Vertical Health Services 2026 Benefits Guide 5-29

BENEFITS CONTACT INFORMATION

866-679-3054 www.unum.com/employees/Benefits/life-insurance

866-679-3054

866-679-3054 https://www.unum.com/employees/Benefits/disabil ity-insurance

866-679-3054 https://www.unum.com/employees/Benefits/disabil ity-insurance

866-679-3054

com/employees/Benefits/criticalillness-insurance

com Hailey Wiesemann 425-285-2305

hailey wiesemann@tpgrp com

INTRODUCTION

At Vertical Health Services, we’re proud to offer a comprehensive benefits program designed to support the health, well-being, and peace of mind of you and your family.

This guide provides a clear and easy-to-follow overview of your benefit options, including plan details, eligibility, and important enrollment information. More detailed plan documents are available in Employee Navigator if you’d like to explore your coverage in greater depth.

Our commitment goes beyond just offering benefits we strive to create a culture where employees feel supported, empowered, and equipped to make the best decisions for their health and future We believe that when our employees thrive, both personally and professionally, we all succeed and we’re excited to partner with you on that journey

2026 BENEFITS OVERVIEW AND CHANGES

Our benefits plan year begins on July 1, 2026 Below is a brief overview of the plans included in the benefits program

MEDICAL

Vertical Health Services partners with UMR, utilizing the UnitedHealthcare Choice Plus network, to provide your medical coverage giving you access to a broad, nationwide network of doctors, specialists, and hospitals To meet a variety of healthcare needs, Vertical Health Services offers multiple plan options for eligible employees and their dependents, including two High Deductible Health Plans (HDHPs) and one Preferred Provider Organization (PPO) plan. Each option is designed to provide flexibility and choice, so you can select the coverage that best fits your healthcare needs and budget.

PRESCRIPTION DRUG COVERAGE

2026 BENEFITS OVERVIEW

The plans included in the 2026 benefits program:

Medical / Pharmacy

Text Care

Voluntary Dental

Voluntary Vision

Health Savings Account (HSA)

Group Life and AD&D

Voluntary Life and AD&D

Voluntary Short-Term Disability

Voluntary Long-Term Disability

Employee Assistance Program

Supplemental Benefits

Pet Benefits

Your prescription drug coverage is administered through OptumRx, providing convenient and cost-effective access to medications You can fill prescriptions at a wide network of retail pharmacies or take advantage of mail-order service for long-term medications; specialty medications are coordinated through OptumRx Specialty Pharmacy Members can easily manage prescriptions, compare drug pricing, and locate in-network pharmacies through the OptumRx portal at www optumrx com or by calling customer service for assistance

NEW BENEFIT: ONE TO ONE HEALTH - TEXT CARE

We are excited to offer a new benefit to employees enrolled in our medical plans. Get convenient, high-quality healthcare right at your fingertips with One to One Health TextCare. This benefit provides 24/7 access to licensed healthcare providers simply by sending a text no appointments, no waiting rooms, and no cost to you. Employees can connect with providers for primary care, urgent needs, prescriptions, and ongoing care management anytime, anywhere. Even better, if you are enrolled in the medical plan, your dependents can also use TextCare at no cost even if they are not enrolled on the medical plan. This benefit was intentionally designed to provide free, upfront access to care, no matter what plan you select although this is especially valuable for those enrolled in the HSA plan

HEALTH SAVINGS ACCOUNT (HSA)

Vertical Health Services offers a Health Savings Account (HSA) through WEX to help employees save and pay for qualified medical expenses tax free when enrolled in a compatible high deductible health plan Funds roll over year to year and remain with you if you leave the company; contributions are made via payroll deduction, and additional details are available in the HSA section

VOLUNTARY DENTAL

Vertical Health Services partners with Unum for dental coverage, offering two plan options to fit your needs and budget Both plans use Unum’s network, with higher benefits in network; out of network care is reimbursed per plan provisions and may result in higher costs This is a voluntary benefit, and employees pay the full cost if elected Please refer to the dental section for details

VOLUNTARY VISION

Vertical Health Services partners with Unum for vision coverage, which provides access to the EyeMed network. Out of network services require claim submission to Unum and are reimbursed at set amounts. This is a voluntary benefit, and employees are responsible for the cost if elected.

GROUP LIFE AND AD&D

Vertical Health Services provides Group Life and Accidental Death & Dismemberment (AD&D) insurance through Unum to all benefit eligible employees at no cost. This coverage is designed to provide financial support for your beneficiaries in the event of death or a covered accident.

VOLUNTARY LIFE AND AD&D

Employees and their dependents have the option to purchase additional Life and AD&D coverage through Unum This voluntary benefit allows you to supplement the employer paid coverage with additional financial protection

VOLUNTARY SHORT-TERM

DISABILITY

Vertical Health Services offers voluntary Short Term Disability coverage through Unum to help protect your income during a temporary, non work related illness or injury This benefit replaces a portion of your paycheck if you are unable to work for a short period

VOLUNTARY

LONG-TERM DISABILITY

Voluntary Long Term Disability coverage through Unum provides income replacement if a serious illness or injury prevents you from working for an extended period Benefits begin after STD ends and replace a portion of your income

EMPLOYEE ASSISTANCE PROGRAM (EAP)

The Unum EAP offers support for personal, emotional, and work life challenges, including up to three in person counseling visits per issue annually at no cost; this benefit is fully employer paid.

SUPPLEMENTAL BENEFITS

Vertical Health Services partners with Unum to offer optional supplemental benefits, including Accident, Critical Illness, and Hospital Indemnity coverage. These plans provide additional financial protection to help cover unexpected expenses

NEW BENEFIT: PET INSURANCE

Protect your pets with our new voluntary Pet Insurance with Unum that helps cover accidents, illnesses, and routine care Enjoy added perks like 24/7 vet telehealth and prescription savings Visit any veterinarian with no network restrictions just pay at the visit, submit a claim, and receive reimbursement Premiums are conveniently payroll deducted

BENEFITS OVERVIEW

VISION

Unum Exam | Materials

Service Frequency

Preventive: No Charge Basic: 20% | Major: 50%

$10 Exam Copay | $25 Lenses Copay Material Allowance Up To $130 20% off remaining balance

Exams - Once every 12 months Lenses - Once every 12 months Frames - Once every 24 months SAVINGS

Health Savings Account

IRS Annual Max: $4,400 individual | $8,750 family (2026 maximum)

Vertical Health Services Contribution:

$100 per month toward HSA account for members enrolled in the Base HSA plan; $150 per month toward HSA account for members enrolled in the Buy Up HSA plan

Unum Life/AD&D Group Life/AD&D: Up to $100,000 Voluntary Life/AD&D: $10,000 increments to $500,000 or 5X annual salary

WHEN BENEFITS BEGIN/END

Must Work A Minimum of 30 Hours Per Week

Who Can Be On Your Plan?

New hire eligibility begins on the first of the month following 30 days of employment

Eligible Dependents

» Legally Married Spouse

» Natural | Adopted Children

» Disabled Child 26 Years Or Older

» Domestic Partner

Ineligible Dependents

» Divorced | Legally Separated Spouse

» Foster Children

» Siblings | Parents | Grandchildren

• Cobra will allow you to continue your current cobra eligible benefits for up to 18

• Cobra becomes effective retroactively to the

• You also have the option to enroll on the

EffectiveJuly1,2026

Discussprimaryandurgentcareneeds, chronicconditionmanagement,and routinemedicationneeds.

Getsupportfindinghigh-quality,highvaluespecialists.

Accessibleviatextmessageandvideo chat Simplysendusatextmessageto initiatecare.It’sthateasy!

Ifyouneedaccesstomedicalcare, TextCareprovidesaccesstoOneto OneHealthmedicalprovidersviatext message-24/7

Receivedirectaccessto on-demandhigh-qualitycare.

Appointmentsarenotrequired. Simplysendatexttoinitiatecare. TextCareisavailableatnocostto allVerticalHealthServicesmedical planparticipantsandtheir households.

FrequentlyAskedQuestions

Sendatextmessageto253-693-4630.Yourcare teamwillrespondwithin5minutes.Appointments arenotrequired,andthereisnoapptodownload.

Yourcareteamcanhelpwithanyhealthormedical questionandshouldbeyourfirstpointofcontact foranyissue.Evenifyourissuecannotberesolved virtually,thecareteamprovidesexpertcare navigationandwillreferyoutospecialtyproviders. WillmyTextCareteambeableto understandmyquestionorissueviatext?

Yes!Youcanchat,uploadpictures,orone-click intoavideovisitwithyourprovider.

YourTextCareproviderwillreferyoutohigh quality,low-costprovidersandspecialists.

WhatifIneedmedicationtotreat mydiagnosis?

YourTextCareprovidercanprescribemedication, andtheprescriptionwillbesenttoapharmacyof yourchoice.

Whatifmyinitialvisitrequiresafollow-up?

Yourcareteamwillreachoutviatextmessageto followupwithyou.

Manyurgentcareandemergencyroomvisits endupbeingunnecessary.TextCareisavailable toyou24/7andcanhelptriagethesituationto avoidalengthytriptotheER.However,we encourageyoutocall911orgototheERifyouare experiencingamedicalemergency.

Whoiseligibleforthisservice?Canmy familyuseTextCare?

Yes!TextCareisavailableatnocosttoall VerticalHealthServicesmedicalplan participantsandtheirhouseholds.Ifyou,your spouse,oryourdependenthasamedicalneed, pleasecontactTextCare.

No!Allpatientinformationisstrictlyconfidential TextCareismanagedbyOnetoOneHealth,a workplacehealthcareproviderheadquarteredin Chattanooga,Tennessee OnetoOneHealth complieswithallHIPAAandhealthcare regulationstomaintainyourprivacy,ensuring yourhealthinformationiskeptconfidential

BENEFIT GLOSSARY

The following definitions should help you understand your benefit plans Remember, you have access to In-Network and Out-of-Network providers

Our Medical, Dental and Vision network providers have contracted rates that can be much lower than Out-of-Network providers Your out of pocket expense may be lower by using In-Network providers

DEDUCTIBLE

The amount you pay out of your own pocket for healthcare services before your insurance starts sharing the cost.

CO-INSURANCE

The percentage of cost-sharing between what you and the insurance company must pay, after any applicable deductible has been met.

CO-PAY

The set dollar amount that you must pay to a provider when services are rendered

CALENDAR YEAR DEDUCTIBLE (CYD)

The amount you pay before co-insurance is paid

You only need to meet your deductible once per calendar year

CALENDAR YEAR OUT-OF-POCKET-MAXIMUM

The most you pay during a policy period (January 1st - December 31st) before your medical insurance begins to pay 100% of the allowed amount This limit never includes your premium, balance-billed charges or health care your health insurance or plan doesn’t cover. Some health insurance or plans don’t count all of your co-payments, out-of-network payments or other expenses toward this limit.

PROVIDER

Any facility, person, or entity recognized for payment by the insurance company

NETWORK

The group of providers who are approved for services and are available or treatment under the insurance company’s contract

OUTPATIENT

A patient who receives treatment at a hospital or outpatient facility without being admitted overnight

UNUSUAL, CUSTOMARY AND REASONABLE (UCR)

The determined going rate for like services in the same area. The insurance company’s co-insurance percentage that they pay is taken from the UCR amount for that service. You are responsible for your co-insurance percentage plus all of the amount that exceeds UCR. UCR is used only when services are provided by an Out-of-Network provider

MEDICAL & PRESCRIPTION: BASE HSA PLAN

Vertical Health Services offers a Base HSA Plan administered by UMR, designed to provide comprehensive coverage while helping keep payroll deductions lower This plan uses the UnitedHealthcare Choice Plus network, giving you access to a broad nationwide provider network With an HSA compatible design, this option allows you to pair your medical coverage with a Health Savings Account to help manage current and future healthcare expenses It’s a strong choice for those who want flexibility, provider choice, and tax advantaged savings

MEDICAL & PRESCRIPTION: BUY UP HSA PLAN

Vertical Health Services offers a Buy Up HSA Plan administered by UMR for employees seeking enhanced coverage with the advantages of an HSA This plan utilizes the UnitedHealthcare Choice Plus network, providing extensive access to doctors, specialists, and hospitals nationwide The Buy Up HSA Plan features richer benefits than the Base option while still allowing you to contribute to a Health Savings Account This option is ideal for those who want a balance of higher coverage, provider flexibility, and long term healthcare savings opportunities

HEALTH SAVINGS ACCOUNT (HSA)

HEALTH SAVINGS ACCOUNT (HSA)

Vertical Health Services offers a Health Savings Account (HSA) plan through WEX An HSA is an account owned by an individual used to pay for current and future medical expenses It is a tax advantaged account available to you if you are enrolled in the High-Deductible Health Plan

Vertical Health Services will contribute $100 per month to your HSA if you enroll in the Base HSA plan, or $150 per month if you enroll in the Buy Up HSA plan. HSA dollars can be used to cover your medical deductible or other qualified medical expenses.

You can use your HSA funds on qualified medical expenses, including:

Most medical care that is subject to your deductible (copays, coinsurance, doctor visits, inpatient or outpatient treatment, etc )

Prescription drugs

Over-the-counter drugs

Dental and vision care

Tax-free distributions can be taken for qualified medical expenses of:

Person covered by HDHP

Spouse of the individual (even if not covered by the HDHP)

Any dependent of the individual (even if not covered by the HDHP)

It may be necessary to prove to the IRS that HSA distributions were used for qualified medical expenses, so keep your receipts!

To be eligible to open and contribute to an HSA you must be:

Covered by a qualified HDHP

Not covered by any other health insurance

Not enrolled in Medicare benefits

Not enrolled in an FSA or Spouse’s FSA

Not claimed as a dependent on someone else’s tax return

The Internal Revenue Service (IRS) contributions for plan year beginning on or after January 1, 2026

Employee Only: $4,400

Family: $8,750

HSA Catch-up Contributions (not subject to adjustment for inflation) Age 55+: $1,000

Please note, Vertical Health Services’ contributions combined with your in contribution cannot exceed the IRS annual limits or you will be subject to t penalties. An HSA account is also yours to keep and take with you should change plans or leave Vertical Health Services. Any funds left in your HSA end of the year will roll over year to year with no caps or penalties, allowin to save for future medical expenses

MEDICAL & PRESCRIPTION: BUY UP PPO PLAN

Vertical Health Services offers the Buy Up PPO Plan administered by UMR for employees who prefer predictable costs and traditional plan features This plan uses the UnitedHealthcare Choice Plus network, offering access to a wide range of in network providers without the requirement to select a primary care physician With copay based benefits and no HSA requirement, the Buy Up PPO Plan provides simplicity and comfort for those who expect to use medical services more frequently It’s a great option for members who value convenience and upfront cost

MEDICAL BENEFIT PLAN COSTS

Vertical Health Services contributes toward the cost of medical coverage for employees enrolled in any of the three medical plan options (two HSA plans and one PPO plan) Additionally, Vertical Health Services pays 30% of the dependent premium for each enrolled dependent Employees are responsible for the remaining premium costs

Below please find the premium amounts that will be deducted from payroll on a bi-weekly basis (26 paychecks per year) All employee contributions will be deducted from payroll pre-tax, unless the employee has opted out of pre-tax deductions, or is covering a dependent that is not a Section 152 tax dependent*

Domestic Partner Coverage/Rates

A domestic partner is the person with whom you are registered as a domestic partner in the state in which you reside.

*Premiums for domestic partners and children of domestic partners, who may not qualify as IRS Section 152 tax dependents, will be calculated as additional compensation taxable to the employee and the employee share of these premiums will be paid on an after-tax basis

VOLUNTARY DENTAL BENEFITS

Vertical Health Services offers dental coverage through Unum, providing nationwide access to the Unum Dental PPO network This voluntary benefit includes both a Low Plan and a High Plan option, allowing you to choose the coverage that best fits your needs and budget, with employees responsible for the cost of coverage if elected

The following is a brief summary of the plan

Calendar Year Deductible $75 (Individual) $225 (Family)

Deductible: Waived for preventive Care Yes

Diagnostic & Preventive Care (exams, cleaning, x-rays)

Basic Restorative Care (fillings, simple oral surgery, endodontics)

Major (crowns, inlays, onlays)

Annual Maximum (per member)

$1,000 per enrolled plus rollover

$1,500 per enrolled plus rollover

Implants Covered under Major

Orthodontia (children to age 19)

To find in-network dental providers, visit www unumdentalcare com

Covered at 50% up to $1,000 Lifetime Maximum

*If you receive care from an in-network provider in the Unum Dental PPO network, you will generally have lower out-of-pocket costs If you choose an out-of-network provider, Unum will cover services at the same percentage as in-network care; however, the provider may balance bill you for amounts not covered by the plan Balance billing occurs when a provider charges more than the plan’s allowed amount and bills you for any charges that exceed Unum's Maximum Allowable Charge

PPO Dental network

Smile-worthy coverage, more choices, greater savings

Large National Network:

As a Unum Dental Member, you have the freedom to visit any dentist. Choosing an in-network dentist will provide you greater savings and a seamless experience.

Unum’s large and growing dental network extends from coast to coast offering convenient access to any dentist in our network. Visit unumdentalcare.com to find a dentist that is right for you and see your dental benefits go further.

Benefits of going in-network:

Savings Get more from your plan. By spending less, going in-network allows you to stretch your benefits further.

Quality of care All dentists in our network must meet and adhere to strict standards that ensure they possess the professional credentials, experience and training to provide the best quality care.

No claim forms Most in-network providers will file claims on your behalf, providing a seamless hassle-free experience.

How much can members save?

Dental costs vary from region to region, but Unum Dental members everywhere benefit two ways:

unumdentalcare.com

Manage your benefits

• Search for in-network dental providers

• Access the dental health center

• Log in to your member portal, where you can:

– Print ID cards

– View claim history

– Access coverage information

Find a network provider

• Click ”Search Now” in the “Find a Dental Provider” section located on the left-hand side.

• Select to search by dentist name or location (city/state/zip).

• Confirm the dentist’s name and address. Network dentists who practice at multiple offices may not be contracted in-network at every office. The network directory is updated monthly to reflect recently added providers and remove inactive ones.

Schedule your appointment

When scheduling your appointment, identify yourself as a “Unum Dental” member, and let the dental office know to check the network name and information on your member ID card. If your dentist doesn’t recognize their participation in the network, call our Contact Center at 1-888-400-9304 or email ProviderRelations@unum.com Please include the provider’s name, address, and phone number. Our team will be happy to reach out to the dentist.

We’re growing our network for you!

If your dentist is not in-network, please send their contact information to NetworkRecruiting@unum.com and our team of network recruiters will reach out to them.

VOLUNTARY VISION BENEFITS

Vertical Health Services offers access to a vision plan through Unum This voluntary benefit provides nationwide access to the EyeMed vision provider network, which offers higher benefit levels when you use in-network providers versus out-of-network providers, and employees are responsible for the cost of coverage if elected. ID cards are available digitally through the member portal; however, you typically do not need an ID card to receive care, as in-network providers can locate your benefits using your personal information. The following is a brief summary of this vision plan.

Exams (every 12 months)

(every 12 months)

copay

(every 24 months)

Contacts (every 12 months)

*If you choose to receive your care through a vision provider that is Out-of-Network, benefits are for reimbursement only; you must submit your own claims to Unum for reimbursement To find in-network vision providers, visit www unumvisioncare com and select the EyeMed Network

Your Unum Vision Insurance Powered by EyeMed

From mobile to visiting, make the most of your vision benefits

With Unum Vision Powered by EyeMed, you have

• The freedom to choose any brand of frame or contact lens offered by your provider

• Access to discounted pricing through the EyeMed Insight Network, featuring independent providers, popular national and regional chains and convenient online options

• Other members-only offers on eyewear, LASIK, hearing aids and more

• Emergency eyewear, access to providers and 24/7 support for vision-care problems outside the U.S. with our International Travel Solution

Get more through our website

Want to check your benefits? Find an eye doctor? Schedule an eye exam? Everything you need to manage your vision benefit is available 24/7 through our member portal at www.EyeMedVisionCare.com/Unum

It’s easy to get started:

1. Register and log in to the member portal at www.EyeMedVisionCare.com/Unum

2. Click on the tabs to

• View benefit details

• Confirm eligibility

• Check claim status

• Print a replacement ID card

• Schedule an appointment online

• Get health and wellness information

3. To locate an in-network provider, select “Find an eye doctor,” and enter your zip code to connect with eye health experts near you.

Boost your savings

When you register on the member portal, you’ll unlock special offers and extra savings on vision care and services up to date and visible just to registered users. Sign up and start saving!

Your Unum Vision Powered by EyeMed benefit tools are ready when and where you need them. Download the EyeMed members app to get started.

OPEN:

You can use some features right away; others unlock once you register.

REGISTER:

You’ll need your member ID or the last four digits of your Social Security number.

LOG IN: You’re done!

The EyeMed app makes it simple to access all your vision benefit resources:

• Benefits and eligibility

• Provider Locator to find in-network eye doctors

• Digital ID card

• Claims tracking

• Upcoming exam reminders

• Contact lens replacement reminders

• Wellness interactives to help members see and live their best

Have questions?

• Facial recognition, Touch ID® and Apple Wallet® for Apple ® users

• Special offers to help members save more

• Helpful FAQs

DENTAL AND VISION PLAN COSTS

All employee contributions will be deducted from payroll pre-tax, unless the employee has opted out of pre-tax deductions, or is covering a dependent that is not a Section 152 tax dependent

Domestic Partner Coverage/Rates

A domestic partner is the person with whom you are registered as a domestic partner in the state in which you reside.

*Premiums for domestic partners and children of domestic partners, who may not qualify as IRS Section 152 tax dependents, will be calculated as additional compensation taxable to the employee and the employee share of these premiums will be paid on an after-tax basis

HOW TO FIND A PROVIDER

Login to www umr com or visit www uhc com

Network: UnitedHealthcare Choice Plus

For UMR:

» Log in to your member portal

» Click on “Find a Provider”

» Enter “UnitedHealthcare Choice Plus” in the network search and select it

» Search by Location, Doctor, or Facility Name

MEDICAL | UMR

DENTAL | UNUM

VISION | UNUM

» Choose the doctor that works best for you based on your plan

For UHC:

» Click on “Find a doctor”

» Select “Search as a guest”

» Select “Employer & Individual Plans”

» Select “Choice Plus”

» Search by Location, Doctor, or Facility Name

» Choose the doctor that works best for you based on your plan

Go to www unumdental com Network: PPO

» Click on “Find a Dentist”

» Search by name of dentist or location

Go to www EyeMedVisionCare com/Unum Network: EyeMed Insight

» Register and log in to member portal

» Click “Find an eye doctor”

» Enter your zip code to find eye health experts near you

LIFE AND AD&D

BASIC LIFE INSURANCE AND AD&D

Vertical Health Services provides you with basic life and AD&D insurance at no cost to you through Unum

Benefits Payroll Taxes

Due to IRS regulations, employers who pay the full cost of group life insurance benefits for their employees must tax employees for benefits exceeding $50,000.

IRS Code 79 requires that these taxes be calculated using “Table 1 Rates.” These can be found on the IRS website. Please see below for an example of how this is calculated.

Taxable income is calculated by subtracting $50,000 from your total employer-paid life and AD&D coverage, dividing the remainder by $1,000, and multiplying by IRS age-based rates

Update your Beneficiary!

You are required to provide beneficiary information for your life insurance benefits This is typically completed during your initial enrollment; however, you should check and update your beneficiary information as often as possible In the event of your passing the last beneficiary listed on file will receive your benefit

VOLUNTARY LIFE INSURANCE AND AD&D

Additional Life and AD&D Insurance can be elected through Unum. Employees pay the entire cost of this benefit. If you elect an amount above the Guarantee Issue Amount listed below, or you have previously waived coverage and you are now electing, you will need to fill out an Evidence of Insurability form

NOTE: Group Term Life Insurance/AD&D, Supplemental Life/AD&D and Spouse benefits are reduced to 65% of your coverage amount at age 65, 40% at age 70, 25% at age 75, and 15% at age 80

DISABILITY

SHORT-TERM DISABILITY

Short-Term Disability (STD) coverage is available through Unum benefit-eligible employees on a voluntary, employee-paid basis

Benefit

60% of your weekly earnings up to a maximum of $1,500 per week

Duration 13 weeks

Benefits Begin Illness: 1st day Accident: 8th day

VOLUNTARY LONG-TERM DISABILITY

Unum’s Long-Term Disability (LTD) coverage is available to all benefiteligible employees on a voluntary, employee-paid basis

Benefit

60% of your earnings up to a maximum of $5,000 per month

Duration ADEA I (age based duration schedule) Waiting Period 90 days

WHAT IS DISABILITY INSURANCE?

As its name suggests, disability insurance is a type of insurance product that provides income in the event that you are prevented from working and earning an income due to a disability. Short-Term Disability policies cover disabilities lasting for a short term, usually less than 13 weeks Long -Term Disability policies cover disabilities usually lasting longer than 13 weeks, lasting until Social Security Normal Retirement Age, or according to the benefit duration schedule included in your policy

VOLUNTARY SUPPLEMENTAL BENEFITS

Supplemental insurance plans are a valuable way for employees to protect their future by combining the convenience of payroll deductions with competitive group rates These voluntary benefits enable employees to customize their insurance package to meet their specific needs They are appropriate for single as well as married individuals and these benefits may be continued upon termination of employment

ACCIDENT INSURANCE

Accident Insurance provides off-the-job coverage and can supplement existing medical coverage It is designed to help covered employees pay the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic Lump sum benefits are paid directly to the employee based on the amount of coverage listed in the schedule of benefits

CRITICAL ILLNESS INSURANCE

WHY CHOOSE VOLUNTARY BENEFITS ?

Critical Illness Insurance is designed to help employees offset the financial effects of a catastrophic illness by paying a lump sum benefit if an insured person is diagnosed with a covered critical illness (including Cancer). The Critical Illness benefit can help with out-of-pocket medical expenses such as copays and deductibles, treatment not covered by your medical plan, and you mortgage payment You may elect a $30,000 benefit for yourself and your spouse Child coverage is included at 50% of the employee’s elected benefit amount

HOSPITAL INDEMNITY INSURANCE

Hospital Indemnity Insurance is designed to help provide financial protection for covered individuals by paying a benefit when covered individual is hospitalized, and in some cases, for treatment occurs outside the hospital Employees can use the benefit to pay the outof-pocket expenses and extra bills that can occur due to hospitalization Lump sum benefits are paid directly to the employee based on the amount of coverage listed, regardless of the actual cost of treatment

Supplemental insurance plans are a valuable way for employees to protect their future by combining the convenience of payroll deductions with competitive group rates These benefits enable employees to customize their insurance package to meet their specific needs They are appropriate for single as well as married individuals and these benefits may be continued upon termination of employment Please refer to the summaries below for additional details on the plans available to you.

WELLNESS BENEFITS

The Accident and Critical Illness plans include a $50 Health Screening Benefit paid annually to all covered persons who complete an annual preventative health screening Please refer to the Benefit Summaries for qualified health screenings

Group Accident Insurance

How does it work?

Accident Insurance provides a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur off the job. And it includes a range of incidents, from common injuries to more serious events.

Why is this coverage so valuable?

It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles. You’ll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire. You’ll be billed directly.

Who can get coverage?

You If you’re actively at work*

Your spouse Can get coverage as long as you have purchased coverage for yourself.

Your children Dependent children from birth until their 26th birthday, regardless of marital or student status.

*Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. See Schedule of benefits for a complete listing of what is covered.

How much does it cost?

What’s included?

Be Well Benefit

Every year, each family member who has Accident coverage can also receive $50 for getting a covered Be Well screening test, such as:

• Annual exams by a physician include sports physicals, well-child visits, dental and vision exams

• Screenings for cancer, including pap smear, colonoscopy

• Cardiovascular function screenings

• Screenings for cholesterol and diabetes

• Imaging studies, including chest X-ray, mammography

• Immunizations including HPV, MMR, tetanus, influenza

Organized Sports Benefit

Each family member that has Accident coverage is eligible for a 25% increase in payable benefits within the Injury and Treatment schedule of benefit categories. See disclosures and schedule of benefits for more information.

Group Critical Illness Insurance

How does it work?

If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.

Why should I buy coverage now?

• It’s more accessible when you buy it through your employer and the premiums are conveniently deducted from your paycheck.

• Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home.

Be Well Benefit

Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, such as:

• Annual exams by a physician include sports physicals, wellchild visits, dental and vision exams

• Screenings for cancer, including pap smear, colonoscopy

• Cardiovascular function screenings

Who can get coverage?

• Screenings for cholesterol and diabetes

• Imaging studies, including chest X-ray, mammography

• Immunizations including HPV, MMR, tetanus, influenza

Why is this coverage so valuable?

• The money can help you pay out-of-pocket medical expenses, like deductibles.

• You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of any critical illness with the exception of skin cancer. The reoccurrence benefit can pay 100% of your coverage amount. Diagnoses must be at least 180 days apart or the conditions can’t be related to each other.

What’s covered?

Critical Illnesses

• Heart attack

• Stroke

• Major organ failure

• End-stage kidney failure

• Sudden cardiac arrest

Cancer conditions

• Invasive cancer — all breast cancer is considered invasive

• Non-invasive cancer (25%)

• Coronary artery disease

Major (50%): Coronary artery bypass graft or valve replacement Minor (10%): Balloon angioplasty or stent placement

You: Choose $10,000, $20,000 or $30,000 of coverage with no medical underwriting to qualify if you apply during this enrollment.

Your spouse: Spouses can only get 100% of the employee coverage amount as long as you have purchased coverage for yourself.

Your children:

Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome, spina bifida, type 1 diabetes, sickle cell anemia and congenital heart disease. The diagnosis must occur after the child’s coverage effective date.

• Amyotrophic Lateral Sclerosis (ALS)

• Dementia, including Alzheimer’s disease

• Multiple Sclerosis (MS)

• Parkinson’s disease

• Functional loss

• Huntington’s Disease

• Lupus

• Muscular Dystrophy

• Myasthenia Gravis

• Systemic Sclerosis (Scleroderma)

• Addison’s Disease

• Loss of sight, hearing or speech

• Benign brain tumor

• Coma

• Permanent Paralysis

• Occupational HIV, Hepatitis B, C or D

• Occupational PTSD Paid at 25%

• Infectious Diseases

• Pulmonary Embolism

• Transient Ischemic Attack (TIA)

• Bone Marrow/Stem Cell

Group Hospital Insurance

How does it work?

Group Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness or childbirth.

Why is this coverage so valuable?

• The money is payable directly to you — not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles.

• You get accessible rates when you buy this coverage at work.

• The cost is conveniently deducted from your paycheck.

• The benefits in this plan are compatible with a Health Savings Account (HSA).

• You may take the coverage with you if you leave the company or retire. You’ll be billed directly.

Group Hospital Insurance can pay benefits that help you with the costs of a covered hospital visit.

Who can get coverage?

You: If you’re actively at work.

Your spouse: Can get coverage as long as you have purchased coverage for yourself.

Your children: Dependent children newborn until their 26th birthday, regardless of marital or student status

Employee must purchase coverage for themselves in order to purchase spouse or child coverage. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage.

How

much

does it cost?

Innovation, integrity and an unwavering s has our customer commitment to helped us become a global leader in financial protection benefits.

EMPLOYEE ASSISTANCE PROGRAM (EAP)

Vertical Health Services is committed to supporting your overall health and well being. In addition to your other benefits, Vertical Health Services offers an Employee Assistance Program (EAP) through Unum at no cost to you. This confidential resource is designed to support you and your family with a wide range of personal, emotional, and work life needs

Through Unum’s EAP, you have access to up to three counseling visits with a licensed professional, as well as 24/7 phone support Additional services include legal and financial guidance, identity theft support, assistance with child and elder care, wellness resources, stress management tools, and help with balancing work and life responsibilities EAP services are confidential and will not be shared with your employer

To access the EAP, visit www unum com/lifebalance or call 1 800 854 1446

PET INSURANCE

Vertical Health Services will now be offering Unum Pet Insurance, administered by Nationwide®, to provide flexible and affordable coverage for dogs, cats, birds, and exotic pets. Employees can access care from any licensed veterinarian worldwide. For enrollment or questions, visit login.unum.com or call 1-844-208-1105 and mention your employer.

100% voluntary and employee-paid

Freedom to visit any licensed veterinarian, including specialists and emergency providers

Fast and simple reimbursement process after submitting claims

Coverage available for accidents, illnesses, and optional wellness care

No annual re-enrollment required policies automatically renew each year

Pre-existing conditions are not covered

Help, when you need it most

With your Employee Assistance Program and Work/Life Balance services, confidential assistance is as close as your phone or computer.

Employee Assistance Program (EAP)

Your EAP is designed to help you lead a happier and more productive life at home and at work. Call for confidential access to a Licensed Professional Counselor* who can help you.

A Licensed Professional Counselor can help you with:

• Stress, depression, anxiety

• Relationship issues, divorce

• Anger, grief and loss

Work/Life Balance

• Job stress, work conflicts

• Family and parenting problems

• And more

You can also reach out to a specialist for help with balancing work and life issues. Just call and one of our Work/Life Specialists can answer your questions and help you find resources in your community.

Ask our Work/Life Specialists about:

• Child care

• Elder care

• Financial services, debt management, credit report issues

Who is covered?

• Identity theft

• Legal questions**

• Even reducing your medical/dental bills!

• And more

Unum’s EAP services are available to all eligible partners and employees, their spouses or domestic partners, dependent children, parents and parents-in-law.

Not available in all states

*The counselors must abide by federal regulations regarding duty to warn of harm to self or others. In these instances, the consultant may be mandated to report a situation to the appropriate authority.

**State-mandated limitations for legal services in WA apply.

Always by your side

• Expert support 24/7

• Convenient website

• Monthly webinars

• Medical Bill SaverTM

• Short-term help helps you save

• Referrals for on medical bills additional care

Help is easy to access

Online and Phone support: Unlimited, confidential, 24/7

In-person: You can get up to 3 visits, available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support. Secure, HIPAA -compliant video EAP sessions for those who may prefer the use of technology to receive the service; video counseling services are in lieu of face -toface sessions.

Employee Assistance Program –Work/Life Balance

Toll-free 24/7 access:

• 1-800-854-1446

• www.unum.com/lifebalance

Turn to us when you don't know where to turn.

The Work-life balance employee assistance program, provided by HealthAdvocate, is available with select Unum insurance offerings. Terms and availability of service are subject to change. Service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid after coverage terminates. Please contact your Unum representative for details.

Don’t forget this travel essential!

Pack your worldwide emergency travel assistance phone number and leave travel worries at home.

If you experienced a medical emergency while traveling, would you know whom to call?

Whenever you travel 100 miles or more from home to another country or just another city be sure to pack your worldwide emergency travel assistance phone number. Travel assistance speaks your language, helping you locate hospitals, embassies and other “unexpected” travel destinations. Add the number to your cell phone contacts, so it’s always close at hand. Just one phone call connects you and your family to medical and other important services 24 hours a day.

Use your travel assistance phone number to access:

• Hospital admission assistance*

• Emergency medical evacuation

• Prescription replacement assistance

• Transportation for a friend or family member to join a hospitalized patient

• Care and transport of unattended minor children

• Assistance with the return of a vehicle

• Emergency message services

• Critical care monitoring

• Emergency trauma counseling

• Referrals to Western-trained, English-speaking medical providers

• Legal and interpreter referrals

• Passport replacement assistance

With the Assist America Mobile App, you can:

• Call Assist America’s Operation Center from anywhere in the world with the touch of a button.

• Access pre -trip information and country guides.

• Search for local pharmacies (U.S. only).

• Download a membership card.

• View a list of services.

• Search for the nearest U.S. embassy.

• Read Assist Alerts.

Download and activate the app today from the Apple® App Store or Google PlayTM.

Reference Number: 01-AA-UN-762490

24/7 services anywhere in the world

24/7 services anywhere in the world

Unum travel assistance services are provided by Assist America, Inc., a leading provider of global emergency assistance services through employee benefit plans. Assist America’s medically certified personnel are ready to help 24 hours a day, 365 days a year, and can connect you with pre-qualified, English-speaking and Western-trained medical providers anywhere in the world.

Travel assistance FAQs

Whether traveling for business or pleasure, one phone call connects you to:

Which countries can I travel to?

• Multilingual, medically certified crisis management professionals

Assist America’s services have no geographical Unum travel assistance services are provided exclusions. Its worldwide network stands ready to help by Assist America, Inc., a leading provider of wherever your travels take you. global emergency assistance services through employee benefit plans. Assist America’s

• A state-of-the-art global response operations center

• Qualified medical providers around the world

Is my family covered? medically certified personnel are ready to

Travel assistance FAQs

Your spouse and dependent children up to age 19 (or help 24 hours a day, 365 days a year, and the age specified by your medical plan) are covered ** can connect you with pre-qualified, Englishspeaking and Western-trained medical

Which countries can I travel to?

Assist America’s services have no geographical exclusions. Its worldwide network stands ready to help wherever your travels take you.

Are pre-existing conditions excluded? providers anywhere in the world. No. Whether your medical emergency is the result of a new or pre-existing condition, Assist America’s trained representatives will help you find qualified medical care and facilities.

Is my family covered?

What about sports-related injuries?

Your spouse and dependent children up to age 19 (or the age specified by your medical plan) are covered.**

Are pre-existing conditions excluded?

Whether you’ve been involved in recreational Whether traveling for business or or extreme sporting, worldwide emergency pleasure, one phone call connects travel assistance will provide support for all your you to: medical needs.

• Multilingual, medically certified crisis management professionals

You can access travel assistance services through the phone number on your travel assistance wallet card. If you have misplaced your card, contact your human resources department and ask for a replacement.

If you need travel assistance anywhere in the world, contact us day or night.

Who pays for the services I use if I have a travel

No. Whether your medical emergency is the result of a new or pre-existing condition, Assist America’s trained representatives will help you find qualified medical care and facilities.

• A state-of-the-art global response emergency? operations center

Assist America arranges and pays for 100% of the

about sports-related injuries?

• Qualified medical providers around services the company provides, with no caps or chargethe world backs to either you or your employer. But you must call Assist America first you can’t be reimbursed for services you arrange on your own.*

Within the U.S. 1-800-872-1414

Outside the U.S. (U.S. access code) +609-986-1234

Via e-mail: medservices@assistamerica.com

Whether you’ve been involved in recreational or extreme sporting, worldwide emergency travel assistance will provide support for all your medical needs.

Who pays for the services I use if I have a travel emergency?

Assist America arranges and pays for 100% of the services the company provides, with no caps or chargebacks to either you or your employer. But you must call Assist America first you can’t be reimbursed for services you arrange on your own.*

Provided by Nationwide®

Embracing wellness for employees and their pets

As a leader in leave and disability benefits, Unum is committed to supporting your employees and their families through life’s moments — and that includes the health of their treasured pet companions.

That’s why we’re thrilled to now offer Unum Pet Insurance to our customers. We hope this newly available benefit will provide your employees with the protection and care their pets deserve for a happy and healthy life, which can result in increased engagement and loyalty for your business.

Unum Pet Insurance is provided by Nationwide,® the nation’s leading pet insurance provider.1 With this popular plan, we’re able to present enhanced voluntary benefits packages that support your employees and their treasured companions. After all, having a pet can provide an abundance of joy and comfort, but it can also cause concern and stress when unexpected veterinary bills arise.

42% of pet owners are at risk of debt for a $1,000 emergency vet visit.2

78% of pet owners would consider going into debt for their pet, especially for a medical emergency.3

Employees can reduce pet-expense worries with coverage for their furry, scaly or feathered companions by enrolling during open enrollment. Plus, if they add a new pet to the family throughout the year, they can enroll them at that time. Employees enrolled will enjoy these benefit features:

Access any licensed vet, anywhere

• Unlimited 24/7 access to veterinary telehealth

• Savings with Petco veterinary services, including full veterinary hospitals, vaccination clinics and more

• Savings on pet prescriptions at participating pharmacies like Walmart and Sam’s Club

• Coverage available for certain accidents, injuries, illnesses, diagnostics, surgeries, hospitalizations, wellness, lost pet, pet mortality and support with boarding and kenneling

Broad and flexible coverage options

Available only through workplace benefit programs, Unum Pet Insurance offers flexibility for pet families. Employees can choose a plan design to meet individual needs. After a small deductible, the plan will cover a percentage of eligible expenses up to an annual maximum.

Offering Unum Pet Insurance can help you:

• Increase employee engagement by offering benefits they want

• Help employees manage the costs of taking care of their pets

• Build loyalty with pet-owning employees

COBRA AND CONTINUATION OF COVERAGE

YOUR COBRA RIGHTS

If you leave Vertical Health Services, certain insurance coverages which have been provided may be continued Should you decide to continue coverage, continuation will become effective when your current plan normally would have terminated. For additional information please refer to your plan booklet. The following coverages are eligible to be continued under COBRA:

1 Group Medical Insurance

2 Group Dental Insurance

3.Group Vision Insurance

COBRA NOTICES AND FURTHER INFORMATION

It is very important that you notify your employer regarding any change in status such as: change in address, eligibility for Medicare, divorce or legal separation of the employee and spouse, or a dependent child’s losing eligibility for coverage as a dependent child. For changes in address or eligibility for Medicare, you must notify your employer immediately. For divorce, separation, and coverage of dependent children, you must notify your employer within 60 days of the change in status.

If you or a qualifying family member have any questions about notices provided to you by your employer, or questions about COBRA, please contact your employer representative below

Pamela Foland

417-664-4751

15406 Meridian Ave E Ste 201 Puyallup, Washington 98375

NOTICES, SPECIAL RIGHTS, & PRIVACY

SPECIAL ENROLLMENT RIGHTS

If you are declining enrollment for yourself or your dependents due to other coverage, you may be able to enroll later if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards it) if you request enrollment within 30 days If you have a new dependent because of marriage, birth, adoption or placement for adoption, you may also be able to enroll later if you request enrollment within 30 days of the event To request special enrollment, or obtain more information about your Special Enrollment Rights, contact Human Resources.

PRIVACY POLICY

You are entitled to receive an explanation of how your personally identifiable health information will be used and disclosed. For example, a physician or hospital is required to provide you with a Notice of Privacy Practices at your first visit. You will be required to sign an acknowledgment indicating that you received the Notice of Privacy Practices. If you have health insurance coverage, the insurance company or health plan will also provide you with a Notice of Privacy Practices immediately after you are enrolled in the plan It is important that you read the Notice of Privacy Practices to understand your rights and know who to contact if you feel your privacy rights have been violated Contact Human Resources for a copy of our health plans’ Notice of Privacy Practices

WOMEN’S HEALTH AND CANCER RIGHTS ACT

The Women’s Health and Cancer Rights Act (WHCRA), signed into law on October 21, 1998, contains protections for patients who elect breast reconstruction in connection with a mastectomy

WHCRA applies to the medical plans and requires coverage for reconstructive surgery in a manner determined in consultation with the attending physician and the patient Mastectomy benefits must include coverage for:

Reconstruction of the breast on which the mastectomy was performed

Surgery and reconstruction of the other breast to produce a symmetrical appearance

Prostheses and physical complications at all stages of mastectomy, including lymphedemas

Under WHCRA, mastectomy benefits may be subject to annual deductibles and coinsurance consistent with those established for other benefits under the plan or coverage.

The law also prohibits plans and issuers from denying patients eligibility or continued eligibility to enroll or renew coverage under the plan to avoid the requirements of WHCRA, and prohibits plans and issuers from providing incentives or penalizing physicians to induce them to provide care in a manner inconsistent with the WHCRA

NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT OF 1996

The Newborns’ Act and its regulations provide that health plans and insurance issuers may not restrict a mother’s or newborn’s benefits for a hospital length of stay that is connected to childbirth to less than 48 hours following a vaginal delivery or 96 hours following a delivery by cesarean section However, the attending provider (who may be a physician or nurse midwife) may decide, after consulting with the mother, to discharge the mother or newborn child earlier

The Newborns’ Act and its regulations prohibit incentives (either positive or negative) that could encourage less than the minimum protections under the Act as described above

A mother cannot be encouraged to accept less than the minimum protections available to her under the Newborns’ Act and an attending provider cannot be induced to discharge a mother or newborn earlier than 48 or 96 hours after delivery

All group health plans that provide maternity or newborn infant coverage must include a statement in their summary plan description (SPD) advising individuals of the Newborns’ Act requirements.

Please refer to your medical Summary Plan Description for details or call your Plan Administrator for more information. Please be aware that to add a newborn dependent to the plan, you would need to submit your enrollment change application to Payroll within 30 days of the event.

GENETIC INFORMATION NONDISCRIMINATION ACT OF 2008

The Genetic Information Nondiscrimination Act of 2008 (GINA) prohibits discrimination in group health plan coverage based on genetic information and expands the genetic information protections included in the Health Insurance Portability and Accountability Act of 1996 (HIPAA)

GINA provides that group health plans and health insurance issuers cannot base premiums for an employer or a group of similarly situated individuals on genetic information (however, premiums may be increased for the group based upon the manifestation of a disease or disorder of an individual enrolled in the plan)

GINA also generally prohibits plans and issuers from requesting or requiring an individual to undergo a genetic test However, a healthcare professional providing healthcare services to an individual is permitted to request a genetic test Additionally, genetic testing information may be requested to determine payment of a claim for benefits, although the regulations make clear that the plan or issuer may request only the minimum amount of information necessary to determine payment.

GINA also prohibits a plan from collecting genetic information (including family medical history) prior to or in connection with enrollment, or for underwriting purposes. Thus, under GINA, plans and issuers are generally prohibited from offering rewards in return for collection of genetic information, including family medical history information collected as part of a Health Risk Assessment (HRA).

GENERAL REMINDERS

Health and welfare benefits are not vested benefits and are subject to change at the sole discretion of your employer Vertical Health Services reserves the sole and exclusive right to alter, reduce or eliminate any pay practice, policy or benefit at any time and without advance notice except as required by law Please do not enroll dependents that are not eligible for our benefit plans To knowingly do so will result in their termination from the benefit plans, your repayment of benefits paid, and possible disciplinary actions Every effort has been made to assure that the information provided in this benefit summary is accurate In all cases, however, the benefit plans will be administered to accordance with the governing plan documents, insurance contracts, or Company policies These documents are available to plan participants upon your request

Health Insurance Marketplace Coverage Options and Your Health Coverage

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 "one-stop 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%1 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. 12

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.

1 Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.

2 An employer-sponsored or other employment-based health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services.

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.

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 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 1-855-889-4325.

What about Alternatives to Marketplace Health Insurance Coverage?

If you or your family are eligible for coverage in an employment-based 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/gettingmedicaid-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

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.

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.

Here is some basic information about health coverage offered by this employer:

• As your employer, we offer a health plan to:

All employees. Eligible employees are:

Some employees. Eligible employees are:

• With respect to dependents:

We do offer coverage. Eligible dependents are:

We do not offer coverage.

If checked, this coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages.

** Even if your employer intends your coverage to be affordable, you may still be eligible for a premium discount through the Marketplace. The Marketplace will use your household income, along with other factors, to determine whether you may be eligible for a premium discount. If, for example, your wages vary from week to week (perhaps you are an hourly employee or you work on a commission basis), if you are newly employed midyear, or if you have other income losses, you may still qualify for a premium discount.

If you decide to shop for coverage in the Marketplace, HealthCare.gov will guide you through the process. Here's the employer information you'll enter when you visit HealthCare.gov to find out if you can get a tax credit to lower your monthly premiums.

The information below corresponds to the Marketplace Employer Coverage Tool. Completing this section is optional for employers, but will help ensure employees understand their coverage choices.

13. Is the employee currently eligible for coverage offered by this employer, or will the employee be eligible in the next 3 months?

Yes (Continue)

13a. If the employee is not eligible today, including as a result of a waiting or probationary period, when is the employee eligible for coverage? (mm/dd/yyyy) (Continue) No (STOP and return this form to employee)

14. Does the employer offer a health plan that meets the minimum value standard*? Yes (Go to question 15) No (STOP and return form to employee)

15. For the lowest-cost plan that meets the minimum value standard* offered only to the employee (don't include family plans): If the employer has wellness programs, provide the premium that the employee would pay if he/ she received the maximum discount for any tobacco cessation programs, and didn't receive any other discounts based on wellness programs.

a. How much would the employee have to pay in premiums for this plan? $

b. How often? Weekly

If the plan year will end soon and you know that the health plans offered will change, go to question 16. If you don't know, STOP and return form to employee.

16. What change will the employer make for the new plan year?

Employer won't offer health coverage

Employer will start offering health coverage to employees or change the premium for the lowest-cost plan available only to the employee that meets the minimum value standard.* (Premium should reflect the discount for wellness programs. See question 15.)

a. How much would the employee have to pay in premiums for this plan? $

b. How often? Weekly

NOTICE OF PRIVACY PRACTICES

VERTICAL HEALTH SERVICES, LLC

15406 MERIDIAN AVE E STE 201

PUYALLUP, WASHINGTON 98375

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.

This Notice of Privacy Practices (the “Notice”) describes the legal obligations of VERTICAL HEALTH SERVICES, LLC (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) and the Health Information Technology for Economic and Clinical Health Act (HITECH Act). 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, PHI is health information, including demographic information, collected from you or created or received by a health care provider, a health care clearing house, a health plan, or your employer on behalf of the group health plan from which it is possible to individually identify you and that relates to:

• 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 see the contact information at the bottom of this notice.

EFFECTIVE DATE

This Notice is effective July 1, 2026.

OUR RESPONSIBILITIES

We are required by law to:

• maintain the privacy of your protected health information;

• provide you with certain rights with respect to 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 make the new provisions regarding your protected health information that we maintain, as allowed or required by law. If we make a material change to this Notice, we will provide you with a copy of our revised Notice of Practices.

HOW WE MAY USE AND DISCLOSE YOUR PROTECTED HEALTH INFORMATION

PRIMARY USES AND DISCLOSURES OF PROTECTED HEALTH INFORMATION

Under the law, we may use or disclose your protected health information under certain circumstances without your permission. 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. [Use this section when the plan is involved in rendering medical services.]

• 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 and abuse detection programs; business planning and development such as cost management; and business management and general Plan administrative activities. However, we will not use your genetic information for underwriting purposes.

• Treatment Alternatives or Health-Related Benefits and Services

We may use and disclose your protected health information to send you information about treatment alternatives or other health-related benefits and services that might be of interest to you.

•

To Business Associates

We may contract with individuals and 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 the services, our Business Associates will receive, create, maintain, transmit, use, and/or disclose 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 process your claims for Plan benefits or to provide support services, such as utilization management, subrogation, or pharmacy benefit management, but only after the Business Associate enters into a Business Associate contract with us.

• 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 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 without your specific authorization. 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 after your death 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.

• Military

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.

• Workers’ Compensation

We may release your protected health information for workers’ compensation or similar programs, but only as authorized by, and to the extent necessary to comply with, laws relating to workers’ compensation and similar programs that provide benefits for workrelated injuries or illness.

• Public Health Activities

We may disclose your protected health information for public health activities. These activities 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; and

• 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 involved in a legal dispute, but only if efforts have been made to tell you about the request or to obtain a court or administrative 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 circumstance, 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.

• 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 health care; (2) to protect your health and safety and 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:

• 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 U.S. 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 also are required to provide, upon your request, an accounting of most disclosures of your protected health information that are for reasons other than payment, treatment, or health care operations, and if the protected health information was not disclosed pursuant to your individual authorization.

OTHER DISCLOSURES

• 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:

• 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

Subject only to limited exceptions, we will send all mail to you. This includes mail that relates to your spouse and other family members who are covered under the Health Plan, and includes mail with information on the use of Health Plan benefits by the employee’s spouse and information on the denial of any Health Plan benefits to the employee’s spouse and other family members. If we agree to your request regarding Confidential Communications below, we will send mail as provided by the request.

• Authorizations

Other uses or disclosures of your protected health information not described above will only be made after obtaining your written authorization. For example, subject to specific conditions, we will not use or disclose psychiatric notes about you; we will not use or disclose your protected health information for marketing; and we will not sell your protected health information. You may revoke your authorization at any time, so long as

you make the revocation in writing. Any revocation of authorization will only be effective as to future authorizations. It will not affect the authorizations as to any information that was used or disclosed in reliance upon your prior authorization.

SPECIAL PROTECTIONS FOR SUBSTANCE USE DISORDER RECORDS (42 CFR PART 2)

Some health information we receive is subject to additional federal confidentiality protections under a law called 42 CFR Part 2 (“Part 2”). These protections apply to certain records relating to the diagnosis, treatment, or referral for treatment of a substance use disorder (SUD) that are received from a Part 2 program or from a provider that has received such records from a Part 2 program.

How Part 2 Records May Be Used or Disclosed

When Part 2 applies:

• Records relating to substance use disorder treatment may only be used or disclosed as permitted by federal law and regulations, including for treatment, payment, and health care operations, or with your written consent, except in limited circumstances allowed by law.

• Part 2 records are subject to stricter confidentiality protections than other protected health information under HIPAA.

Limits on Use in Legal Proceedings

Records protected by Part 2, and testimony related to those records, generally may not be used or disclosed to initiate or substantiate criminal, civil, administrative, or legislative proceedings against you without your specific written consent or a court order that meets the requirements of Part 2.

Interaction with Other Laws

If a use or disclosure of your protected health information is restricted by Part 2 or another federal or state law that is more protective than HIPAA, we will comply with the more protective law.

Fundraising Communications

If we use protected health information for fundraising purposes, you have the right to opt out of receiving fundraising communications. We will not condition treatment or benefits on your choice to opt out. If substance use disorder records subject to Part 2 are involved, we will comply with the additional restrictions imposed by Part 2.

Your Rights

Your rights with respect to substance use disorder records include the same HIPAA rights described elsewhere in this Notice, subject to the additional protections and limitations imposed by Part 2.

Not all health information we maintain is subject to 42 CFR Part 2; these additional protections apply only when required by law.

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 that may be used to make decisions about your Plan benefits. If the information you request is maintained electronically, and you request an electronic copy, we will provide a copy in the electronic form and format you request, if the information can be readily produced in that form and format; if the information cannot be readily produced in that form and format, we will work with you to come to an agreement on form and format. If we cannot agree on an electronic form and format, we will provide you with a paper copy.

To inspect and copy your protected health information, you must submit your request in writing to the contact information at the bottom of this notice. 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 will generally respond to your request within 30 days after it is received, and if we need additional time to process your request we will let you know during the initial 30day period.

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 the contact located at the bottom of this notice.

•

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 your 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 the contact at the bottom of this notice. In addition, you must provide a reason that supports your request.

We will generally respond to your request within 60 days. 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 a right to an “accounting” of certain disclosures of your protected health information. The accounting will not include (1) disclosures for purpose 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 the contact at the bottom of this notice. Your request must state the time period you want the accounting to cover, which may not be longer than six years before the date of the request. 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 the time before any costs are incurred.

• Right to Request Restrictions

You have the right to request a restriction or limitation on your 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 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 a health plan for purposes or 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 in full by you or another person.

To request restrictions, you must make your request in writing to the contact at the bottom of this notice. In your request, you must tell us (1) what information you want to limit; (2) whether you want to limit our use, disclosure, or booth; 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 the contact at the bottom of this notice. 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.

• 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.

• Right to Receive 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, [insert URL of website].

To obtain a paper copy of this notice, please see the contact information at the bottom of this notice.

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.

VERTICAL HEALTH SERVICES, LLC

15406 MERIDIAN AVE E STE 201 PUYALLUP, WASHINGTON 98375

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.

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 January 31, 2026. Contact your State for more information on eligibility –

ALABAMA – Medicaid

Website: http://myalhipp.com/ Phone: 1-855-692-5447

ARKANSAS – Medicaid

Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)

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

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

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

FLORIDA – Medicaid

Website: https://www.flmedicaidtplrecovery.com/flmedicaidtplrecover y.com/hipp/index.html

Phone: 1-877-357-3268

GEORGIA – Medicaid

GA HIPP Website: https://medicaid.georgia.gov/healthinsurance-premium-payment-program-hipp

Phone: 678-564-1162, Press 1

GA CHIPRA Website: https://medicaid.georgia.gov/programs/third-partyliability/childrens-health-insurance-program-reauthorizationact-2009-chipra

Phone: 678-564-1162, Press 2

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

IOWA – Medicaid and CHIP (Hawki) KANSAS – Medicaid

Medicaid Website: Iowa Medicaid | Health & Human Services

Medicaid Phone: 1-800-338-8366

Hawki Website:

Hawki - Healthy and Well Kids in Iowa | Health & Human Services

Hawki Phone: 1-800-257-8563

HIPP Website: Health Insurance Premium Payment (HIPP) | Health & Human Services (iowa.gov)

HIPP Phone: 1-888-346-9562

Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884

HIPP Phone: 1-800-967-4660

KENTUCKY – Medicaid LOUISIANA – 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

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

MINNESOTA – Medicaid

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

Louisiana Medicaid Website: https://www.ldh.la.gov/healthy-louisiana Medicaid Customer Service Line: 1-888-342-6207

Louisiana Medicaid email: healthy@la.gov

Louisiana Health Insurance Premium Program (LaHIPP)

Website: https://www.ldh.la.gov/lahipp

LaHIPP phone: 1-877-697-6703

LaHIPP email: La.HIPP@la.gov

LaHIPP fax: 1-888-716-9787

LaHIPP mailing address: 100 Crescent Centre Parkway, Suite 1000 Tucker, GA 30084

MASSACHUSETTS – Medicaid and CHIP

Website: https://www.mass.gov/masshealth/pa Phone: 1-800-862-4840

TTY: 711

Email: masspremassistance@accenture.com

MISSOURI – Medicaid

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

Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP

Phone: 1-800-694-3084

Email: HHSHIPPProgram@mt.gov

Website: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633

Lincoln: 402-473-7000 Omaha: 402-595-1178

NEVADA – Medicaid NEW HAMPSHIRE – Medicaid

Medicaid Website: http://dhcfp.nv.gov

Medicaid Phone: 1-800-992-0900

Website: https://www.dhhs.nh.gov/programsservices/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

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)

Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831

Website: https://medicaid.ncdhhs.gov/ Phone: 919-855-4100

OKLAHOMA – Medicaid and CHIP

Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

Website: https://www.hhs.nd.gov/healthcare Phone: 1-844-854-4825

OREGON – Medicaid and CHIP

Website: http://healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075

PENNSYLVANIA – Medicaid and CHIP RHODE ISLAND – Medicaid and CHIP

Website: https://www.pa.gov/en/services/dhs/apply-formedicaid-health-insurance-premium-payment-programhipp.html

Phone: 1-800-692-7462

CHIP Website: Children's Health Insurance Program (CHIP) (pa.gov)

CHIP Phone: 1-800-986-KIDS (5437)

SOUTH CAROLINA – Medicaid

Website: https://www.scdhhs.gov Phone: 1-888-549-0820

Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line)

SOUTH DAKOTA - Medicaid

Website: http://dss.sd.gov Phone: 1-888-828-0059

NEW JERSEY – Medicaid and CHIP

NEW YORK – Medicaid

NORTH CAROLINA – Medicaid

NORTH DAKOTA – Medicaid

TEXAS – Medicaid UTAH – Medicaid and CHIP

Website: Health Insurance Premium Payment (HIPP) Program | Texas Health and Human Services

Phone: 1-800-440-0493

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 VIRGINIA – Medicaid and CHIP

Website: Health Insurance Premium Payment (HIPP) Program | Department of Vermont Health Access Phone: 1-800-250-8427

WASHINGTON – Medicaid

Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022

WISCONSIN – Medicaid and CHIP

Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002

Website: https://coverva.dmas.virginia.gov/learn/premiumassistance/famis-select https://coverva.dmas.virginia.gov/learn/premiumassistance/health-insurance-premium-payment-hipp-programs Medicaid/CHIP Phone: 1-800-432-5924

WEST VIRGINIA – Medicaid and CHIP

Website: https://dhhr.wv.gov/bms/ http://mywvhipp.com/

Medicaid Phone: 304-558-1700

CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)

WYOMING – Medicaid

Website: https://health.wyo.gov/healthcarefin/medicaid/programs-andeligibility/ Phone: 1-800-251-1269

To see if any other states have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, contact either:

U.S Department of Labor

U.S. Department of Health and Human Services Employee Benefits Security Administration Centers for Medicare & Medicaid Services www.dol.gov/agencies/ebsa www.cms.hhs.gov 1-866-444-EBSA (3272) 1-877-267-2323, Menu Option 4, Ext. 61565

Paperwork Reduction Act Statement

According to the Paperwork Reduction Act of 1995 (Pub L 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number See 44 U.S.C 3507 Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number See 44 U.S.C 3512

The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137.

OMB Control Number 1210-0137 (expires 1/31/2026)

Important Notice from Vertical Health Services 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 Vertical Health Services Health Plan and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. Vertical Health Services Health Plan has determined that the prescription drug coverage offered 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 15 to December 7.

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.

CMS Form 10182-CC

Updated April 1, 2011

According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-0990. The time required to complete this information collection is estimated to average 8 hours per response initially, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.

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 Vertical Health Services Health Plan coverage may or may not be affected.

If you do decide to join a Medicare drug plan and drop your current Vertical Health Services Group Health Plan coverage, be aware that you and your dependents may or may not be able to get this coverage back.

When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?

You should also know that if you drop or lose your current coverage with Vertical Health Services 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 November to join.

For More Information About This Notice Or Your Current Prescription Drug Coverage…

Contact the person listed below for further information. 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 Vertical Health Services Group Health Plan 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

CMS Form 10182-CC

Updated April 1, 2011

According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-0990. The time required to complete this information collection is estimated to average 8 hours per response initially, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.

• 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).

Date: July 1, 2026

Name of Entity/Sender: Vertical Health Services

Address: 15406 Meridian Ave E Ste 201, Puyallup, Washington 98375

Phone Number: 417-664-4751

CMS Form 10182-CC

Updated April 1, 2011

According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-0990. The time required to complete this information collection is estimated to average 8 hours per response initially, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.