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2027 BENEFITS GUIDE TCV, PLEA & CALIFORNIA SCHOOLS

“Servant Leadership is a philosophy and set of practices that enriches the lives of individuals, builds better organizations and ultimately creates a more just and caring world. At Devereux, we strive to incorporate Servant Leadership into our culture and every aspect of our organizational framework; from the delivery of quality services to individuals served, their families, and other stakeholders to the development and empowerment of our employees. At Devereux, we are committed to being the employer of choice, and we know that offering high quality, affordable benefits is a key component. I am honored to partner with you in service of our important mission. Please reach out to People Operations if you have questions or comments on these materials.”

— Carl E. Clark II, Devereux President and CEO

WELCOME!

INSIDE THIS GUIDE Eligibility & Enrollment

Medical Plans At-a-Glance

Prescription Benefits

influence the choices we make

Enhanced Copay Card

every day. Devereux embraces these

New! HelpScript

Surgical Benefit

Telemedicine

Achieve Well-Being Wellness Program

options that work best for your

Vision Benefits

personal situation.

Dental Benefit Enhancement

Additional Dental Benefit Resources

Per-Pay Contributions

Health Savings Acccount (HSA)

benefits. The benefits that you select

Flexible Spending Accounts (FSA)

will be effective until December

Commuter Benefits

31, 2027.

Basic & Voluntary Life and AD&D

Disability Benefits

Additional Voluntary Benefits

Voluntary Vision Insurance

time to carefully review this guide

Free-to-you Insurance Assistance

and learn about all of the benefits

403(b) Retirement Plan

available to you.

ScholarShare 529 College Savings Plan

Free-to-you Financial Assistance

Legal Benefit

ID Theft

Pet Insurance

ASCEND Career Accelerator Program

Wellbeing Resources

Surgery Recovery Program

Benefits MAC & Key Definitions

BenePortal

Value-Added Services

Carrier Contacts

Explanation of Accruals: HML and TOB

Voluntary Benefits Rates

Legal Notices

We all have different needs that

differences, providing you with the freedom to select quality benefit

New hires have 30 days to enroll in

We encourage you to take the

2 | 2027 BENEFITS GUIDE

ELIGIBILITY & ENROLLMENT ELIGIBILITY OVERVIEW

HOW TO ENROLL You will have 30 days from your date of hire to complete your benefits enrollment. If you do not enroll within this timeframe, you will not be able to enroll until the next Open Enrollment period, unless you experience a Qualifying Life Event. Benefit elections can be made online through Oracle Self-Service.

WHO IS ELIGIBLE TO ENROLL IN BENEFITS? All employees regularly scheduled to work 30 or more hours per week are eligible to enroll in benefits. * To be eligible for full-time employer-paid benefits (Basic Life, Long-Term Disability, Health Management Leave, and Time Off), you must work 37.5+ hours/week.

Eligibility for educational staff may differ by location. Please contact People Operations with any questions.

QUALIFYING LIFE EVENTS (QLE) Unless you experience a Qualifying Life Event, you cannot make changes to your benefits until the next Open Enrollment period. QLE’s include: • Marriage (30 days)

In addition, the following family members are eligible for coverage:

• Divorce, legal separation, or ending a domestic partnership (60 days)

• Your legally married spouse/domestic partner

• Birth or adoption of a child (60 days)

• Your dependent child(ren) up to age 26

• Change in child’s dependent status (30 days)

3 WAYS TO ENROLL:

• Death of a spouse, child or other qualified dependent (60 days)

• Open Enrollment • New Hire • Qualifying Life Event (QLE)

QUESTIONS? Reach out to People Operations at your Center or CSB’s Member Advocacy Center.

• Change in employment status or a change in coverage under another employer-sponsored plan (30 days) NOTE: You must notify People Operations when experiencing a Qualifying Live Event within the number of days specified above.

2027 BENEFITS GUIDE

Independence Blue Cross

MEDICAL PLANS AT-A-GLANCE

The following medical plan options are administered by Independence Blue Cross (IBX). Full-time employees (working 30+ hours per week) may enroll in the High Deductible Health Plan (HDHP) or the EPO plan that corresponds with their salary band.

EPO PLAN

HIGH DEDUCTIBLE HEALTH PLAN

CALENDAR YEAR DEDUCTIBLE Employee Employee + Child Family (includes Employee + Spouse/DP & Employee + Children)

$1,065 $1,600 $2,130

$3,920 $5,845 $7,840

OUT-OF-POCKET MAXIMUM Employee Employee + Child Family (includes Employee + Spouse/DP & Employee + Children)

$6,580 $9,870 $13,160

$5,980 $8,975 $11,960

No charge, no deductible

PCP OFFICE VISIT

$20; no deductible

25% after deductible

SPECIALIST OFFICE VISIT

$50; no deductible

25% after deductible

TELEMEDICINE (Teladoc)

No charge; no deductible

No charge, no deductible for telemedicine

DIAGNOSTIC LABORATORY

No charge, no deductible

25% after deductible

DIAGNOSTIC X-RAY/IMAGING (MRI, CT-Scan)

X-Ray: 25% after deductible MRI: 25% after $100 copay; no deductible

25% after deductible

EMERGENCY ROOM (Copay waived if admitted)

$275; no deductible

25% after deductible

URGENT CARE CENTER

$50; no deductible

25% after deductible

INPATIENT HOSPITAL

$250/admission after deductible, then 25%

25% after deductible

OUTPATIENT SURGERY

25% after deductible

BARIATRIC SURGERY

50% after deductible; not counted toward out-of-pocket maximum

SKILLED NURSING FACILITY

25% after deductible, 120 days/year

HOME HEALTH CARE

25% after deductible

OUTPATIENT THERAPIES Physical, Occupational, and Speech Therapy (60 visits/year, combined max) Chiro (15 visits/year)

PLEASE NOTE!

$40; no deductible

25% after deductible

INPATIENT MENTAL HEALTH/SUBSTANCE ABUSE

No charge after deductible

25% after deductible

OUTPATIENT MENTAL HEALTH/SUBTANCE ABUSE

$20; no deductible

25% after deductible

International Benefits while travelling are also available as part of your Independence Blue Cross (IBX) plan. Please see the BenePortal for more information.

Outpatient: 25% after deductible; Inpatient: $250/admission after deductible, then 25%

25% after deductible

No charge after deductible

25% after deductible; no maximum

IN-NETWORK BENEFITS

PREVENTIVE CARE SERVICES PRIMARY CARE PHYSICIAN (PCP) REQUIRED?

MATERNITY CARE DURABLE MEDICAL EQUIPMENT

OUT-OF-NETWORK BENEFITS EMERGENCY ROOM

$275; no deductible

INPATIENT & OUTPATIENT MENTAL HEALTH/SUBSTANCE ABUSE

50% after deductible

N/A – No Out-of-Network Benefits under the HDHP

* The single deductible is embedded in the family deductible, so no one family member can contribute more than the individual deductible amount during the plan year. Once the member meets their single deductible, they will start paying copays and/or coinsurance until they have reached their out-of-pocket maximum.

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PRESCRIPTION BENEFITS If you enroll in one of the IBX medical plans you are automatically enrolled in prescription drug benefits, outlined on page 6.

2027 BENEFITS GUIDE

Independence Blue Cross

PRESCRIPTION BENEFITS If you enroll in one of the Independence Blue Cross medical plans you are automatically enrolled in corresponding prescription coverage, outlined below.

IBX PRESCRIPTION PLAN FOR EPO PLAN INCLUDED WITH EPO PLAN ELECTION

IN-NETWORK ONLY

RETAIL PHARMACY (UP TO 90-DAY SUPPLY)

MAIL ORDER PHARMACY (UP TO 90-DAY SUPPLY)

GENERIC

15% and $5 minimum

PREFERRED BRAND

35% and $10 minimum

50%

NON-PREFERRED BRAND OUT-OF-POCKET MAXIMUM

Prescription drug accumulates to a separate out-of-pocket maximum: $4,830 for employee, $7,245 for employee + child, and $9,660 for family (includes employee + spouse/DP & employee + children)

IBX PRESCRIPTION PLAN FOR THE HIGH DEDUCTIBLE HEALTH PLAN INCLUDED WITH HDHP MEDICAL PLAN ELECTION

IN-NETWORK ONLY

RETAIL PHARMACY (UP TO 90-DAY SUPPLY)

MAIL ORDER PHARMACY (UP TO 30-DAY SUPPLY)

75% after deductible; covered 100% after out-of-pocket maximum is met

GENERIC PREFERRED BRAND NON-PREFERRED BRAND

MANDATORY MAIL ORDER OR CVS PHARMACY 90-DAY FILLS (FOR TIERED MEDICAL PLANS ONLY) All covered medications will be provided through our convenient mail order service, which allows you to order up to a 90-day supply (if enrolled in a tiered medical PPO plan).

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Independence Blue Cross

ENHANCED COPAY CARD HOW DOES THE COPAY ASSISTANCE PROGRAM WORK? Many drug manufacturers offer coupons or copay cards for specialty medications. Through the Copay Assistance Program, you can take full advantage of these savings on eligible prescriptions. The program is supported by a team of Care Team Coordinators—pharmacy professionals who are highly trained in specialty pharmacy coupons and copay cards. Once you enroll, manufacturer copay assistance will be automatically applied at checkout to lower your outof-pocket costs, sometimes to as little as $0. Eligible prescriptions may be processed with a 30% coinsurance, but the manufacturer’s cost-share assistance will be applied to further reduce what you owe. You will never pay more than your normal cost-share.

The Copay Assistance Program may substantially reduce—or even fully cover—your costs for certain high-cost specialty medications.

ENROLLMENT AND SUPPORT If you take an eligible prescription, a Care Team Coordinator will contact you to: • Explain how the Copay Assistance Program works • Estimate your new out-of-pocket costs for filling your prescription • Help you enroll in the drug manufacturer’s copay assistance program • Coordinate with your pharmacy to ensure they have the updated costs on file • Answer any questions you have about the program Care Team Coordinators provide ongoing support and monitor your out-of-pocket costs to make sure you get the maximum assistance available. You are not required to enroll for copay assistance, but you must enroll to receive the savings. If you choose not to enroll when contacted by a Care Team Coordinator, you will be responsible for your normal cost-share.

IMPORTANT NOTE Only the cost-sharing you pay out-of-pocket will count toward your deductible and/or out-of-pocket maximum. The portion paid by the Copay Assistance Program will not count toward either one.

QUESTIONS? If you are eligible for the Copay Assistance Program, a Care Team Coordinator will call to help you enroll. You can also reach them directly at 215-967-2501.

2027 BENEFITS GUIDE

Independence Blue Cross

NEW! HELPSCRIPT

HelpScript is an optional program available to eligible employees which can reduce your specialty medication copay to $0.

HOW DOES HELPSCRIPT WORK? If you use certain high-cost specialty medications covered under your medical benefit, HelpScript can help you make the most of available copay assistance from drug manufacturers. In partnership with Independence Blue Cross, HelpScript identifies eligible medications and supports members through the enrollment process. The program includes a broad list of more than 200 specialty drugs covered under the medical benefit, giving many members an opportunity to reduce their out-of-pocket costs. If you are taking an eligible high-cost specialty medication, HelpScript may contact you directly and invite you to participate. After you opt in, the HelpScript team will guide you through enrollment and help coordinate available copay assistance. For select specialty medications, members may be able to receive their medication with a $0 copay.

HOW TO ENROLL Employees will receive direct communications about HelpScript. Experienced support staff will provideconciergelevel service to answer questions, facilitate enrollment, and highlight the value.

Participation in HelpScript is completely optional. If you are contacted, you can learn more about the program, ask questions, and then decide whether enrollment is right for you.

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Accarent Health & Blue Distinction Programs

SAVE ON YOUR SURGIAL PROCEDURE! ACCARENT HEALTH If you participate in one of Devereux’s medical plans, you can choose to have $0 out-of-pocket for surgical procedures at top-rated hospitals by using Accarent. • With Accarent, you have access to a network of select academic medical centers and top-rated hospitals established in conjunction with Johns Hopkins Hospital. • All initial treatment and any complication or concurrent related illness, outpatient follow-up during the post surgical period, personalized nurse case management, and concierge and travel assistance are covered under the program. NEED TO TRAVEL FOR SURGERY? Devereux will reimburse you and a caregiver for your travel expenses, including a hotel stay, for the day prior to surgery and aftercare based on the Accarent post-operative schedule. GETTING STARTED WITH ACCARENT Contact Accarent at 866.771.0697 for immediate assistance or visit www.accarenthealth.com to see the schedule of services and how it works!

2027 BENEFITS GUIDE

Teladoc

TELEMEDICINE TELADOC TELEMEDICINE Teladoc is a national network of U.S. board-certified doctors available 24/7/365 to diagnose, treat and prescribe medication when necessary for many common medical issues. Teladoc uses digital devices such as computers, smartphones, and video conferencing. Using telemedicine is a convenient option when it’s not possible to visit your doctor’s office for nonemergency medical conditions such as: • Allergies

• Respiratory infections

• Asthma

• Urinary tract infections

• Acne • Pink eye • Ear infections • Sinus issues

• Cold and flu symptoms • Behavioral health

TELADOC DERMATOLOGY Teladoc Dermatology gives you access to boardcertified dermatologists anywhere you are. Whether you have a question about a recent skin change or need help managing a chronic skin condition like acne, rosacea, or psoriasis, Teladoc Dermatology can help.

TELADOC TELEPSYCHIATRY Members have access to high-quality virtual care for a wide variety of behavioral issues, without the obstacles of conventional in-office options. Members can speak with board-certified psychiatrists, psychologists and therapists from wherever they feel most comfortable.

GETTING STARTED Why wait for the care you need? Contact Teladoc and feel better now! • Download the Teladoc App from the App Store or Google Play • Visit www.teladochealth.com • Call 1.800.835.2362

COST FOR A TELADOC VISIT Teladoc will have a $0 copay for all IBX medical plans.

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Independence Blue Cross

ACHIEVE WELL-BEING WELLNESS PROGRAM ACHIEVE WELL-BEING WELLNESS PROGRAM Employees, spouses/domestic partners, and dependents over the age of 18 who are enrolled in of the Independence Blue Cross medical plans may earn up to $300 on a reloadable gift card by completing the required activities: • Primary Care Visit: $100 • Age-appropriate health screening: $100 • Completion of Personal Health Profile: $50

TO VIEW YOUR REWARDS PROGRAM AND GET STARTED: 1. Log in at ibx.com and go to your Dashboard. Select Rewards & incentives from the menu on the left. 2. Then click Achieve Well-Being Rewards. 3. Click View Required Activities

• Teladoc Visit: $25 • Immunization: $25

This program is effective 1/1/2027 through 12/31/2027

Once a required activity is completed, the associated reward amount will be added to the reloadable gift card and can be used at select retailers.

2027 BENEFITS GUIDE

Independence Blue Cross

VISION BENEFITS You must be enrolled in one of the medical plans to receive this benefit. PLEASE NOTE: Annual eye exam must be at least one calendar year after your last visit.

IBX VISION PLAN INCLUDED WITH MEDICAL ELECTION

IN-NETWORK ONLY

IN-NETWORK*

OUT-OF-NETWORK REIMBURSEMENT

ANNUAL PLAN MAXIMUM

Unlimited

DEDUCTIBLE (Individual/Family)

$0 / $0

OUT-OF-POCKET MAXIMUM (Individual/Family)

$0 / $0

ROUTINE VISION EXAM AT DAVIS VISION PARTICIPATING PROVIDER

No charge

$40 reimbursement

No charge $25 Up to $130 allowance; 20% discount on overage Up to $180 allowance; 20% discount on overage

N/A N/A $50 reimbursement N/A

FRAMES Davis Vision Collection Fashion or Designer Frames Davis Vision Collection Premier Frames Non-Davis Vision Collection Frames Visionworks Frames Option LENSES Single Vision Bifocal Trifocal Lenticular CONTACT LENSES & EVALUATION (in lieu of eyeglasses) Davis Vision Collection – Standard, Specialty, or Disposable Contact Lenses Evaluation at a Davis Vision Participating Provider Non-Davis Vision Collection Contact Lenses Non-Davis Vision Evaluation CONTACT LENSES (medically necessary)

No charge

No charge No charge Up to $130 allowance; 15% discount on overage Up to $60 allowance; 15% discount on overage No charge

$40 reimbursement $60 reimbursement $80 reimbursement $100 reimbursement

$105 reimbursement

$225 reimbursement

* Participating Davis provider benefit

ADDITIONAL VISION DISCOUNTS The following discounts are also available to you under the IBX vision plan.

Replacement Contact Lenses: Through Lens 123, a free mail order program, member may receive replacement contact lenses offered at guaranteed, discounted prices.

Additional Eyewear Discount: Members selecting non-covered materials (i.e., second pair of eyeglasses, sunglasses, etc.) will receive up to a 20% courtesy discount and up to a 10% discount on disposable contacts at most participating providers

Discount on Laser Vision Correction Services at Davis Vision Participating Providers: Up to 25% off the participating provider’s usual and customary fees or 5% off any participating provider’s advertised specials, whichever is less.

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Cigna

Benefit-eligible employees may enroll in one of the three Cigna dental plans below — a choice of two DPPOs or the DHMO – which include 100% coverage for preventive services such as routine dental exams, cleanings and X-rays.

DENTAL BENEFITS

PPO PLAN A IN-NETWORK ONLY

ADVANTAGE PROVIDERS

CALENDAR YEAR DEDUCTIBLE (Individual/Family)

PPO PLAN B

PREMIER PROVIDERS & OUT-OF-NETWORK

ADVANTAGE PROVIDERS

$50 / $150

PREMIER PROVIDERS & OUT-OF-NETWORK

$75 / $225

No deductible

$2,000

PREVENTIVE & DIAGNOSTIC SERVICES Exams, Cleanings, Bitewing X-rays (each twice in a calendar year) Fluoride Treatment (once in a calendar year, children to age 19)

100% covered; no deductible

100% covered

Plan pays 70%* 100% covered; no deductible

Plan pays 50%* 100% covered; no deductible

Plan pays 90%

MAJOR SERVICES Crowns, Gold Restorations, Bridgework, Full and Partial Dentures

Plan pays 60%*

Plan pays 50%*

Plan pays 60%

ORTHODONTIA BENEFITS (CHILDREN TO AGE 19)

Separate Deductible: $50; Plan pays 50%*

Plan pays 50%

ORTHODONTIA BENEFITS (ADULTS)

Separate Deductible: $50; Plan pays 50%*

Plan pays 50%

Plan pays 60%*

N/A

IMPLANTS ORTHODONTIA LIFETIME MAXIMUM (per patient)

$1,500

$2,000

IN-NETWORK ONLY

CALENDAR YEAR MAXIMUM (Per patient)

BASIC SERVICES Fillings, Extractions, Endodontics (root canal), Periodontics, Oral Surgery, Sealants

$1,000

DHMO

$1,000

$750

No yearly maximum

24 months of comprehensive orthodontic treatment plus 24 months of retention

* After deductible

DPPO VS. DHMO PLANS The DPPO plans offer the convenience and flexibility of visiting any licensed dentist, anywhere. Covered services are paid based on a percentage — if, for example, fillings are covered at 80%, you pay the remaining 20%. Under the DHMO plan, members have their choice of skilled primary care dentists from the Cigna network. Select a primary care dentist who will then coordinate any needed referrals to a specialist. There are no maximums or deductibles.

To search for participating dental providers near you, visit www.mycigna.com and enter your address, city, or ZIP code. Dental ID cards are also available at www.mycigna.com.

2027 BENEFITS GUIDE

Special Health Needs Program

DENTAL BENEFIT ENHANCEMENT The SHCN Dental Program supports employees and dependents with physical, developmental, mental, sensory, behavioral, cognitive, or emotional conditions requiring specialized dental care. The program improves access, outcomes, and satisfaction through tailored benefits.

ELIGIBILITY Employees and dependents with special healthcare needs, as defined by the American Academy of Pediatric Dentistry (AAPD), may enroll.

HOW TO ENROLL Request and complete a Special Healthcare Needs Enrollment Form from HR or Cigna Healthcare Dental. Once enrolled, you’ll receive a welcome letter and can begin using enhanced benefits.

REIMBURSED PROCEDURES Registered participants are eligible for reimbursement for: • One additional cleaning per benefit year (D1110, D1120, D4346, D4910) • One additional exam per benefit year (D0120, D0145, D0150, D0180) • One additional fluoride treatment per benefit year, any age (D1206, D1208) • General anesthesia or IV sedation with a covered service (D9222, D9223, D9239, D9243) • Dental case management up to four times per year (D9997) Usual deductibles, copayments, or coinsurance apply. Reimbursements are mailed directly after claims are processed for in-network visits.

For questions or more information, contact Cigna Healthcare Dental at 800.88Cigna (800.882.4462).

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Virtual Care & SmartScan

ADDITIONAL DENTAL BENEFIT RESOURCES CIGNA HEALTHCARE DENTAL VIRTUAL CARE

SMARTSCAN AT-HOME DENTAL SCREENING

Cigna Healthcare Dental Virtual Care provides access to licensed dental professionals from home, 24 hours a day, seven days a week, all year round. If you have an urgent dental issue—such as a toothache, chipped tooth, or oral infection—and cannot reach your regular provider, you can consult with a dentist through a secure video call by logging into your myCigna.com account.

SmartScan is an easy, at-home oral health screening tool available to Cigna Healthcare members. Using your smartphone, you can take guided photos of your teeth and gums and receive a professional assessment from a Cigna Healthcare dentist within minutes. This service is designed for those who may avoid dental visits due to cost, inconvenience, or anxiety.

HOW IT WORKS

WHAT SMARTSCAN IS NOT

During your virtual visit, the dentist will assess your condition, offer guidance, prescribe medication if needed, and refer you to a local Cigna Healthcare dentist for inperson care when appropriate. Records from your virtual consultation are shared with your local provider to ensure continuity of care.

SmartScan does not replace a full dental exam or x-rays performed in a dental office, which remain essential for comprehensive oral health care.

COST AND COVERAGE Virtual consults are processed as in-network claims under your dental plan, with no copay or coinsurance required. These visits count toward your plan’s frequency limits and annual maximums.

ELIGIBILITY All enrolled employees and dependents may use this service. Dependents under age 18 must be accompanied by a parent or guardian during the consultation.

CONTACT INFORMATION For more information or assistance, please visit myCigna. com or call 1-800-Cigna24. You can also call the number on the back of your ID card.

BENEFITS SmartScan screenings are provided at no additional cost and take about five minutes to complete. After your photos are submitted, they are analyzed using artificial intelligence and reviewed by network dentists. You will receive a report indicating your oral health status—green, yellow, or red— along with tips for improvement. If your results indicate a concern, you can schedule a virtual dental appointment or be referred to an in-network provider.

HOW TO GET STARTED To use SmartScan, log in or register on myCigna.com, select “Talk to a Doctor,” choose “Dental” virtual care, and then select “Connect” to access SmartScan.

CONTACT INFORMATION For more information, visit myCigna.com.

2027 BENEFITS GUIDE

2027 Medical & Dental

PER-PAY CONTRIBUTIONS TIERED MEDICAL PROGRAM PER-PAY CONTRIBUTIONS ALL TIERED MEDICAL PLANS

HIGH DEDUCTIBLE HEALTH PLAN

SINGLE

$75.98

$44.92

EMPLOYEE + 1 CHILD

$190.56

$128.41

EMPLOYEE + SPOUSE

$238.69

$169.13

FAMILY

$340.63

$241.44

DENTAL HMO PER-PAY CONTRIBUTIONS

DENTAL PPO PER-PAY CONTRIBUTIONS

DHMO

PLAN A

PLAN B

SINGLE

$6.46

SINGLE

$12.92

$11.08

2-PERSON (EMPLOYEE/CHILD)

$11.54

2-PERSON / FAMILY

$25.38

$21.23

2-PERSON (EMPLOYEE CHILD/DEPENDENT)

$11.54

FAMILY / 2 EMPLOYED

$15.23

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Optum Bank

HEALTH SAVINGS ACCCOUNT (HSA) If you elect the HDHP medical plan, you may be eligible to make pre-tax payroll contributions toward a Health Savings Account (HSA), administered by Optum Bank.

HSA ELIGIBILITY

A Health Savings Account (HSA) allows you to save money for qualified healthcare expenses that you’re expecting, such as contact lenses or prescriptions, as well as the unexpected ones.

In order to qualify for an HSA, you must be an adult who meets the following qualifications:

HSA ADVANTAGES

• You have coverage under an HSA-qualified, high deductible health plan (HDHP)

• The money you deposit and withdraw is tax-free. Unused funds roll over year after year. • An HSA is portable; if you leave Devereux or retire, you can take your HSA funds with you. • Once you meet the required account balance minimum, typically $2,000, you will have the option to begin investing in mutual funds at a minimum of $100 per transaction. Visit the HSA tab on the BenePortal to learn more about HSA investing opportunities.

CONTRIBUTION LIMITS* HSA contribution limits are set by the Internal Revenue Service (IRS) and adjusted annually. The limits for 2027 are:

• You (or your spouse, if applicable) have no other health coverage (excluding other types of insurance, such as dental, vision, disability or long-term care coverage) • Are not enrolled in Medicare • You cannot be claimed as a dependent on someone else’s tax return

QUALIFIED MEDICAL EXPENSES You can use the funds in your HSA to pay for qualified healthcare expenses, such as: • Doctor visits • Dental care, including extractions and braces

• $4,500 for individual coverage

• Vision care, including contact lenses, prescription sunglasses and LASIK surgery

• $9,000 for family coverage

• Prescription medications

• $1,000 catch-up contribution for those age 55+

• Chiropractic services and acupuncture For a list of qualified medical expenses under the HSA, please visit the HSA tab on the BenePortal.

* When deciding how much to contribute to your HSA, make sure to factor in any employer contribution amounts. The IRS annual maximum is the total combined employer and employee funding (i.e., employees cannot elect a deduction at the maximum if they are receiving company funds).

2027 BENEFITS GUIDE

Employee Benefits Corporation

FLEXIBLE SPENDING ACCOUNTS (FSA) Flexible Spending Accounts, or FSAs, provide you with an important tax advantage that can help you pay health care and dependent care expenses on a pre-tax basis. By anticipating your family’s health care and dependent care costs for the next plan year, you can lower your taxable income.

MEDICAL CARE FSA The Medical Care FSA allows you to set aside pretax dollars via payroll deductions to pay for qualified healthcare expenses for you and your dependents. For 2027, the annual maximum amount you may contribute is projected to be $3,500 per calendar year. The Medical Care FSA can be used for: • Doctor office copays • Non-cosmetic dental procedures (crowns, dentures, orthodontics) • Prescription contact lenses, glasses, & sunglasses • LASIK eye surgery • Menstrual care products • Certain OTC medications • Sunscreen with at least SPF 15 • And more! Visit the FSA tab on the BenePortal for a list of qualified heallthcare expenses.

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DEPENDENT CARE FSA (DCFSA) The Dependent Care FSA lets you use pre-tax dollars toward qualified dependent care expenses for children up to the age of 13 or individuals 13 or older if they are unable to care for themselves and reside with you at least 8 hours per day. The annual maximum amount you may contribute for 2027 is $7,500 (or $3,750 if married and filing separately) per calendar year. The DCFSA can be used for: • Au Pair or nanny • Before- and after-school programs, day camps, preschool • Baby-sitting/dependent care to allow you to work • Adult/eldercare for adult dependents

USE IT OR LOSE IT! Devereux allows you to carry over up to $700 (projected amount) of unused Medical Care FSA funds into the following plan year. Amounts over $700 will be forfeited. NOTE: Dependent Care FSA funds do not roll over. Money not used by the end of the plan year (December 31, 2027) will be forfeited.

PLEASE NOTE: If you enroll in the HDHP with HSA, the IRS does not allow you to participate in a Medical Care FSA.

CommuteEase

COMMUTER BENEFITS Commuter Benefits allow you to pay for eligible work-related mass transit and parking expenses through pre-tax payroll deductions from your paycheck. You are able to make changes to your pre-tax election amount on a month to month basis. Contributions to your CommuteEase plan are done directly through the Employee Benefits Corporation’s member portal — paid by the 13th of each month for the upcoming month. Contributions will be available on the EBC Benefits Card. EBC provides Devereux the election amount and that amount is deducted from the employees check the last pay of each month.

CONTRIBUTION LIMITS For the 2027 plan year, Devereux projects you may contribute up to $350 per month for transit and $350 per month for parking: • TRANSIT: Up to $350 per month for transportation — mass transit (such as train, bus, subway, etc.) and commuter highway vehicle (such as vanpool or certain ridesharing services like UberPool or LyftLine) • PARKING: Up to $350 per month for parking expenses incurred at or near your work location or near a location from which you commute using mass transit At the end of the plan year, any balances in either account will remain in your account and be available for your use in the next plan year, unless your employment with Devereux is terminated.

2027 BENEFITS GUIDE

New York Life (NYL)

BASIC & VOLUNTARY LIFE AND AD&D Life and Accidental Death and Dismemberment (AD&D) insurance provides protection to those who depend on you financially, in the event of your death or an accident that results in death or serious injury.

BASIC LIFE INSURANCE

SUPPLEMENTAL AD&D

Devereux provides full-time employees with 2x their annual base salary, not to exceed $200,000 in group life insurance. Devereux pays for the full cost of this benefit.

Employees who work 30+ hours per week have the option to elect Supplemental AD&D. AD&D insurance is an inexpensive way to provide additional life insurance benefits if the cause of death is accidental. It also pays a benefit if there is a loss of a limb, vision or hearing due to an accident. Supplemental AD&D is available in $10,000 increments up to $500,000 (not to exceed 10x salary).

SUPPLEMENTAL LIFE INSURANCE Employees who work 30+ hours per week have the option to elect Supplemental Life insurance, outlined below: • Employee Supplemental Life: New hires may elect up to $200,000 guaranteed issue in increments of $10,000.

EMPLOYEE ONLY OR FAMILY PLAN COVERAGE Family plan provides 100% employee, 50% spouse and 15% Child of amount elected.

• Spouse/Partner Supplemental Life: New hires may elect up to $50,000 guaranteed issue for spouse/ domestic partner supplemental life in increments of $5,000. • Child Supplemental Life: Age 14 days to 26 years: $10,000 benefit Note: Spouse/domestic partner and/or child(ren) coverage does not require the employee to purchase employee supplemental life coverage.

NOTE—Benefit Reduction: Coverage amounts for Basic Life, Supplemental Life, and Supplemental AD&D for employees that attain age 70 or older are reduced by 50%, rounded to the next higher $10,000 (if not already a multiple thereof).

For Supplemental Life/AD&D rates, please see page 41 of this guide.

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New York Life (NYL)

DISABILITY BENEFITS When an unexpected illness or injury occurs your focus should be on your health, not your budget. In the event that you become disabled from a non-work-related injury or sickness, disability income benefits will provide a partial replacement of lost income.

SUPPLEMENTAL SHORT-TERM DISABILITY

EMPLOYER-PAID LONG-TERM DISABILITY

If you had a disabling injury or illness, how much of your income would be at risk? Supplemental Short-Term Disability (STD) insurance, available to employees scheduled to work 30+ hours per week, can provide an additional monthly benefit to cover your risk of lost income if you are out of work for a short period of time due to an off the job injury or illness, including maternity.

Long-Term Disability (LTD) insurance protects workers in the event they become disabled for a prolonged period prior to retirement. Devereux provides all full-time employees with a minimum of 60% income replacement if out of work due to a disabling condition for 90 days or longer.

The premium is 100% employee paid with post-tax dollars but, under current tax laws, benefits are tax free. STD BENEFIT DETAILS

This important paycheck protection benefit pays benefits directly to you and may be continued to Normal Social Security Retirement Age if you continue to meet the definition of disability. This benefit is offered at no cost to you.

• Coverage is 60% of your salary, up to a maximum of $1,500 per week. • There is a 14-day or 28-day elimination period for sickness or accident. • An elimination period is the number of days you have to wait until the benefit kicks in. • Employees who select this insurance may use their Health Management Leave (HML), Time-off Benefit (TOB), or not be paid to satisfy the elimination period until Short-term Disability coverage begins.

For Supplemental Short-Term Disability rates, please see page 42 of this guide.

2027 BENEFITS GUIDE

New York Life (NYL)

ADDITIONAL VOLUNTARY BENEFITS HOSPITAL INDEMNITY INSURANCE

ACCIDENT INSURANCE

A hospital stay can happen at any time, and it can be costly. Hospital Indemnity insurance helps you and your loved ones have additional financial protection. With voluntary hospital indemnity insurance, available to employees scheduled to work 30+ hours per week, a fixed benefit is paid directly to the covered person, unless otherwise assigned, after a covered hospitalization resulting from a covered injury or illness.

Accidents happen and they can affect more than just your physical health. With voluntary accident insurance, available to employees scheduled to work 30+ hours per week, you get a benefit to help pay for costs associated with a covered accident or injury. You may utilize the payments as you best see fit.

It can be used for expenses, such as: • Copays, deductibles and coinsurance • Unexpected costs

Accident Insurance covers: • Initial, emergency and follow-up care • Hospitalization • Fractures & Dislocation

• Child care

Covered injuries may include:

• Follow-up services

• Broken bones

• Torn ligaments

• Help for the home

• Concussions

• Ruptured discs

• And much more!

• Burns

• And more!

HOSPITAL INDEMNITY INSURANCE DETAILS

ACCIDENT INSURANCE DETAILS

• No restrictions on how the money can be used.

• Guaranteed Issue (no medical underwriting)

• Coverage continues after the first covered hospitalization – helping provide additional protection for future hospital stays.

• A physician must diagnose covered losses and treatment must be received in the United States or its territories.

• Benefits are separate from medical plan, do not coordinate, and are paid directly to you.

• $50 per year Wellness, Health Screening and/or Preventative Care Benefit Credit per covered person per calendar year. (Must submit wellness claim within 90 days of the date of service.)

• Guaranteed Issue (no medical underwriting)

For more information about the voluntary Hospital Indemnity and Accident Insurance plans, including plan rates, please see pages 42 and 43 of this guide.

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New York Life (NYL)

ADDITIONAL VOLUNTARY BENEFITS CRITICAL ILLNESS INSURANCE We know that everyone has different needs when coping with a critical illness. With Critical Illness insurance, available to employees scheduled to work 30+ hours per week, you get a benefit paid directly to the covered person, unless otherwise assigned, if they are diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. This plan can help ease some of your financial worries so you can stay focused on your health. You choose how to spend or save your benefit. It can be used for expenses, such as: • Paying for child care or help around the house • Travel costs to see a specialist

BALANCE WELLBEING PORTAL Introducing the Balance Wellbeing Portal, vetted and supported by New York Life, this portal provides financial guidance, including help managing finances, planning for and achieving life goals (emergency savings fund, home purchase, etc.). It provides resources to help navigate financial challenges, planned and unplanned life events and offers solutions using either the tools on the site or with professional guidance. Additional services include managing income and finances with an ill or disabled partner or dependent, and access to debt counseling services through the nonprofit Cambridge Counseling Corporation.

• Medical treatment and doctor visits • Copays and deductibles • Prescription drug costs

Please visit balancewellbeing.com for more information on this benefit.

For Voluntary Critical Illness rates, please see 43 of this guide.

2027 BENEFITS GUIDE

Eyemed (through Cigna)

VOLUNTARY VISION INSURANCE We are excited to offer a voluntary vision benefit through Cigna Vision, serviced by EyeMed. This plan includes covera ge for routine eye exams, prescription eyewear, and discounts on additional vision products. For a full schedule of benefits, please refer to the BenePortal. For more details, visit myCigna.com or call 888-353-2653.

EYEMED VISION SCHEDULE OF BENEFITS IN-NETWORK PLAN COVERAGE

IN-NETWORK MEMBER COST

OUT-OF-NETWORK REIMBURSEMENT

100% after Copay Not Covered $0 $0

$10 Copay Up to $39 Up to $401 90% of Retail1

Up to $45 Allowance Not Covered Not Covered Not Covered

STANDARD EYEGLASS LENSES* (once per 12 months) Single Vision Lined Bifocal Lined Trifocal

100% after Copay 100% after Copay 100% after Copay

$20 Copay $20 Copay $20 Copay

Up to $32 Allowance Up to $55 Allowance Up to $65 Allowance

LENS ENHANCEMENTS / OPTIONS Polycarbonate Lenses Standard Progressives+ Photochromic - Glass or Plastic Standard Scratch Coating Standard Ultraviolet (UV) Coating

$0 $0 $0 $0 $0 $0

$40 $65 20% off retail Less $120 allowance $75 $15 $15

CONTACT LENSES RETAIL ALLOWANCE* (one pair or single purchase per 12 month) Elective - Conventional Elective - Disposable Therapeutic

100% up to $130 Retail Allowance, Additional 15% off balance over allowance 100% up to $130 Retail Allowance 100%

Balance over $130 Allowance Balance over $130 Allowance $0

Up to $105 Allowance Up to $105 Allowance Up to $210 Allowance

FRAME ALLOWANCE (Once per 24 months) Retail Costco

100% up to $130 Allowance 100% up to $80 Allowance

20% off balance over Allowance Balance over Allowance

Up to $71 Allowance Up to $71 Allowance

VISION SERVICES EXAM AND PROFESSIONAL SERVICES* (once per 12 months) Eye Exam Retinal Screening Standard Contact Lens Fit & Follow-up Premium Contact Lens Fit & Follow-up

Not Covered

*Your Frequency Period begins on January 1 (Calendar year basis) 1May be applied to Contact Lens Allowance 2Member out-of-pocket includes Lined Bifocal copay. Out-of-network reimbursement based on Lined Bifocal allowance.

To utilize your benefit ,use the provider locator on myCigna.com, Schedule an appointment by identifying yourself as a Cigna Vision customer, and provide your Cigna Vision ID card or your name and date of birth. 24 | 2027 BENEFITS GUIDE

Free-to-you

INSURANCE ASSISTANCE

The following benefits are available to all employees — 100% paid for by Devereux!

INSURANCE SUPPORT • Support through New York Life at www.guidanceresources.com offers trained advocates to help you navigate healthcare even if not on a Devereux benefit plan. • Services include claim and billing issues, appeal processes and simplifying complicated administrative services and address questions and concerns. • When accessing services, use ID: NYLGBS

SECURE TRAVEL • Secure Travel through New York Life at www.guidanceresources.com offers pre-trip planning and 24/7/365 support when traveling more than 100 miles away on vacation. • Services include help with medical evacuations, repatriation and lost fees due to travel changes or emergencies. • When accessing services, use ID: NYLGBS

SENIOR ADVISORS Medicare Specialists providing education, choices and recommendations on Medicare coverage, including Plan A, Plan B, Medicare Advantage Plans (Plan C), Plan D (Medicare Rx Plan) and Medicare Supplement Plans (Medigap). Our specialists can be reached by calling 908-272-1970 or at www.senior-advisors.com.

2027 BENEFITS GUIDE

TIAA

403(B) PLAN The 403(b) Defined Contribution Retirement Plan is one of the most important ways you can help secure your financial future. Participating in the 403(b) is not just about the future, but also about taking advantage of real benefits today that may transform the choices and opportunities you have tomorrow.

CONTRIBUTION LIMITS • The annual IRS contribution limit for 2027 is projected to be $25,000 • Employees age 50 or over can possibly make a catch-up contribution of up to an additional $8,500 beyond the basic limit — Due to Secure Act 2.0, in 2027 employees aged 60 through 63 may make a catch-up contribution of up to the greater of $11,750 or 150% of the normal Catch-up contribution. • Employees age 50 or over that have 15 or more years of service may contact TIAA about additional catch-up contributions. For specifics on 403(b) contribution limits, please refer to www.irs.gov or contact a TIAA or Janney Montgomery Scott financial advisor.

DEVEREUX’S MATCHING CONTRIBUTION • Amount varies by center • Contribution is made once per year in January

HAVE QUESTIONS? CONTACT A TIAA FINANCIAL ADVISOR! Visit www.tiaa.org/devereux for more information or contact a TIAA advisor: • Advisors are available Monday - Friday, 8 a.m. — 10 p.m. (ET) at 800.842.2252 You may also contact an advisor at Janney Montgomery Scott: • Devereux’s Plan Advisors at Janney Montgomery Scott are Quinn Karpiak, Scott Karpiak and Greg Dupee • You can call 800-567-2687 Toll Free, call direct by dialing 215-665-6010, or email QKarpiak@janney.com.

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ScholarShare 529

COLLEGE SAVINGS PLAN

The following benefits are available to all employees — 100% paid for by Devereux!

START SAVING MORE FOR YOUR CHILD’S EDUCATION! Devereux partners with ScholarShare 529, a nationallyrecognized college savings plan managed by TIAACREF Tuition Financing, Inc. ScholarShare 529 is an industry leader with a 20-year track record of helping families like yours save to cover future college costs. Families appreciate the plan’s special features including tax benefits, low fees, and flexibility. ONLINE TOOLS AND RESOURCES Visit www.scholarshare529.com for helpful resources including: • Live and interactive educational webinars, hosted monthly • Consultation scheduling with a 529 specialist • Rollover an existing 529 into your ScholarShare 529 account. Schedule an appointment to have a consultant assist you PLAN FEATURES INCLUDE: • Select your beneficiary • Choose your investment portfolio • Decide how much to save • Fund your account — Periodic contributions — Recurring contributions — Workplace savings

GET STARTED TODAY! To enroll or learn more, call 800-544-5248, visit www.scholarshare529.com, or download the ReadySave529 app from the App Store or Google Play.

2027 BENEFITS GUIDE

Free-to-you

FINANCIAL ASSISTANCE TIAA FINANCIAL COUNSELING • Visit www.tiaa.org/devereux for individual consultations, advice and counseling including ondemand webinars, calculator and tools. • Help is also available by calling 800-842-2252. Advisors can also help with decisions regarding Devereux’s 403(b) Retirement Plan.

FINANCIAL, LEGAL & ESTATE GUIDANCE • Financial, Legal and Estate Guidance through NY Life at www.guidanceresources.com offers professional services that include unlimited financial support on issues like debt management, family budgeting, estate planning, law and tax consultations and much more.

The following benefits are available to all employees — 100% paid for by Devereux!

JANNEY MONTGOMERY SCOTT ADVISORS • Janney Montgomery Scott, Devereux’s Retirement Plan advisors are available to help with retirement and financial questions by calling 800-567-2687 or emailing QKarpiak@janney.com.

GUIDANCE RESOURCES • Family Source and Guidance Resources through NY Life at www.guidanceresources.com are specialists that provide customized research, educational materials and prescreened referrals for childcare, adoption, eldercare, education and pet care.

• Services include help with medical evacuations, repatriation and lost fees due to travel changes or emergencies.

• They can also assist with questions on home and auto insurance and general questions through “Ask the Expert”, which provides personal responses to your questions.

• When accessing services, use ID: NYLGBS

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LegalShield

LEGAL BENEFIT PROTECT YOURSELF AND FAMILY WITH LEGALSHIELD The legal plan, administered by LegalShield, gives you direct access to a dedicated provider law firm for unlimited phone consultation on most personal legal issues including, but not limited to: • Estate planning: standard wills, living wills, trusts, health and financial powers of attorney, advance directives, probate

In addition to unlimited phone consultation, your provider law firm will create a will, power of attorney, and living will on your behalf and provide legal representation for traffic violations, uncontested divorce, consumer protection, civil litigation, and tax audits. Representation on most other personal legal matters receives a 25% discount off the provider law firm’s standard hourly rate. For $18.95 a month, LegalShield provides affordable protection for you, your spouse, and your children.

• Real estate: sale or home purchase, mortgages, deeds, construction, foreclosures • Renter: contract reviews, disputes with the landlord • Family law: name change, divorce, separation, adoption (all uncontested) • Consumer protection: billing disputes, tax audits, loan modifications, credit reports/repairs, etc. • Traffic: Moving violations, speeding tickets, tragic accidents, property damage collection, and license restoration • Tax audit: Receive consultation if audited by local, state, or federal government on your personal tax returns • Letters and phone calls on your behalf: A phone call or letter on law firm letterhead can help quickly resolve disputes before they escalate. For example, faulty mechanic repair • Contract and document review: Your provider law firm can review personal documents, for example, a home rental lease (up to 15 pages) • 24/7 emergency access: Live access to a provider lawyer for covered emergency services

2027 BENEFITS GUIDE

LegalShield

ID THEFT Is your identity protected? Every few seconds, someone has their identity stolen. Identity theft is a growing crime, and our identity theft protection benefit helps protect your identity.

IDSHIELD Plan benefits include: • Identity Fraud Protection Plan of up to $3 million • Financial account protection • Identity and credit monitoring & threat alerts • Child monitoring (Family Plan only) • Full-service identity restoration by licensed private investigators • Monthly credit score tracker • Mobile app • 24/7 emergency identity theft support IDShield provides two options: 1. The Individual Plan is $8.95 a month. 2. Family Plan for $18.95 a month. This plan provides data monitoring for dependent children under the age of 18, plus consultation and full-service restoration to dependent, unmarried children 18-26. If you enroll in both benefits, a reduced monthly rate is applied.

30 | 2027 BENEFITS GUIDE

Wishbone Pet Insurance

PET INSURANCE Devereux is pleased to offer two plan options from Wishbone Pet Insurance: the Wishbone Pet Plan and Wishbone Pet Insurance.

PLAN 1: WISHBONE PET PLAN • Everyday savings on veterinary care, pet products and access to other benefits from PetPlus, Pet Assure, AskVet and The Pet Tag.

PLAN 2: WISHBONE PET INSURANCE Monthly, direct pay to Wishbone Insurance. Premium varies per policy because rates are based on the pet’s breed, age and zip code. Get an individual quote at www.wishbone.pet. • $250 Annual Deductible, 90% coverage and $25,000 annual limit.

• No exclusions based on breed, age or pre-existing conditions. Coverage for all pets from cats and dogs to exotic animals and farm animals.

• Provides 90% reimbursement on accidents and illness, including office visits and prescription medications. You can choose to add on routine care coverage. Everything your pet needs for one low price. Save 65% on retail rates.

• Member only pricing (up to 40% discount) on brand name prescriptions, food, treats and toys.

• Accident and Illness Coverage – includes office visits, exam fees and take-home Rx.

• Free shipping on all orders from petcarerx.com and same day-pickup on human grade prescriptions at over 50,000 Caremark pharmacies.

• Easy claim submission (processed in 5 days) at www.wishboneinsurance.com/devereux.

• Instant 25% discount on in-house medical services at participating veterinarians which means no claim forms and not waiting for reimbursement.

HAVE QUESTIONS?

• Coverage on hereditary & congenital conditions, but pre-existing conditions do apply. • No waiting period for injuries and illnesses and 6 months for cruciate ligament events. Waiting period starts on the policy effective date. • Choice of two add-on plans for routine veterinary care (full details at www.wishbone.pet). Services include spay/neuter, rabies vaccine, flea/ tick/heartworm prevention, vaccination, wellness exam, heartworm test, blood fecal, parasite exam, microchip, urinalysis and deworming.

Contact Wishbone Pet Insurance at 800-887-5708 or visit www.wishbone.pet.

For Pet Insurance rates, please see 43 of this guide.

2027 BENEFITS GUIDE

ASCEND Career Accelerator Program

CAREER DEVELOPMENT The Devereux ASCEND Career Accelerator program offers the following Financial Education Resources.

MULTI-TRACK CAREER ADVANCEMENT Broad variety of enriching career tracks designed to expand and accelerate advanced opportunities in each role, at every level, including, but not limited to: • Clinical Track: Clinician, RBT/BCBA

PERSONALIZED CAREER COACHING Team of dedicated career coaches to help each person build a personalized career plan that best matches their skills, interests and opportunities at each stage of their career. • Professional development guided by individualized goals • Ongoing support to navigate through broad array of learning programs and education resource options

• Operational Management Track: Supervisor, Manager, Director

• Ongoing guidance to continually match Devereux opportunities to individual skills and interests

• Medical Track: Nurse, Nurse Practitioner

• Regular check-ins to gauge progress

• Education Track: Teacher Assistant, Teacher, Principal

MENTORING AND DEVELOPMENT

• Direct Care Track: DCP/DSP, Leads • Administration Track: Administrative and Support Roles FINANCIAL EDUCATION RESOURCES

We will create development options with the focus on individual needs and equity in the organization. Learning opportunities will be created in partnership with our own subject matter experts to help each team member reach their full potential, including: Mentorship, Individualized Learning and more!

Tuition assistance for full-time and part-time team members including tuition, fees and textbooks. Student loan repayment toward Federal and/or private student loan payments.

HAVE QUESTIONS? Contact DevereuxASCEND@Devereux.org.

This program is available to all Devereux employees

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AllOne Health & Devereux

WELLBEING RESOURCES ALLONE HEALTH EMPLOYEE ASSISTANCE PROGRAM (EAP) • AllOne Health can help with managing family and personal concerns including childcare, parenting, elder care, money management, education planning, time management, legal resources, relocation and more. • Help is confidential and available 24/7/365 by calling 800-451-1834, visiting allonehealth.com/portal or downloading the AllOne Health EAP app. • Five free, per topic, in-person or virtual counseling services. These can assist you and family members living in your household with emotional concerns such as grief, stress, relationship difficulties, depression, anxiety, substance abuse or other behavioral health challenges. • Discounted shopping and other helpful resources • When accessing services, use code ADC53.

RESILIENCY Learn how to grow, thrive and flourish by taking care of yourself first, so you can take care of others. Fill your pitcher and build your bounce with videos, webinars, mindfulness activities and other resources hosted by Devereux’s DCRC team. Visit devereux.sharepoint.com/pages/devereuxstrong.aspx to enhance your well-being and become DevereuxStrong.

2027 BENEFITS GUIDE

Lilly Direct & Utopia WellCare

WELLBEING RESOURCES LILLYDIRECT – OBESITY CARE

UTOPIA WELLCARE

LillyDirect offers independent obesity care options with access to FDA-approved obesity medications, if clinically appropriate. Find local in-person obesity care using Lilly’s independent physician search tool.

What Utopia WellCare is all about – Utopia WellCare’s goal is to help you develop a better overall relationship with your health via comprehensive Functional Nutrition services provided by Board Certified Registered Dietitians.

For those looking for more focused support, a telehealth program through Form Health is available and covered by most insurance plans*. Form provides personalized weight loss guidance based on nutrition, physical activity, and mindset by providers who specialize in obesity medicine. Prescription savings programs are also available to help those who qualify obtain the Lilly medications, like Zepbound, at a lower cost. Visit lillydirect.com/obesity for more information. *Member is responsible for any copay or deductible, similar to an office visit.

How it works – Utopia WellCare provides one on one virtual consultations with dietitians at no cost to you. Consultations are covered under preventive care through your insurance carrier and offers 6 FREE visits. Capturing your complete patient history and health status to leverage diet and nutrition counseling to assist with your overall health and wellbeing. Not only can you take advantage of Utopia WellCare but your dependents can also schedule a visit with one of their Board Certified Registered Dietitians. Treated Conditions: • Mood Regulation • Stress and Anxiety • Body Composition • Cardiovascular Issues • Endocrine Imbalance • Kidney Imbalances & Cancer • Autoimmunity • Allergies and Environmental exposures • Gastro-Intestinal Disorders • And More!

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Goldfinch Health

SURGERY RECOVERY PROGRAM GOLDFINCH HEALTH Goldfinch Health is a service designed to support you through every step of your surgery experience. If you or a family member need surgery, Goldfinch Health provides access to nurse navigators who offer personalized guidance before, during, and after your procedure. Their team helps you understand your options, connects you with high-quality surgical facilities, and shares recovery strategies proven to reduce pain, speed healing, and minimize the need for opioids. With Goldfinch Health, you can feel confident that you have expert support to help you recover safely and return to your daily life as quickly as possible. For more information, visit www.goldfinchhealth.com.

2027 BENEFITS GUIDE

Benefits MAC

MEMBER ADVOCACY

Brush up on your benefits knowledge with these key healthcare definitions!

NEED HELP RESOLVING A BENEFITS ISSUE?

Copay/Copayment A fixed dollar amount that you usually pay when you receive services (e.g., office visits, prescriptions, emergency room usage, hospital admissions).

The Benefits Member Advocacy Center (MAC), provided by Conner Strong & Buckelew, allows you to speak to a specially trained Member Advocate who can help you get the most out of your benefits.

Coinsurance The percentage of eligible medical or prescription expenses after the deductible amount that you pay.

You can contact the Benefits MAC for assistance if you: • Believe your claim was not paid properly • Need clarification on information from the insurance company • Have a question regarding a medical bill • Are unclear on how your benefits work • Need information about adding or removing a dependent • Need help resolving a benefits problem You can contact the Benefits MAC via: • Phone: 800-563-9929* • Web: www.connerstrong.com/memberadvocacy • E-mail: cssteam@connerstrong.com * Member Advocates are available Monday through Friday, 8:30 am to 5:00 pm (Eastern Time). After hours, you will be able to leave a message with a live representative and receive a response by phone or email during business hours within 24 to 48 hours of your inquiry.

Deductible A flat amount you must pay before the plan begins to pay for covered services you use. Review your plan details; you may not have to meet your deductible for specific services before the plan will pay. Out-of-Pocket Limit (OOP) The most you could pay during the calendar year for your share of covered services. You have a different OOP for your medical and prescription expenses for Tiered Medical Plans. Your share includes your copays, coinsurance and deductibles. At times, you may see OOP referred to as out-of-pocket maximum, or abbreviated as OOM. Health Savings Account (HSA) An account that holds tax-free income in reserve for health-related expenses. HSAs can be funded only when you are enrolled in the High Deductible Health Plan. Contributions are withheld from income before taxes and are not subject to taxes when used for qualifying medical expenses. Flexible Spending Account (FSA) A healthcare or dependent care FSA allows you to save tax-free for health or dependent care expenses. This account must be elected each year.

36 | 2027 BENEFITS GUIDE

BenePortal

ONLINE BENEFITS RESOURCE YOUR BENEFITS INFORMATION — ALL IN ONE PLACE! At Devereux, employees have access to a full range of valuable employee benefit programs. With BenePortal, you and your dependents can review your current employee benefit plan options online, 24/7! Use BenePortal to access benefit plan documents, insurance carrier contacts, forms, guides, links and other applicable benefit materials. BenePortal is mobile-optimized, making it easy to view your benefits on-the-go. Simply bookmark the site in your phone’s browser or save it to your home screen for quick access. BenePortal features include: • Oracle Self-Service Information • Plan summaries • Wellness resources • Carrier contacts • Downloadable forms • And more! Simply go to www.mydevereuxbenefits.org to access your benefits information today!

2027 BENEFITS GUIDE

Conner Strong & Buckelew

VALUE-ADDED SERVICES BENEFITPERKS

HUSK WELLNESS DISCOUNT PROGRAM

With CSB Benefit Perks, members gain access to premium discounts on valuable services and items. CSB Benefit Perks is a discount and rewards program provided by Conner Strong & Buckelew (CSB) that is available to all employees at no additional cost.

Achieving optimal health and wellness doesn’t have to be complicated or expensive. Access exclusive best-in-class pricing with some of the biggest brands in fitness, nutrition, and wellness with HUSK Marketplace (formerly GlobalFit).

The program allows employees to receive discounts and cash back for hand-selected shopping online at major retailers. Use the Benefit Perks website to browse through categories such as: • Automotive • Beauty • Computer & Electronics • Gifts & Flowers • Health & Wellness • And much more! Employees can also print coupons to present at local retailers and merchants for in-person savings, including movie theatres and other services. Start saving today by registering online at connerstrong.corestream.com.

HEALTHYLEARN This resource covers over a thousand health and wellness topics in a simple, straight-forward manner. The HealthyLearn On-Demand Library features all the health information you need to be well and stay well. Learn more at: www.healthylearn.com/connerstrong

38 | 2027 BENEFITS GUIDE

Not a traditional gym goer? Take advantage of all the benefits of group exercise classes in the comfort of your own home. HUSK’s streaming membership options will take your wellness and workouts to the next level. Home Equipment and Tech Whatever your fitness level is, HUSK has exclusive equipment and wearable technology to help support you on your wellness journey. Whether you want to monitor an everyday activity or start a new fitness routine, find the best products and deals here. Learn more by visiting marketplace.huskwellness.com/connerstrong

GOODRX Use Good Rx to compare drug prices at local and mailorder pharmacies and discover free coupons and savings tips. Find huge savings on drugs not covered by your insurance plan – you may even find savings versus your typical co-payment! Start saving on your prescriptions today at connerstrong.goodrx.com.

Benefits

CONTACTS & RESOURCES

BENEFITS/RESOURCES

PROVIDER NAME

PHONE NUMBER

WEBSITE

MEDICAL (INCLUDING DAVIS VISION)

Independence Blue Cross (IBX)

1-800-ASK-BLUE (800-275-2583)

www.ibx.com

PRESCRIPTION DRUG

Independence Blue Cross (IBX)

888.678.7012

www.ibx.com

TELEMEDICINE

Teladoc

1.800.835.2362

www.teladochealth.com

DENTAL

Cigna

800.564.7642

www.mycigna.com

EyeMed through Cigna

888.353.2653

www.mycigna.com

HEALTH SAVINGS ACCOUNT (HSA)

Optum Bank

866.234.8913

www.optumbank.com

FLEXIBLE SPENDING ACCOUNTS (FSA)

Employee Benefits Corporation

800.346.2126

www.ebcflex.com

New York Life

800.238.2125

www.mynylgbs.com

TIAA

800.842.2252

www.tiaa.org/devereux

PET BENEFITS

Wishbone Pet Insurance

800-887-5708

www.wishbone.pet

LEGAL ASSISTANCE/ID THEFT

LegalShield & ID Shield

LegalShield: 800.654.7757 IDShield: 888.494.8519

https://login.legalshield.com

AllOne Health

800-451-1834

allonehealth.com/portal

VOLUNTARY VISION

LIFE/AD&D, DISABILITY, ACCIDENTAL INJURY, HOSPITAL CARE & CRITICAL ILLNESS RETIREMENT BENEFITS

EMPLOYEE ASSISTANCE PROGRAM

2027 BENEFITS GUIDE

Explanation of Accruals

HML AND TOB

The table below illustrates the accrual schedule for Health Management Leave (HML) and Time-off Benefit (TOB).

Note: HML and TOB benefits are available to scheduled full-time employees. YEARS OF SERVICE

ACCRUAL FACTOR

ANNUAL ACCRUAL MAXIMUM

EARNED ON 80 HOURS WORKED

.0500

64 Hours

4.00 Hours

2.6 days per month

Determined by # of months

N/A

1 YEAR – 19 YEARS

31 days

Front loaded 7/1 of each year

N/A

20+ YEARS

36 days

Front loaded 7/1 of each year

N/A

DAY 1 – 2 YEARS

.0923

192

7.38 Hours

3 YEARS – 4 YEARS

.0962

200

7.70 Hours

5 YEARS – 9 YEARS

.1000

208

8.00 Hours

10 YEARS – 14 YEARS

.1192

248

9.54 Hours

15+ YEARS

.1385

288

11.08 Hours

HEALTH MANAGEMENT LEAVE DATE OF HIRE

TIME OFF BENEFIT: VP, ED, OOP < 1 YEAR

TIME OFF BENEFIT

TIME OFF BENEFITS AND HML: EDUCATION / SCHOOL-BASED PROGRAMS Time Off Benefits (TOB and Health Medical Leave (HML) for Education and School-based programs vary based on program and location. Please check with People Operations or your supervisor for details.

40 | 2027 BENEFITS GUIDE

Voluntary Benefits Rates & Additional Plan Details HOW TO CALCULATE YOUR SEMIMONTHLY COST:

BI-WEEKLY SUPPLEMENTAL LIFE RATES AGE

EMPLOYEE RATE

SPOUSE/DOMESTIC PARTNER RATE

0-19

$0.031

$0.029

20-24

$0.031

$0.029

25-29

$0.031

$0.046

30-34

$0.038

$0.060

35-39

$0.046

$0.074

40-44

$0.065

$0.103

45-49

$0.096

$0.166

50-54

$0.153

$0.262

55-59

$0.243

$0.427

60-64

$0.343

$0.540

65-69

$0.610

$0.785

70-74

$0.989

$1.558

75-79

$0.989

$1.558

80-84

$0.989

$1.558

85-89

$0.989

$1.558

90-94

$0.989

$1.558

95-99

$0.989

$1.558

• Use the chart to find your Semi-Monthly rate based on your age as of your effective date. • Multiply this rate by your desired coverage amount, in units. Reference the table above to find the appropriate unit amounts for employee and/or dependents. • The result is the Semi-Monthly cost.

CHILD RATE PER $1,000 Up to age 26

$0.065

ADDITIONAL SUPPLEMENTAL AD&D AMOUNTS AVAILABLE UP TO $500,000

NYL SUPPLEMENTAL ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) RATES

To determine the cost for the amount you desire:

MONTHLY SUPPLEMENTAL AD&D RATES COVERAGE AMOUNT

EMPLOYEE RATE

EMPLOYEE + FAMILY RATE

$10,000

$0.032

$0.030

$20,000

$0.032

$0.030

$30,000

$0.032

$0.048

$40,000

$0.040

$0.062

$50,000

$0.048

$0.078

$60,000

$0.068

$0.108

$70,000

$0.100

$0.172

$80,000

$0.160

$0.272

$90,000

$0.254

$0.445

$100,000

$0.357

$0.562

• Amount of Insurance coverage multiplied by Cost divided by10,000 • Example for $300,000 benefit: — Employee Only: ($300,000 x $0.18 / 10,000 = $5.40); — Family: ($300,000 x $0.26 / 10,000 = $7.80)

2027 BENEFITS GUIDE

Voluntary Benefits Rates & Additional Plan Details

NYL SUPPLEMENTAL SHORT-TERM DISABILITY (STD) RATES BI-WEEKLY SUPPLEMENTAL STD RATES AGE

14-DAY ELIMINATION PERIOD

28-DAY ELIMINATION PERIOD

< 25

$0.94

25–29

CALCULATING YOUR STD PAYROLL DEDUCTION: To calculate the bi-weekly payroll deduction for voluntary Short-term Disability coverage, use the indicated rate for your age and the formula below:

$0.47

1. Enter your annual pre-disability earnings, not to exceed $130,000, divided by 52 weeks, and multiply by benefit of 60 percent and enter on Line 1

$1.14

$0.55

2. Select your rate from the rate table and enter on Line 2

30–34

$1.35

$0.65

35–39

$1.02

$0.45

3. Multiply Line 1 by the amount shown on Line 2 and enter on Line 3

40–44

$0.66

$0.30

4. Divide Line 3 by $10 and enter on Line 4

45–49

$0.70

$0.34

50–54

$0.85

$0.43

5. Multiply Line 4 by 12 months and enter on Line 5

55–59

$0.96

$0.45

6. Divide Line 5 by 26 pays and enter on Line 6

60–64

$1.12

$0.54

65+

$1.18

$0.54

The amount shown on Line 6 is your estimated bi-weekly payroll deduction for this benefit; premiums will be deducted directly from your paycheck.

NYL SUPPLEMENTAL HOSPITAL INDEMNITY INSURANCE PLAN DETAILS

NYL SUPPLEMENTAL HOSPITAL INDEMNITY PER-PAY RATES

BENEFIT DETAILS

TIER

BENEFIT AMOUNT

HOSPITAL ADMISSION*

$1,000 per day

HOSPITAL CHRONIC CONDITION ADMISSION*

$50 per day

HOSPITAL STAY*

$100 per day

HOSPITAL INTENSIVE CARE UNIT STAY* HOSPITAL OBSERVATION STAY 24-hour elimination period. Limited to 72 hours. * No elimination period. Limited to 1 day, 1 beenfit(s) every 90 days. Note: Inpatient stay required to receive benefits.

42 | 2027 BENEFITS GUIDE

RATE PER PAY

EMPLOYEE ONLY

$6.72

EMPLOYEE + SPOUSE/DOMESTIC PARTNER

$13.10

$200 per day

EMPLOYEE + CHILD(REN)

$11.49

$100 per day

FAMILY

$17.72

Voluntary Benefits Rates & Additional Plan Details

VOLUNTARY VISION PER-PAY CONTRIBUTIONS

NYL VOLUNTARY ACCIDENTAL INJURY INSURANCE PER-PAY RATES

TEIR

RATE PER PAY

SINGLE

$4.08

EMPLOYEE ONLY

$3.58

2-PERSON (EMPLOYEE/CHILD)

$8.17

EMPLOYEE + SPOUSE/DOMESTIC PARTNER

$5.90

2-PERSON (EMPLOYEE CHILD/DEPENDENT)

$8.25

EMPLOYEE + CHILD(REN)

$7.62

FAMILY / 2 EMPLOYED

$13.17

FAMILY

$9.82

TIER

RATE PER PAY

TOTAL PET PLAN NYL VOLUNTARY CRITICAL ILLNESS RATES PER $10,000 OF COVERAGE

TIER

RATE PER PAY

AGE

EE + SPOUSE

EE + CHILDREN

FAMILY

SINGLE PET

$5.43

< 25

$1.60

$2.53

$2.07

$3.00

FAMILY PLAN

$8.54

25-29

$1.81

$2.83

$2.28

$3.30

30-34

$2.15

$3.33

$2.62

$3.79

35-39

$3.00

$4.55

$3.47

$5.01

40-44

$3.84

$5.89

$4.31

$6.36

45-49

$5.26

$8.15

$5.73

$8.62

50-54

$6.92

$10.83

$7.38

$11.30

55-59

$9.40

$15.09

$9.86

$15.56

60-64

$11.73

$19.07

$12.20

$19.54

65-69

$15.70

$25.08

$16.17

$25.55

70-74

$20.76

$32.82

$21.22

$33.29

75-79

$27.01

$42.70

$27.48

$43.17

80-84

$31.59

$50.35

$32.06

$50.82

85-89

$42.72

$66.77

$43.19

$67.23

90-94

$42.72

$66.77

$43.19

$67.23

95+

$42.72

$66.77

$43.19

$67.23

WISHBONE PET INSURANCE Premium varies per policy; get an individual quote at www.petbenefits.com.

LEGALSHIELD LEGAL BENEFIT RATES* TIER SINGLE/FAMILY COVERAGE

RATE PER PAY $8.75

ID THEFT RATES* TIER

RATE PER PAY

SINGLE PET

$4.13

FAMILY PLAN

$8.75

* If you want both LegalShield and IDShield coverage, single coverage is $12.88 bi-weekly and family coverage is $15.65 bi-weekly.

2027 BENEFITS GUIDE

Legal Notices & Disclosures

IMPORTANT NOTICE This Guide is intended to provide you with the information you need to choose your 2027 benefits, including details about your benefits options and the actions you need to take during this [year’s Annual] Enrollment period. It also outlines additional sources of information to help you make your enrollment choices. If you have questions about your 2027 benefits or the enrollment process, call People Operations at 610-520-3000. The information presented in this Guide is not intended to be construed to create a contract between Devereux Advanced Behavioral Health’s and any one of Devereux Advanced Behavioral Health’s employees or former employees. In the event that the content of this Guide or any oral representations made by any person regarding the plan conflict with or are inconsistent with the provisions of the plan document, the provisions of the plan document are controlling. Devereux Advanced Behavioral Health reserves the right to amend, modify, suspend, replace or terminate any of its plans, policies or programs, in whole or in part, including any level or form of coverage by appropriate company action, without your consent or concurrence.

certain component benefit programs. To determine whether you or your family members are eligible to participate in a component benefit program, please read the eligibility information contained in the Guide or Wrap Document for the applicable component benefit programs.

https://www.mydevereuxbenefits.org/.

NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT NOTICE Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the 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 issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

NOTICE OF PRIVACY PRACTICES THIS NOTICE OF PRIVACY PRACTICES DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

AVAILABILITY OF SUMMARY HEALTH INFORMATION As an employee, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in the case of illness or injury.

WOMEN’S HEALTH AND CANCER RIGHTS ACT NOTICE If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomyrelated benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for:

Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format, to help you compare across options. The SBC is available on the web at: https://www. mydevereuxbenefits.org/copy-of-contacts-and-documents . A paper copy is also available, free of charge, by contacting People Operations. OPEN ENROLLMENT MATERIALS AS AN SMM This open enrollment communication addresses information on changes coming for the new year, and as such this communication constitutes a “Summary of Material Modification” or SMM to the Summary Plan Description (SPD) for the Plan, thereby modifying the information previously presented in the SPD with respect to the Plan. Please keep a copy of this SMM with the SPD previously provided to you. ELIGIBILITY An eligible employee with respect to the programs described in this Guide is any individual who is designated as eligible to participate in and receive benefits under one or more of the component benefit programs described herein. The eligibility and participation requirements may vary depending on the particular component program. You must satisfy the eligibility requirements under a particular component benefit program in order to receive benefits under that program. Certain individuals related to you, such as a spouse or your dependents, may be eligible for coverage under

44 | 2027 BENEFITS GUIDE

• 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, call your Plan Administrator 610-520-3000.

You may also contact the Plan’s Privacy Official at 610-520-3000, benefits@devereux.org, etc. for more information on the Plan’s privacy policies or your rights under HIPAA.

This Notice of Privacy Practices (the “Notice”) describes the legal obligations of [The Devereux Foundation] group health plan (the “Plan”) and your legal rights regarding your protected health information held by the Plan under the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). Among other things, this Notice describes how your protected health information may be used or disclosed to carry out treatment, payment, or health care operations, or for any other purposes that are permitted or required by law. We are required to provide this Notice of Privacy Practices to you pursuant to HIPAA. The HIPAA Privacy Rule protects only certain medical information known as “protected health information.” Generally, protected health information is individually identifiable health information, including demographic information, collected from you or created or received by a health care provider, a health care clearinghouse, a health plan, or your employer on behalf of a group health plan that relates to: 1. 2. 3.

your past, present or future physical or mental health or condition; the provision of health care to you; or the past, present or future payment for the provision of health care to you.

If you have any questions about this Notice or about our privacy practices, please contact People Operations.

AVAILABILITY OF NOTICE OF PRIVACY PRACTICES Devereux Advanced Behavioral Health sample privacy notice reminder.

Effective Date. This Notice is effective 10/5/2026. Note: the effective date may not be earlier than the date on which the Notice is printed or otherwise published.

Devereux Advanced Behavioral Health

Our Responsibilities. We are required by law to:

10/5/2026

Devereux Health and Welfare Plan The privacy rules under the Health Insurance Portability and Accountability Act (HIPAA) require the Devereux Health and Welfare Plan (the “Plan”) to periodically send a reminder to participants about the availability of the Plan’s Privacy Notice and how to obtain that notice. The Privacy Notice explains participants’ rights and the Plan’s legal duties with respect to protected health information (PHI) and how the Plan may use and disclose PHI. To obtain a copy of the Privacy Notice contact People Operations at 610-520-3000. You may also view the Privacy Notice online at

• maintain the privacy of your protected health information; • provide you with certain rights with respect to your protected health information; • provide you with a copy of this Notice of our legal duties and privacy practices with respect to your protected health information; and • follow the terms of the Notice that is currently in effect. We reserve the right to change the terms of this Notice and to make new provisions regarding your protected health information that we maintain, as allowed or required by law. If we make any material

Legal Notices & Disclosures

change to this Notice, we will provide you with a copy of our revised Notice of Privacy Practices by mail to your last-known address on file, uploading a copy to the BenePortal, and updating the notice in the Benefits Guide. How We May Use and Disclose Your Protected Health Information. Under the law, we may use or disclose your protected health information under certain circumstances without your permission. The amount of health information used, disclosed or requested will be limited and, when needed, restricted to the minimum necessary to accomplish the intended purposes, as defined under the HIPAA rules. And in all cases, if we have substance use disorder patient records about you, subject to 42 CFR part 2, we cannot use or share information in those records in civil, criminal, administrative, or legislative investigations or proceedings against you without (1) your consent or (2) a court order and a subpoena. The following categories describe the different ways that we may use and disclose your protected health information. For each category of uses or disclosures we will explain what we mean and present some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories. For Treatment. We may use or disclose your protected health information to facilitate medical treatment or services by providers. We may disclose medical information about you to providers, including doctors, nurses, technicians, medical students, or other hospital personnel who are involved in taking care of you. For example, we might disclose information about your prior prescriptions to a pharmacist to determine if prior prescriptions contraindicate a pending prescription. For Payment. We may use or disclose your protected health information to determine your eligibility for Plan benefits, to facilitate payment for the treatment and services you receive from health care providers, to determine benefit responsibility under the Plan, or to coordinate Plan coverage. For example, we may tell your health care provider about your medical history to determine whether a particular treatment is experimental, investigational, or medically necessary, or to determine whether the Plan will cover the treatment. We may also share your protected health information with a utilization review or precertification service provider. Likewise, we may share your protected health information with another entity to assist with the adjudication or subrogation of health claims or to another health plan to coordinate benefit payments. For Health Care Operations. We may use and disclose your protected health information for other Plan operations. These uses and disclosures are necessary to run the Plan. For example, we may use medical information in connection with conducting quality assessment and improvement activities; underwriting, premium rating, and other activities relating to Plan coverage; submitting claims for stop-loss (or excess-loss) coverage; conducting or arranging for medical review, legal services, audit services, and fraud & abuse detection programs; business planning and development such as cost management; and business management and general Plan administrative activities. If the Plan uses or discloses protected

health information for underwriting purposes, including determining eligibility for benefits or premium, the Plan will not use or disclose protected health information that is genetic information for such purposes, as prohibited by the Genetic Information Nondiscrimination Act of 2008 (GINA) and any regulations thereunder.

Military and Veterans. If you are a member of the armed forces, we may release your protected health information as required by military command authorities. We may also release protected health information about foreign military personnel to the appropriate foreign military authority.

To Business Associates. We may contract with individuals or entities known as Business Associates to perform various functions on our behalf or to provide certain types of services. In order to perform these functions or to provide these services, Business Associates will receive, create, maintain, use and/or disclose your protected health information, but only after they agree in writing with us to implement appropriate safeguards regarding your protected health information. For example, we may disclose your protected health information to a Business Associate to administer claims or to provide support services, such as utilization management, pharmacy benefit management or subrogation, but only after the Business Associate enters into a Business Associate contract with us.

Workers’ Compensation. We may release your protected health information for workers’ compensation or similar programs. These programs provide benefits for work-related injuries or illness.

As Required by Law. We will disclose your protected health information when required to do so by federal, state or local law. For example, we may disclose your protected health information when required by national security laws or public health disclosure laws. To the extent that we have your substance use disorder patient records, subject to 42 CFR part 2, we will not share that information for investigations or legal proceedings against you without (1) your written consent or (2) a court order and a subpoena. To Avert a Serious Threat to Health or Safety. We may use and disclose your protected health information when necessary to prevent a serious threat to your health and safety, or the health and safety of the public or another person. Any disclosure, however, would only be to someone able to help prevent the threat. For example, we may disclose your protected health information in a proceeding regarding the licensure of a physician. To Plan Sponsors. For the purpose of administering the plan, we may disclose to certain employees of the Employer protected health information. However, those employees will only use or disclose that information as necessary to perform plan administration functions or as otherwise required by HIPAA, unless you have authorized further disclosures. Your protected health information cannot be used for employment purposes without your specific authorization. Special Situations. In addition to the above, the following categories describe other possible ways that we may use and disclose your protected health information. For each category of uses or disclosures, we will explain what we mean and present some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories. Organ and Tissue Donation. If you are an organ donor, we may release your protected health information to organizations that handle organ procurement or organ, eye, or tissue transplantation or to an organ donation bank, as necessary to facilitate organ or tissue donation and transplantation.

Public Health Risks. We may disclose your protected health information for public health actions. These actions generally include the following: • to prevent or control disease, injury, or disability; • to report births and deaths; • to report child abuse or neglect; • to report reactions to medications or problems with products; • to notify people of recalls of products they may be using; • to notify a person who may have been exposed to a disease or may be at risk for contracting or spreading a disease or condition; • to notify the appropriate government authority if we believe that a patient has been the victim of abuse, neglect, or domestic violence. We will only make this disclosure if you agree, or when required or authorized by law. Health Oversight Activities. We may disclose your protected health information to a health oversight agency for activities authorized by law. These oversight activities include, for example, audits, investigations, inspections, and licensure. These activities are necessary for the government to monitor the health care system, government programs, and compliance with civil rights laws. Lawsuits and Disputes. If you are involved in a lawsuit or a dispute, we may disclose your protected health information in response to a court or administrative order. We may also disclose your protected health information in response to a subpoena, discovery request, or other lawful process by someone else involved in the dispute, but only if efforts have been made to tell you about the request or to obtain an order protecting the information requested. Law Enforcement. We may disclose your protected health information if asked to do so by a law enforcement official— • in response to a court order, subpoena, warrant, summons or similar process; • to identify or locate a suspect, fugitive, material witness, or missing person; • about the victim of a crime if, under certain limited circumstances, we are unable to obtain the victim’s agreement; • about a death that we believe may be the result of criminal conduct; and • about criminal conduct.

2027 BENEFITS GUIDE

Legal Notices & Disclosures

Coroners, Medical Examiners and Funeral Directors. We may release protected health information to a coroner or medical examiner. This may be necessary, for example, to identify a deceased person or determine the cause of death. We may also release medical information about patients to funeral directors, as necessary to carry out their duties. National Security and Intelligence Activities. We may release your protected health information to authorized federal officials for intelligence, counterintelligence, and other national security activities authorized by law. Inmates. If you are an inmate of a correctional institution or are in the custody of a law enforcement official, we may disclose your protected health information to the correctional institution or law enforcement official if necessary (1) for the institution to provide you with health care; (2) to protect your health and safety or the health and safety of others; or (3) for the safety and security of the correctional institution. Research. We may disclose your protected health information to researchers when: 1. 2.

the individual identifiers have been removed; or when an institutional review board or privacy board has reviewed the research proposal and established protocols to ensure the privacy of the requested information and approves the research.

Required Disclosures. The following is a description of disclosures of your protected health information we are required to make. Government Audits. We are required to disclose your protected health information to the Secretary of the United States Department of Health and Human Services when the Secretary is investigating or determining our compliance with the HIPAA privacy rule. Disclosures to You. When you request, we are required to disclose to you the portion of your protected health information that contains medical records, billing records, and any other records used to make decisions regarding your health care benefits. We are also required, when requested, to provide you with an accounting of most disclosures of your protected health information if the disclosure was for reasons other than for payment, treatment, or health care operations, and if the protected health information was not disclosed pursuant to your individual authorization. Other Disclosures of Your Medical Information Require Your Authorization Written Authorization. Your medical information will not be used or disclosed for any purpose not mentioned above in the “How We May Use and Disclose Your Protected Health Information” section except as permitted by law or as authorized by you. This includes disclosures to personal representatives and spouses and other family members as described below. In the event that the Plan needs to use or disclose medical information about you for a reason other than what is listed in this notice or required by law, we will request

46 | 2027 BENEFITS GUIDE

your permission to use your medical information and the medical information will only be used as specified in your authorization. You may complete an Authorization form if you want the Plan to disclose medical information about you to someone else. Any authorization you provide will be limited to the specific information identified by you and you will be required to specify the intended use or disclosure and name then person or organization that is permitted to use or receive the information specified in the authorization form. You have the right to revoke a previous authorization. Requests to revoke an authorization must be in writing. The Plan will honor your request of revocation for the prospective period of time after the Plan has received your request. It will not be effective for any information that may have been used or disclosed in reliance upon the written authorization and prior to receiving your written revocation. In addition, the Plan will not sell your medical information or use it for marketing purposes (that are not considered as part of treatment or healthcare operations) without a signed authorization from you. Also, if applicably, the Plan will not disclose psychotherapy notes without a signed authorization from you. Personal Representatives. We will disclose your protected health information to individuals authorized by you, or to an individual designated as your personal representative, attorney-in-fact, etc., so long as you provide us with a written notice/authorization and any supporting documents (i.e., power of attorney). Note: Under the HIPAA privacy rule, we do not have to disclose information to a personal representative if we have a reasonable belief that: 1. 2. 3.

you have been, or may be, subjected to domestic violence, abuse or neglect by such person; or treating such person as your personal representative could endanger you; and in the exercise of professional judgment, it is not in your best interest to treat the person as your personal representative.

Spouses and Other Family Members. With only limited exceptions, we will send all mail to the employee. This includes mail relating to the employee’s spouse and other family members who are covered under the Plan, and includes mail with information on the use of Plan benefits by the employee’s spouse and other family members and information on the denial of any Plan benefits to the employee’s spouse and other family members. If a person covered under the Plan has requested Restrictions or Confidential Communications (see below under “Your Rights”), and if we have agreed to the request, we will send mail as provided by the request for Restrictions or Confidential Communications. Your Rights. You have the following rights with respect to your protected health information: Right to Inspect and Copy. You have the right to inspect and copy certain protected health information maintained in any form (paper or electronic) that may be used to make decisions about your health care benefits. To inspect and copy your protected health information, you must submit your request in writing to People

Operations. If you request a copy of the information, we may charge a reasonable fee for the costs of copying, mailing, or other supplies associated with your request. We may deny your request to inspect and copy in certain very limited circumstances. If you are denied access to your medical information, you may request that the denial be reviewed by submitting a written request to People Operations. Right to Amend. If you feel that the protected health information we have about you is incorrect or incomplete, you may ask us to amend the information. You have the right to request an amendment for as long as the information is kept by or for the Plan. To request an amendment, your request must be made in writing and submitted to ________. In addition, you must provide a reason that supports your request. We may deny your request for an amendment if it is not in writing or does not include a reason to support the request. In addition, we may deny your request if you ask us to amend information that: • is not part of the medical information kept by or for the Plan; • was not created by us, unless the person or entity that created the information is no longer available to make the amendment; • is not part of the information that you would be permitted to inspect and copy; or • is already accurate and complete. If we deny your request, you have the right to file a statement of disagreement with us and any future disclosures of the disputed information will include your statement. Right to an Accounting of Disclosures. You have the right to request an “accounting” of certain disclosures of your protected health information. The accounting will not include (1) disclosures for purposes of treatment, payment, or health care operations; (2) disclosures made to you; (3) disclosures made pursuant to your authorization; (4) disclosures made to friends or family in your presence or because of an emergency; (5) disclosures for national security purposes; and (6) disclosures incidental to otherwise permissible disclosures. To request this list or accounting of disclosures, you must submit your request in writing to People Operations. Your request must state a time period of no longer than six years and may not include dates before April 14, 2003. Your request should indicate in what form you want the list (for example, paper or electronic). The first list you request within a 12-month period will be provided free of charge. For additional lists, we may charge you for the costs of providing the list. We will notify you of the cost involved and you may choose to withdraw or modify your request at that time before any costs are incurred. Right to Request Restrictions. You have the right to request a restriction or limitation on your protected health information that we use or disclose for treatment, payment, or health care operations. You also have the right to request a limit on your protected health information that we disclose to someone who is involved in your care or the payment for your care, such as a family member or friend. For example, you could ask that we not use or disclose information

Legal Notices & Disclosures

about a surgery that you had. Except as provided in the next paragraph, we are not required to agree to your request. However, if we do agree to the request, we will honor the restriction until you revoke it or we notify you. We will comply with any restriction request if: (1) except as otherwise required by law, the disclosure is to the health plan for purposes of carrying out payment or health care operations (and is not for purposes of carrying out treatment); and (2) the protected health information pertains solely to a health care item or service for which the health care provider involved has been paid out-of-pocket in full. To request restrictions, you must make your request in writing to People Operations. In your request, you must tell us (1) what information you want to limit; (2) whether you want to limit our use, disclosure, or both; and (3) to whom you want the limits to apply—for example, disclosures to your spouse. Right to Request Confidential Communications. You have the right to request that we communicate with you about medical matters in a certain way or at a certain location. For example, you can ask that we only contact you at work or by mail. To request confidential communications, you must make your request in writing to People Operations. We will not ask you the reason for your request. Your request must specify how or where you wish to be contacted. We will accommodate all reasonable requests if you clearly provide information that the disclosure of all or part of your protected information could endanger you. Right to be Notified of a Breach. You have the right to be notified in the event that we (or a Business Associate) discover a breach of unsecured protected health information. You will receive a notification to your last know address within 60 days of the discovery. The notification will include: • specific information about the breach including a brief description of what happened • a description of the types of unsecured medical information involved in the breach • any steps you should take to protect yourself from potential harm resulting from the breach • a brief decription of the invesitgation the Plan is performing to mitigate the harm to you and protect you from future breaches • a contact information where you may direct additional questions or get more information about the breach. Right to a Paper Copy of This Notice. You have the right to a paper copy of this notice. You may ask us to give you a copy of this notice at any time. Even if you have agreed to receive this notice electronically, you are still entitled to a paper copy of this notice. You may obtain a copy of this notice at our website, www. mydevereuxbenefits.org. To obtain a paper copy of this notice, contact People Operations. Complaints. If you believe that your privacy rights have been violated, you may file a complaint with the Plan or with the Office for Civil Rights of the United States Department of Health and

Human Services. To file a complaint with the Plan, contact People Operations. All complaints must be submitted in writing. You will not be penalized, or in any other way retaliated against, for filing a complaint with the Office for Civil Rights or with us. SPECIAL ENROLLMENT NOTICE Loss of other coverage (excluding Medicaid or a State Children’s Health Insurance Program). If you decline enrollment for yourself or for an eligible dependent (including your spouse) while other health insurance or group health plan coverage (including COBRA coverage) is in effect, 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 Company stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 30 days or any longer period that applies under the plan after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage). If you request a change within the applicable timeframe, coverage will be effective the first of the month following your request for enrollment. When the loss of other coverage is COBRA coverage, then the entire COBRA period must be exhausted in order for the individual to have another special enrollment right under the Plan. Generally, exhaustion means that COBRA coverage ends for a reason other than the failure to pay COBRA premiums or for cause (that is, submission of a fraudulent claim). This means that the entire 18-, 29-, or 36-month COBRA period usually must be completed in order to trigger a special enrollment for loss of other coverage. Loss of eligibility for Medicaid or a State Children’s Health Insurance Program. If you decline enrollment for yourself or for an eligible dependent (including your spouse) while Medicaid coverage or coverage under a state children’s health insurance program (CHIP) is in effect, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage. However, you must request enrollment within 60 days after your or your dependents’ coverage ends under Medicaid or CHIP. If you request a change within the applicable timeframe, coverage will be effective the first of the month following your request for enrollment. New dependent by marriage, birth, adoption, or placement for adoption. 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 new dependents. However, you must request enrollment within 30 days or any longer period that applies under the plan after the marriage, birth, adoption, or placement for adoption. If you request a change within the applicable timeframe, coverage will be effective the date of birth, adoption or placement for adoption. For a new dependent as a result of marriage, coverage will be effective the first of the month following your request for enrollment. Eligibility for Medicaid or a State Children’s Health Insurance Program. If you or your dependents (including your spouse) become eligible for a state premium assistance subsidy from

Medicaid or through a state children’s health insurance program (CHIP) with respect to coverage under this plan, you may be able to enroll yourself and your dependents in this plan. However, you must request enrollment within 60 days after your or your dependents’ determination of eligibility for such assistance. If you request a change within the applicable timeframe, coverage will be effective the first of the month following your request for enrollment. To request special enrollment or obtain more information, contact [People Operations, benefits@devereux.org]. 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. The following list of states is current as of July 31, 2026. Contact your Statefor more information on eligibility – ALABAMA – Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447 ALASKA – Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/default. aspx

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Legal Notices & Disclosures

ARKANSAS – Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447) CALIFORNIA – Medicaid Health Insurance Premium Payment (HIPP) Program Website: http:// dhcs.ca.gov/hipp Phone: 916-445-8322 Fax: 916-440-5676 Email: hipp@dhcs.ca.gov COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711 CHP+: https://hcpf.colorado.gov/child-health-plan-plus CHP+ Customer Service: 1-800-359-1991/State Relay 711 Health Insurance Buy-In Program (HIBI): https://www.mycohibi. com/ HIBI Customer Service: 1-855-692-6442 FLORIDA – Medicaid Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268 GEORGIA – Medicaid GA HIPP Website: https://medicaid.georgia.gov/health-insurancepremium-payment-program-hipp Phone: 678-564-1162, Press 1 GA CHIPRA Website: https://medicaid.georgia.gov/programs/thirdparty-liability/childrens-health-insurance-program-reauthorizationact-2009-chipra Phone: 678-564-1162, Press 2

KANSAS – Medicaid Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884 HIPP Phone: 1-800-967-4660 KENTUCKY – Medicaid Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx Phone: 1-855-459-6328 Email: KIHIPP.PROGRAM@ky.gov KCHIP Website: https://kynect.ky.gov Phone: 1-877-524-4718 Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms LOUISIANA – Medicaid Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP) MAINE – Medicaid Enrollment Website: https://www.mymaineconnection.gov/ benefits/s/?language=en_US Phone: 1-800-442-6003 TTY: Maine relay 711 Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms Phone: 1-800-977-6740 TTY: Maine relay 711 MASSACHUSETTS – Medicaid and CHIP Website: https://www.mass.gov/masshealth/pa Phone: 1-800-862-4840 TTY: 711 Email: masspremassistance@accenture.com

INDIANA – Medicaid Health Insurance Premium Payment Program All other Medicaid Website: https://www.in.gov/medicaid/ http://www.in.gov/fssa/dfr/ Family and Social Services Administration Phone: 1-800-403-0864 Member Services Phone: 1-800-457-4584

MINNESOTA – Medicaid Website: https://mn.gov/dhs/health-care-coverage/ Phone: 1-800-657-3672

IOWA – Medicaid and CHIP (Hawki) Medicaid Website: https://hhs.iowa.gov/programs/welcome-iowa-medicaid Medicaid Phone: 1-800-338-8366 Hawki Website: https://hhs.iowa.gov/programs/welcome-iowa-medicaid/iowahealth-link/hawki Hawki Phone: 1-800-257-8563 HIPP Website: https://hhs.iowa.gov/programs/welcome-iowamedicaid/fee-service/hipp HIPP Phone: 1-888-346-9562

MONTANA – Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084 Email: HHSHIPPProgram@mt.gov

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MISSOURI – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005

NEBRASKA – Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633 Lincoln: 402-473-7000 Omaha: 402-595-1178

NEVADA – Medicaid Medicaid Website: http://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900 NEW HAMPSHIRE – Medicaid Website: https://www.dhhs.nh.gov/programs-services/medicaid/ health-insurance-premium-program Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-852-3345, ext. 15218 Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov NEW JERSEY – Medicaid and CHIP Medicaid Website: http://www.state.nj.us/humanservices/dmahs/ clients/medicaid/ Phone: 1-800-356-1561 CHIP Premium Assistance Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 (TTY: 711) NEW YORK – Medicaid Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831 NORTH CAROLINA – Medicaid Website: https://medicaid.ncdhhs.gov/ Phone: 919-855-4100 NORTH DAKOTA – Medicaid Website: https://www.hhs.nd.gov/healthcare Phone: 1-844-854-4825 OKLAHOMA – Medicaid and CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742 OREGON – Medicaid and CHIP Website: http://healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075 PENNSYLVANIA – Medicaid and CHIP Website: https://www.pa.gov/en/services/dhs/apply-for-medicaidhealth-insurance-premium-payment-program-hipp.html Phone: 1-800-692-7462 CHIP Website: https://www.dhs.pa.gov/CHIP/Pages/CHIP.aspx CHIP Phone: 1-800-986-KIDS (5437) RHODE ISLAND – Medicaid and CHIP Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line) SOUTH CAROLINA – Medicaid Website: https://www.scdhhs.gov Phone: 1-888-549-0820

Legal Notices & Disclosures

SOUTH DAKOTA - Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059 TEXAS – Medicaid Website: https://www.hhs.texas.gov/services/financial/healthinsurance-premium-payment-hipp-program Phone: 1-800-440-0493 UTAH – Medicaid and CHIP Utah’s Premium Partnership for Health Insurance (UPP) Website: https://medicaid.utah.gov/upp/ Email: upp@utah.gov Phone: 1-888-222-2542 Adult Expansion Website: https://medicaid.utah.gov/expansion/ Utah Medicaid Buyout Program Website: https://medicaid.utah.gov/ buyout-program/ CHIP Website: https://chip.utah.gov/ VERMONT– Medicaid Website: https://dvha.vermont.gov/members/medicaid/hippprogram Phone: 1-800-250-8427 VIRGINIA – Medicaid and CHIP Website: https://coverva.dmas.virginia.gov/learn/premiumassistance/famis-select and https://coverva.dmas.virginia.gov/ learn/premium-assistance/health-insurance-premium-payment-hippprograms Medicaid/CHIP Phone: 1-800-432-5924 WISCONSIN – Medicaid and CHIP Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002 WYOMING – Medicaid Website: https://health.wyo.gov/healthcarefin/medicaid/programsand-eligibility/ Phone: 1-800-251-1269 To see if any other states have added a premium assistance program since March 17, 2027, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272) U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

INDIVIDUAL CREDITABLE COVERAGE DISCLOSURE NOTICE Important Notice from Devereux Advanced Behavioral Health About Your Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Devereux Advanced Behavioral Health 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. Devereux Advanced Behavioral Health has determined that the prescription drug coverage offered by the Devereux Health and Welfare Plan 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 Devereux Advanced Behavioral Health coverage will not be affected. If you do decide to join a Medicare drug plan and drop your current Devereux Advanced Behavioral Health coverage, be aware that you and your dependents will be able to get this coverage back.

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Legal Notices & Disclosures

IBX PRESCRIPTION PLAN FOR EPO PLAN INCLUDED WITH EPO PLAN ELECTION

IN-NETWORK ONLY

RETAIL PHARMACY (UP TO 90-DAY SUPPLY)

MAIL ORDER PHARMACY (UP TO 90-DAY SUPPLY)

GENERIC

15% and $5 minimum

PREFERRED BRAND

35% and $10 minimum

50%

NON-PREFERRED BRAND OUT-OF-POCKET MAXIMUM

Prescription drug accumulates to a separate out-of-pocket maximum: $4,830 for employee, $7,245 for employee + child, and $9,660 for family (includes employee + spouse/DP & employee + children) IBX PRESCRIPTION PLAN FOR THE HIGH DEDUCTIBLE HEALTH PLAN INCLUDED WITH HDHP MEDICAL PLAN ELECTION

IN-NETWORK ONLY

RETAIL PHARMACY (UP TO 90-DAY SUPPLY)

MAIL ORDER PHARMACY (UP TO 30-DAY SUPPLY)

75% after deductible; covered 100% after out-of-pocket maximum is met

GENERIC PREFERRED BRAND NON-PREFERRED BRAND 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 Devereux Advanced Behavioral Health and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. For More Information About This Notice Or Your Current Prescription Drug Coverage… Contact the person listed below for further information or call People Operations at 610-520-3000. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Devereux Advanced Behavioral Health changes. You also may request a copy of this notice at any time For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: • Visit www.medicare.gov • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).

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Legal Notices & Disclosures

PART A: GENERAL INFORMATION Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “onestop shopping” to find and compare private health insurance options in your geographic area. Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings that you’re eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs. Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12% of your annual household income, or if the coverage through your employment does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.

Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employment-based coverage. Also, this employer contribution -as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace. When Can I Enroll in Health Insurance Coverage through the Marketplace? You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15. Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan. There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage.

CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-8894325. What about Alternatives to Marketplace Health Insurance Coverage? If you or your family are eligible for coverage in an employmentbased health plan (such as an employer-sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan. Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https:// www.healthcare.gov/medicaid-chip/getting-medicaid-chip/ for more details. How Can I Get More Information? For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact People Operations. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or

2027 BENEFITS GUIDE

Legal Notices & Disclosures PART B: INFORMATION ABOUT HEALTH COVERAGE OFFERED BY YOUR EMPLOYER This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.

3. Employer Name Devereux Advanced Behavioral Health

4. Employer Identification Number 23-1390618

5. Employer Address 444 Devereux Drive

6. Employer phone number 610-520-3000

7. City Villanova

8. State PA

10. Who can we contact about Teammate health coverage at this job? People Operations

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11. Phone number (if different from above)

9. Zip Code 19085 12. Email address adelcarl@devereux.org

Notes

2027 BENEFITS GUIDE

This benefit guide provides selected highlights of the employee benefits program at Devereux. It is not a legal document and shall not be construed as a guarantee of benefits nor of continued employment at Devereux. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any information provided through this summary and the actual terms of such policies, contracts and plan documents shall be governed by the terms of such policies, contracts and plan documents. Devereux reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.