2026 Endeavors Benefits Booklet-Hawaii

What’s Inside Introduction

We know you work hard every day to achieve your personal and professional goals. Since your health and wellness are key to meeting these goals, we are pleased to offer a comprehensive benefits package that supports your health, mind and body. May you always be Working Towards Wellness!

Read this guide to learn more about these and other benefits. You may only enroll for or make changes to your benefits during Open Enrollment or when you have a Qualifying Life Event (see page 4).

Date Your New Benefits Begin: July

1, 2026

Availability of Summary Health Information

Your benefits program offers one medical plan option through HMSA . For additional information about this plan, please review the Summary of Benefits and Coverage (SBC) available from the Total Rewards Team.

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please see page Important Notices for more details.

Important Contacts

Eligibility

Who is Eligible for Benefits

Eligibility

Enrollment

Coverage Begins

• Regular, full-time employee

• Working an average of 30 or more hours per week

• Enroll within 31 days from date of hire

• First of the month following date of hire

Qualifying Life Events

• Regular, full-time employee

• Working an average of 30 or more hours per week

• Enroll during Open Enrollment (OE) or when you have a Qualifying Life Event (QLE)

• OE: Start of the plan year

• QLE: Date of event

Dependent(s)

Your legal spouse

• Child(ren) under age 26, regardless of student, dependency, or marital status

• Child(ren) over age 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return

• During OE or for a QLE

• When covering dependents, you must enroll for and be on the same plans

• You must submit supporting documentation for dependents within 60 days of enrollment or your dependent will be dropped from coverage.

• Based on OE or QLE effective dates

You may only change coverage during the plan year if you have a Qualifying Life Event, such as:

If you experience a Qualifying Life Event, you must contact the Total Rewards Team within 31 days of the event.

Significant

in

How to Enroll

Select Employee 2. Enter your username, password, and the last four digits of your Social Security number. Then select Log In

3. Select 2026 Benefit Enrollment under My Benefits. 4. Select Start Enrollment

5. Update your personal information and add your dependents.

6. Make your benefit election(s) and click Enroll or Decline

7. The Benefit Plan Selection Review screen will appear. Please review your benefit elections. Once you are satisfied with your elections, check Complete Enrollment, then confirm by clicking OK

8. When you are ready to complete your enrollment, click Sign and Submit

Medical Coverage

Protects you and your family from major financial hardship in the event of illness or injury.

Preferred Provider Organization (PPO)

A PPO allows you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use non-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other network services are covered at the deductible and coinsurance level.

About This Coverage

HMSA CompMED PPO Plan – This plan has a $0 deductible for individual/family. Copays and coinsurance begins immediately without having to reach a deductible.

• Visit www.hmsa.com

• Call 800-776-4672

Medical Benefits Summary

Prescription Drugs – Retail Up to a 30-day supply

• Tier 1 – Generic drugs

• Tier 2 – Preferred drugs

• Tier 3 – Non-preferred drugs

• Tier 4 – Preferred specialty drugs

• Tier 5 – Non-preferred specialty drugs

Prescription Drugs – Mail Order Up to a 90-day supply

• Tier 1 – Generic drugs

• Tier 2 – Preferred drugs

• Tier 3 – Non-preferred drugs

HMSA Resources

Member Portal

Access your plan details at www.hmsa.com, your personalized member website. Once you register for an account, you can:

• Find care and compare costs for in-network providers and services.

• Check your plan balances, view your claims, and access your health plan ID card.

• Access wellness programs and view clinical recommendations.

• Get 24/7 access to board-certified doctors via virtual visits.

Silver&Fit Healthy Aging and Exercise Program

When you enroll in an HMSA Medicare Advantage plan, you may receive a no-cost or discounted fitness center membership. If you prefer to work out at home, choose one Home Fitness Kit each benefit year and access online exercise videos.

Program Highlights

• Healthy Aging Coaching: One-on-one phone sessions covering fitness, nutrition, brain health, and lifestyle topics

• Activity Tracking and Rewards: Sync with 250+ wearable devices and fitness apps to track activity and earn rewards

• Group Exercise Classes: Yoga, dance, strength, cardio, tai chi, fall prevention, and more

• Online Workouts: Daily classes on Facebook Live and YouTube plus 8,000+ digital workouts

• Personalized Fitness Plan: Complete a short online questionnaire to get started

• Member Education: Articles, videos, and quarterly newsletters focused on healthy aging

• Engagement Rewards: Earn items such as hats and collectible pins

Questions?

Call 808-948-6235 or 800-693-4672, Monday–Friday, from 8:00 am to 8:00 pm HT.

Mobile App

Download the HMSA’s online care app to:

• Find nearby in-network care.

• See your claim details and view progress toward your deductible.

• View and share your health plan ID card with your doctor’s office.

• Video chat with a doctor 24/7 via virtual visits.

Register once to access both tools.

HMSA Well-being Programs

HMSA offers a variety of programs and resources to help employees support their physical, mental, and overall well-being – many available at little or no cost.

Visit www.hmsa.com/well-being to learn more.

LIFESTYLE AND WELLNESS RESOURCES

• Complementary Care: Discounts on therapeutic massage, acupuncture, and chiropractic services through American Specialty Health Group, Inc.

• Blue Cross Blue Shield Global Core: Access care on the Mainland and worldwide

• Fitness and wellness discounts:

• Active&Fit Direct discounted gym memberships

• ChooseHealthy savings on fitness gear and wellness products

• HMSA365 member savings on healthy living services

• Island Scene Magazine: Health and wellness articles available in print and online

HEALTH SUPPORT AND EVERYDAY CARE

• Caregiver support resources

• MinuteClinic locations in select Longs Drugs stores (O‘ahu)

• Find a Doctor tool on hmsa.com

• Hawai‘i Tobacco Quitline (800-QUIT-NOW) for tobacco cessation support

• Health coaching to help members reach wellness goals

• HMSA Online Care virtual visits from anywhere in Hawai‘i

• My Account member portal for claims and plan information

• Urgent care clinics for non-emergency medical needs

MEDICAL AND CONDITION SUPPORT

• Advance care planning resources

• Condition Care and chronic condition support programs

• Diabetes education and management resources

• Behavioral Health Program with counseling support and referrals

• Care Access Assistance Program for eligible specialty care travel

• Pregnancy and Postpartum Support Program

• Supportive Care for serious illness management

• Ornish Lifestyle Medicine program for heart health and risk reduction

PREVENTIVE CARE AND HEALTHY LIVING

• Annual PCP visits and preventive screenings available at little or no cost

• Health education workshops

• Diabetes Prevention Program for eligible members

• Worksite well-being programs promoting healthy habits

To learn more, visit www.hmsa.com/well-being

Travel Resources

CARE ACCESS ASSISTANCE PROGRAM

Employees who need to travel for medical treatment may be eligible for financial assistance if care isn’t available— or isn’t available soon enough—from a participating provider on their home island.

Through HMSA and the Blue Cross Blue Shield network, members and eligible family members can also access care on the Mainland and in nearly 170 countries and territories worldwide, including more than 1.4 million doctors and hospitals.

• Visit www.bcbs.com to find a doctor or hospital on the Mainland.

• Visit www.bcbsglobalcore.com to search for providers when traveling internationally.

• Call 844-357-0726

• Download the Blue Cross Blue Shield Global Core mobile app

Health Care Options

Becoming familiar with your options for medical care can save you time and money.

HEALTH CARE PROVIDER

Non-Emergency Care

Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed

Telemedicine

24 hours a day, 7 days a week

Generally, the best place for routine preventive care; established relationship; able to treat based on medical history

• Allergies

• Cough/cold/flu

• Rash

• Stomachache

• Infections

• Sore and strep throat

• Vaccinations

• Minor injuries/sprains/strains

Doctor’s Office

Office hours vary

Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies

Retail Clinic

Hours vary based on store hours

When you need immediate attention; walk-in basis is usually accepted

Generally includes evening, weekend and holiday hours

• Common infections

• Minor injuries

• Pregnancy tests

• Vaccinations

15 minutes

• Sprains and strains

• Minor broken bones Small cuts that may require stitches

• Minor burns and infections

Urgent Care

Freestanding ER

Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility

24 hours a day, 7 days a week

Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher

24 hours a day, 7 days a week

Note: Examples of symptoms are not inclusive of

• Chest pain

• Difficulty breathing

• Severe bleeding

• Blurred or sudden loss of vision

• Major broken bones

• Most major injuries except trauma

• Severe pain

4+ hours

Varies

Dental Coverage

Helps

maintain fresh breath, healthy gums and teeth, and other dental work.

DPPO Plan

Two levels of benefits are available with the two DPPO plans: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.

Find an In-Network Provider

Call 800-620-4672

Visit www.hmsadental.com/find-a-dentist

Download the HMSA’s Online Care Mobile app

Dental Benefits Summary

Vision Coverage

Our vision plans offer quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plans will pay the highest level of benefits when you see in-network providers. Coverage is provided through UHC using the EyeMed vision network.

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Flexible Spending Accounts

Allow you to set aside pretax dollars from each paycheck to pay for certain IRSapproved health and dependent care expenses. We offer two Flexible Spending Accounts, administered by Proficient Benefit Solutions: a Health Care FSA and a Dependent Care FSA.

Health Care FSA

The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. Eligible expenses include:

• Dental and vision expenses

• Medical deductibles and coinsurance

• Prescription copays

• Hearing aids and batteries

You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).

Endeavors’ 2026 Contribution Limit

The annual maximum amount you may contribute for reimbursement to the Health Care FSA is $2,000. You are entitled to the full election from day one of your plan year.

Important FSA Rules

• The maximum per plan year you can contribute to a Health Care FSA is $2,000 The maximum per plan year you can contribute to a Dependent Care FSA is $7,500 when filing jointly or head of household and $3,750 when married filing separately.

• You cannot change your election during the year unless you experience a Qualifying Life Event.

• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.

• You can continue to file claims incurred during the plan year for another 90 days (up until April 1, 2027).

• You can carry over up to $500 in your Health Care FSA into the next plan year. The carryover rule does not apply to your Dependent Care FSA.

• Employees are able to enroll in FSA without electing medical coverage.

• No changes can be made unless a qualifying life event has occurred.

Refer to page 15 for a list of qualified FSA expenses

HOW TO PAY OR GET REIMBURSED

You can access the funds in your FSAs two different ways:

• Use your FSA debit card – for health care costs only – to pay for qualified expenses, doctor visits, and prescription copays.

• Pay out-of-pocket and submit your receipts for reimbursement:

• Fax – 210-659-8171

• Email – proficient@alegeus.com

• Online – www.proficientbenefits.com

Flexible Spending Accounts

Dependent Care FSA

The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school fulltime. You can use the account to pay for daycare or babysitter expenses for your children under age 13, and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you (and your spouse, if married) must be gainfully employed, looking for work, a full-time student, or incapable of self-care.

Plan Comparison

Most medical, dental, and vision care expenses that are not covered by your health plan, such as:

• Copayments

• Coinsurance

• Deductibles

• Glasses

• Doctor-prescribed over-the-counter medications

DEPENDENT CARE FSA CONSIDERATIONS

• Overnight camps are not eligible for reimbursement (only day camps can be considered).

• If your child turns age 13 midyear, you may only be reimbursed for the time the child was under age 13.

• You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care.

• The dependent care provider cannot be your child under age 19, or anyone claimed as a dependent on your income taxes.

• Saves on eligible expenses not covered by insurance

• Reduces your taxable income

Qualified FSA Expenses

Shows some medical expenses that are eligible for payment under your Health Care FSA.

• Abdominal supports

• Acupuncture

• Air conditioner (when necessary for relief from difficulty in breathing)

• Alcoholism treatment

• Ambulance

• Anesthetist

• Arch supports

• Artificial limbs

• Autoette (when used for relief of sickness/disability)

• Blood tests

• Blood transfusions

• Braces

• Cardiographs

• Chiropractor

• Contact lenses

• Convalescent home (for medical treatment only)

• Crutches

• Dental treatment

• Dental X-rays

• Dentures

• Dermatologist

• Diagnostic fees

• Diathermy

• Drug addiction therapy

• Drugs (prescription)

• Elastic hosiery (prescription)

• Eyeglasses

• Fees paid to health institute prescribed by a doctor

• FICA and FUTA tax paid for medical care service

• Fluoridation unit

• Guide dog

• Gum treatment

• Gynecologist

• Healing services

• Hearing aids and batteries

• Hospital bills

• Hydrotherapy

• Insulin treatment

• Lab tests

• Lead paint removal

• Legal fees

• Lodging (away from home for outpatient care)

This list is not all-inclusive; additional expenses may qualify and the items listed may change in accordance with IRS regulations. Refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for complete details.

• Metabolism tests

• Neurologist

• Nursing (including board and meals)

• Obstetrician

• Operating room costs

• Ophthalmologist

• Optician

• Optometrist

• Oral surgery

• Organ transplant (including donor’s expenses)

• Orthopedic shoes

• Orthopedist

• Osteopath

• Oxygen and oxygen equipment

• Pediatrician

• Physician

• Physiotherapist

• Podiatrist

• Postnatal treatments

• Practical nurse for medical services

• Prenatal care

• Prescription medicines

• Psychiatrist

• Psychoanalyst

• Psychologist

• Psychotherapy

• Radium therapy

• Registered nurse

• Special school costs for the handicapped

• Spinal fluid test

• Splints

• Surgeon

• Telephone or TV equipment to assist the hard-of-hearing

• Therapy equipment

• Transportation expenses (relative to health care)

• Ultraviolet ray treatment

• Vaccines

• Vitamins (if prescribed)

• Wheelchair

• X-rays

Life and AD&D Insurance

Provides your loved ones with a financial safety net after your death and/or after an accident that causes loss of life, limb, or function.

Life and Accidental Death and Dismemberment (AD&D) insurance is important to your financial security, especially if others depend on you for support or vice versa. With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies).

Basic Life and AD&D is provided through HMSA . Additional Voluntary Life and AD&D is available to purchase, through Lincoln Financial

Basic Life and AD&D

Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $15,000 for each benefit.

Voluntary Life and AD&D

If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).

Designating a Beneficiary

A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).

Employee

Spouse

Child(ren)

Employee

• Increments of $10,000

• This amount may not exceed the lesser of five times annual earnings rounded to the next higher $10,000 or $500,000

• Increments of $5,000

• This amount may not exceed the lesser of one times Employee’s annual earnings rounded to the next higher $5,000 or $250,000

• At least one day to six months: $250

• Six months to 26 years: $10,000

New Hire Guaranteed Issue

• $250,000

Spouse • $50,000

Age Reduction

35% reduction at age 70, an additional 25% reduction of the original amount at age 75, an additional 15% of the original amount at age 80. Benefits end when you retire.

1Spouse rate is based on Employee’s age. 2Total cost for child/ren is not calculated by “per $1,000”.

Disability Insurance

Provides partial income protection if you are unable to work due to a covered accident or illness.

We provide Short Term Disability (STD) and Long Term Disability (LTD) at no cost to you through Lincoln Financial

Employer-paid Short Term Disability

STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy, or non-work-related injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is jobrelated, it is considered workers’ compensation, not STD.

Short Term Disability Benefits

If you were temporarily unable to work, would you be able to cover your bills?

Employer-paid Long Term Disability

LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 180 days. Benefits begin at the end of an elimination period and continue while you are disabled up to maximum benefit period.

Long Term Disability Benefits

Supplemental Benefits

Complements our traditional health care programs and pays you directly for unexpected health care costs.

Accident Insurance

Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details.

Protect Your Savings

Health insurance covers medical bills, but if you have an emergency, an accident, or a hospital stay, you may have a lot of unexpected out-ofpocket costs to pay. Protect your savings with additional coverage from Lincoln Financial

Hospital Indemnity Insurance

The Hospital Indemnity plan helps you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay. Unlike traditional insurance which pays a benefit to the hospital or doctor, this plan pays you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work. See the plan document for full details.

Supplemental Benefits

Critical Illness Insurance

Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. See the plan document for full details.

Full Coverage

Heart attack, stroke, major organ failure, end stage renal failure, invasive cancer, AIDS, Alzheimer’s, Parkinson’s, Lou Gehrig’s, COPD, severe burns, permanent paralysis, traumatic brain injuries

Partial Coverage

Arterial/vascular disease, non-invasive cancer (in situ), advanced multiple sclerosis, benign brain tumor, loss of sight, hearing, and/or speech

$10,000, or $15,000 (up to 100% of the employee coverage amount)

Legal Services and ID Theft Protection

Legal Services

If you need legal guidance on family matters, small claims court issues, and other legal matters, work with local plan attorneys through LegalShield . Put a law firm in the palm of your hand with LegalShield. Get legal consultation on these types of issues:

• Family (adoption, eldercare, juvenile court, prenuptial agreements)

• Financial (affidavits, consumer protection, tax audit and collection service, bankruptcy)

• Home (boundary or title disputes, deeds, foreclosure, mortgages)

• Estate planning (probate, trusts, wills and codicils, living wills)

• Auto (driver’s license restoration, moving traffic violations, motor vehicle property damage)

• General (24/7 emergency access, document review, demand letters and phone calls on your behalf, consultations)

CONTACTS

• Call 800-654-7757

• Visit https://shieldbenefits.com/endeavors

• Download the LegalShield app

ID Theft Protection

Norton LifeLock provides advanced identity theft protection, device security, and privacy tools to help protect you and your family in today’s increasingly connected world.

• Identity Alerts and Credit Monitoring – Get notified if suspicious activity is detected, such as new accounts, credit card use, or data breaches tied to your personal information.

• Device Security – Protect your smartphones, tablets, and computers from hackers, malware, and unsafe websites with Norton’s advanced security tools.

• Norton Secure VPN – Encrypts your internet connection to help keep your online activity, browsing history, and webcam private – especially on public Wi-Fi.

• Parental Control – Monitor your child’s search history and online activity to support safer, more responsible internet use.

• Million Dollar Protection Package – Covers up to $1 million in stolen funds, personal expenses, and expert legal support if your identity is compromised.

• Dark Web Monitoring – Scans the dark web for your personal information and alerts you if your data is found.

CONTACT LIFELOCK

• Visit www.lifelock.com

• Call 800-607-9174

• Download the LifeLock Identity by Norton app.

Employee Assistance Programs

Help you and family members cope with a variety of personal or work-related issues.

The Employee Assistance Programs (EAPs) from SupportLinc and Lincoln Financial’s EmployeeConnect (through ComPych’s GuidanceResources) help you and family members cope with a variety of personal and work-related issues. The two programs provide confidential counseling and support services at little or no cost to you to help with:

• Relationships

• Work/life balance

• Stress and anxiety

• Will preparation and estate resolution

• Grief and loss

• Childcare and eldercare resources

• Substance abuse

Explore Mindstream

Mindstream is a virtual fitness studio for your mind available through SupportLinc with live and on-demand sessions to help you strengthen your life skills and emotional health. Engage with sessions anytime and anywhere. Return daily to track progress and discover new releases.

Contact the EAPs

SUPPORTLINC

• Visit www.supportlinc.com

• Call 888-881-5462

• Download the SupportLinc app

EMPLOYEECONNECT

• Visit www.guidanceresources.com

• Call 888-628-4824

• Download the GuidanceNow app Use username LFGSupport and password LFGSupport1.

Chaplain Care Service

Marketplace Chaplains is a 24/7 confidential personal support service available to you and your immediate family members for help with life issues and crisis events. Receive personalized, brief, regularly scheduled visits during challenging times – or upon request – without interfering with work. Get help with issues like:

• Stress

• Parenting

• Marriage

• Financial concerns

• Addictions

• Aging parents

• Serious illness

• Grief

You do not have to be involved in any religious organization to use the service. Chaplains do not promote a particular religious organization or proselytize.

Chaplains can visit you at the workplace or, at your invitation, meet you at a neutral site away from your workplace or your home. Chaplains can also visit hospitals or provide care for grief, family deaths, and funerals.

Confidentiality Statement

Information is kept confidential except if a law is being broken, life is in jeopardy, a child or dependent adult is abused, or if harm to the goodwill of the company is involved.

How to Get Started

Download the MyChap app and enter the Location ID number for the Endeavors company: 121176

QUESTIONS?

• Visit www.mchapusa.com .

• Call 210-269-8442

• Email Philip Vick at philipvick@mchapusa

Additional Benefits

Lincoln Financial provides the following programs at no additional cost.

Travel Assistance

On Call International offers TravelConnect services to give you timely help and support when you travel. These benefits are available 24/7 and apply if you are 100 or more miles from home.

• Arrange travel if you are injured and need to be taken for help.

• Plan and pay for evacuations due to natural disasters or threats.

• Board or return pets.

• Transport mortal remains.

CONTACT THE TRAVEL ASSISTANCE PROGRAM

On Call International must manage all the planning. Add this contact information to your phone or computer so you have easy access to support when you need it:

• Visit https://myoncallportal.com and enter Group ID LFGTravel123

• Call 866-525-1955 within the USA or Canada; call 603-328-1955 from all other locations.

• Email mail@oncallinternational.com

• Recover lost or stolen items.

• Get translation/interpreter services.

• Replace medical devices or eyewear.

• Deliver medications.

These programs are included with your Lincoln Financial Life/AD&D coverage at no cost!

Support for Life, Estate, and Beneficiaries

LifeKeys, provided by Lincoln Financial through ComPsych, offers comprehensive support and free services for you and your Life insurance beneficiaries.

• Prepare a will.

• Protect your identity.

• Get support and resources on a wide variety of issues.

CONTACT LIFEKEYS

• Visit www.guideanceresources.com (web ID = LifeKeys).

• Call 855-891-3684

401(k) Retirement Plan

Helps you be more financially secure in your retirement.

How the Retirement Plan Works

Our 401(k) plan through Transamerica can help you reach your investment goals.

You are eligible to participate in the plan if you are age 18 or older, effective the first day of the month after 90 days of employment. You may contribute up to the annual IRS limit.

You may direct your contributions to any of the investments offered within the company 401(k) plan. You decide how much you want to contribute, and you can change your contribution amount anytime. All changes are effective as soon as administratively feasible, and remain in effect until you update or stop your contributions. You also decide how to invest the assets in your account, and you may change your investment choices anytime. For more details, refer to your 401(k) Enrollment Guide.

Enrollment

You are auto enrolled at 2% of your paycheck. You can enroll online at https://transamerica.com/portal/home or by calling 800-401-8726. You can make changes anytime after you have received your first check.

Employer Safe Harbor Matching Contributions

Endeavors will make a safe harbor matching contribution equal to 100% of the first 3% of eligible pay that you contribute to the plan. In addition, Endeavors will also match 50% of your contributions that exceed 3% of your eligible pay up to a maximum of 6% of your eligible pay.

Vesting

You are always 100% vested in your own contributions. You are also automatically 100% vested in company safe harbor matching contributions from the start.

Investment Options

You may direct your contributions to any of the investments offered within the company 401(k) plan. Changes to your investments can be made by calling 800-401-8726.

Emergency Transport

MASA Medical Transport Solutions (MASA MTS) provides affordable emergency air and ground transportation coverage if you or your family members need emergency medical transport. MASA MTS works with your insurance or Medicare to cover costs not paid by your plan.

MASA MTS

1United States only.

2United States, Canada.

3United States, Canada, Mexico, the Caribbean (excluding Cuba), the Bahamas, and Bermuda.

4Worldwide coverage to include any region, with the exclusion of Antarctica and not prohibited by U.S. law or under certain U.S. travel advisories as long as the member has provided at least a 10-day notice.

QUESTIONS?

• Visit www.masamts.com

• Call 800-643-9023

• Download the MASA Global app

Important Notices

Health Care Laws

Here’s an overview of health care laws that may affect your employees’ health plan and you as an employer.

The information in this section is for general informational purposes and shouldn’t be construed as legal advice. It may not reflect current legal developments or address your specific situation. To understand all the laws that apply to you, we encourage you to seek the advice of independent legal counsel.

Affordable Care Act

The Affordable Care Act (ACA)was passed by Congress and then signed into law by President Barack Obama March 23, 2010. On June 28, 2012, the Supreme Court rendered a final decision to uphold the health care law.

To provide Americans with better health security, the ACA mandates comprehensive health insurance reforms that are intended to expand coverage, hold insurance companies accountable for administrative costs, lower health care costs, guarantee greater choice in coverage, and enhance the quality of care. The Department of Health and Human Services is the primary federal agency tasked with carrying out the ACA and issuing its regulations.

Hawaii Prepaid Health Care Act

This state law requires employers to offer health care benefits to their employees who work a minimum of four consecutive weeks at 20 or more hours a week.

For an A status plan, the employer must pay at least half of the premiums for the employee and the employee is responsible for the balance. The employee’s portion, however, can’t exceed 1.5% of their gross monthly wage.

Employers aren’t required to cover the cost of premiums for employees’ dependents if the plan is an A status plan, but if they have a B status plan, they’re required to cover at least half the premium costs of the employee as well as their dependents. The employer also has the option of paying more or all of the health plan premiums. If the employee waives medical coverage, the employee must complete and submit an HC-5 waiver form to the employer. The employer must then file the document with the Hawaii Department of Labor and

Industrial Relations. This exemption is binding for one year and must be renewed every Dec. 31.

If the employee is hospitalized or otherwise prevented from working because of illness, the employer will continue paying the same amount toward the employee’s premium that was paid before the employee was prevented from working.

To find out how long an employer must continue to pay premiums of a hospitalized or ill employee who is unable to work, please contact the Hawaii Department of Labor and Industrial Relations.

ERISA

The Employee Retirement Income Security Act (ERISA) of 1974 as amended requires all employers who have 100 or more employees to file an annual plan report with the U.S. Department of Labor and to provide participants with a summary of the annual report. This annual summary is in addition to the formal summary plan description that each participant receives after becoming a participant.

All ERISA plans, regardless of size, must prepare and distribute an SPD to participants. For more information, contact the U.S. Department of Labor.

COBRA

The Consolidated Omnibus Budget Reconciliation Act (COBRA) was signed into law April 7, 1986. This provision applies to employer groups who had 20 or more employees for at least 50% of the previous calendar year. Employees are counted on a full- time equivalent basis, which means that part-time employees are counted as a fraction of a full-time employee based on the number of hours worked.

Employers must offer continued group health plan benefits for an amount no greater than 102% of the premiums, which may be at the employee’s expense. Coverage must be made available for 18 months to employees who have a reduction in work hours, voluntarily leave employment, are laid off because of economic conditions, or are discharged other than for gross misconduct. Coverage must also be offered to the employee’s covered dependents.

Employees and dependents who are eligible for COBRA are called qualified beneficiaries. To receive 29 months of

COBRA coverage, a qualified beneficiary must be deemed disabled by the Social Security Administration within the first 60 days of COBRA coverage. The qualified beneficiary can be charged up to 150% of the cost of coverage during the 11-month disability extension. The total maximum period of 29 months of COBRA coverage includes the 18 months of COBRA coverage period and the 11-month extension. The extension and the increased cost also apply to family members.

Extended coverage of 36 months must be made available to covered dependents who are spouses of deceased employees, legally separated or divorced spouses of current employees, Medicare-ineligible dependents of employees entitled to Medicare, and children of current employees who lose coverage because of their age.

An HMSA COBRA administrative service is available to help your company meet your COBRA responsibilities. Please note that HMSA doesn’t issue mandated COBRA notices to your employees. For more information regarding your COBRA obligations, contact the U.S. Department of Labor’s Employee Benefits Security Administration.

HIPAA

The Health Insurance Portability and Accountability Act (HIPAA) of 1996 Privacy Rule sets boundaries for the appropriate uses and disclosures of protected health information. It also requires health care providers, plans, and clearinghouses to have policies and procedures in place to protect the privacy of member information.

HIPAA limits HMSA from disclosing protected health information to an employer or plan administrator if the HIPAA privacy regulations or HMSA’s privacy policies don’t expressly permit the disclosure.

In such cases, we’ll require the authorization of the enrollee who is the subject of that information before we disclose the information. HIPAA was also designed to help employees maintain access to health benefits if they change employers or when they leave their employer and get an individual health plan. These HIPAA portability provisions were amended by the ACA in 2010. Key provisions include a prohibition on exclusions for preexisting conditions and limiting waiting periods.

Important Notices

Refer to your legal counsel for more information. If you need information about individual plan options, contact your HMSA representative or your nearest HMSA office.

Qualified Medical Child Support Orders

The Omnibus Budget Reconciliation Act of 1993 added Section 609 to ERISA. The act requires all employers to honor Qualified Medical Child Support Orders (QMCSOs) by providing group health plan benefits for children whose parents are divorced or separated. All employers must honor QMCSOs received on or after Aug. 10, 1993. HMSA will help employers meet their requirements for QMCSOs. For more information, contact the U.S. Department of Labor.

TEFRA

The Tax Equity & Fiscal Responsibility Act of 1982 requires employers with 20 or more employees to offer working employees and their spouses the same health coverage as employees under 65 if either the employee or spouse is 65 or older and eligible for Medicare.

Under federal Medicare Secondary Payer (MSP) laws, the group plan becomes the primary payer and will pay benefits before Medicare pays.

HMSA is required to maintain certain information about the size of each of its employer groups to help ensure proper coordination of benefits.

HMSA also uses this information to comply with related MSP reporting obligations, which include information about members enrolled in group coverage who are also entitled to Medicare.

When HMSA requests your number of employees, Federal Tax Identification Number, employee status verification, and/ or dual coverage information, we request that you submit this information in a timely manner so that we can update our records.

Please refer to your legal counsel for more information.

USERRA

The Uniformed Services Employment and Reemployment Rights Act, signed into law Oct. 13, 1994, requires employers to offer up to 24 months of continuation coverage to employees who take military leave and their dependents.

If the health plan would terminate because of an absence due to uniformed service, the employee and their dependents may elect to continue the health plan for up to 24 months after the absence begins or the period of services, whichever is shorter.

The law is very similar to COBRA except for two important differences. First, it applies to all employers. However, COBRA generally exempts employers that have fewer than 20 employees. Second, if the military leave is longer than 30 days, employers can charge up to 102% of the premiums. If the leave is 30 days or less, employers can only charge up to the active employee’s share of the premiums.

On return from service, the health plan must be reinstated without any waiting periods other than waiting periods that would have applied had there been no absence for uniformed service.

Domestic Partnership

Same-sex marriage has been legal in Hawaii since Dec. 2, 2013, when the Hawaii Marriage Equality Act became effective. The Hawaii State Legislature held a special legislative session beginning Oct. 28, 2013, and culminated with the Hawaii Marriage Equality Act signed into law Nov. 13, 2013.

The Hawaii Marriage Equality Act allows same-sex couples to exercise the freedom to marry in Hawaii on the same terms as opposite-sex couples. This means that same-sex couples will be eligible for the full range of rights, benefits, and protections granted to married couples under state and federal laws.

The Act left in place the existing civil union law and the reciprocal beneficiaries law.

HMSA will offer domestic partnership and reciprocal beneficiary coverage if requested by an employer group.

Domestic partners are not qualified beneficiaries under COBRA and, therefore, aren’t usually eligible for independent COBRA rights. When they’re terminated from group coverage, they’re eligible to enroll in individual conversion plans.

Reciprocal Beneficiary

Reciprocal beneficiaries aren’t qualified beneficiaries under COBRA and, therefore, they aren’t usually eligible for independent COBRA rights. When they’re terminated from group coverage, they’re eligible to enroll in individual conversion plans.

Civil Unions

The Hawaii law relating to civil unions, Act 1 of the 2011 Legislature, became effective Jan. 1, 2012. A person who meets the requirements of a civil union partner stated in the law has the same rights, benefits, protections, and responsibilities as a married spouse.

HMSA will add as a dependent anyone who the employer identifies as an eligible civil union partner provided the employer follows all other HMSA requirements of enrollment for that person.

Employers must make their own determination as to whether dependents have met the requirements of the law and should be enrolled.

For more information, visit hmsa.com and search civil unions.

NSA

The No Surprises Act (NSA) went into effect for most consumers on January 1, 2022, and provides consumers with protections when getting emergency care, non-emergency care from out-of-network providers at in-network facilities, and air ambulance services from out-of-network providers. In many cases, when consumers unknowingly saw out-of-network providers at in-network facilities, the out-of-network provider could bill consumers for the difference between the charges the provider billed, and the amount paid by the consumer’s health plan. The NSA works to eliminate such surprise bills and limit the consumers’ out of pocket costs in such situations.

Important Notices

Women’s Health and Cancer Rights Act of 1998

In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.

As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:

’ All stages of reconstruction of the breast on which the mastectomy was performed;

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

’ Prostheses and treatment of physical complications of the mastectomy, including lymphedema.

Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.

Special Enrollment Rights

This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.

Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP)

If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).

If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.

Marriage, Birth or Adoption

If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.

For More Information or Assistance

To request special enrollment or obtain more information, contact:

Endeavors

Total Rewards Team 6390 De Zavala Rd., Suite 103 San Antonio, TX 78429 210-431-6466

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 Endeavors and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice.

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription 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. Endeavors has determined that the prescription drug coverage offered by the Endeavors medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage. The HSA plan is not considered Creditable Coverage.

Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods.

You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty).

You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting Endeavors at the phone number or address listed at the end of this section.

If you choose to enroll in a Medicare prescription drug plan and cancel your current Endeavors prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.

Important Notices

If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.

For more information about this notice or your current prescription drug coverage: Contact the Human Resources Department at 210-431-6466

NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.

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 will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:

’ Visit www.medicare.gov

’ Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.

’ Call 1-800-MEDICARE (1-800-6334227). TTY users should call 877-4862048

If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800-325-0778

Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, 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 whether or not you are required to pay a higher premium (a penalty).

January 1, 2026

Endeavors

Total Rewards Team 6390 De Zavala Rd., Suite 103 San Antonio, TX 78429 210-431-6466

Notice of HIPAA Privacy Practices

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

This Notice of Privacy Practices (the “Notice”) describes the legal obligations of Endeavors’s Group Health Plan (the “Plan”) and your legal rights regarding your protected health information held by the Plan under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) 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, protected health information (PHI) is health information, including demographic information, collected from you or created or received by a health care provider, a health care clearinghouse, a health plan, or your employer on behalf of a group health plan, from which it is possible to individually identify you and that relates to:

1. Your past, present, or future physical or mental health or condition;

2. The provision of health care to you; or

3. The past, present, or future payment for the provision of health care to you.

I. Contact Information

If you have any questions about this Notice or about our privacy practices, and for any correspondence or requests related to the contents of this Notice, please contact:

Endeavors

Total Rewards Team 6390 De Zavala Rd., Suite 103 San Antonio, TX 78429 210-431-6466

II. Effective Date

This Notice is effective February 15, 2026.

III. Our Responsibilities

We are required by law to:

1. maintain the privacy of your PHI;

2. provide you with certain rights with respect to your PHI;

3. provide you with a copy of this Notice of our legal duties and privacy practices with respect to your PHI; and

4. follow the terms of the Notice that is currently in effect.

We reserve the right to change the terms of this Notice and to make new provisions regarding your PHI that we maintain, as allowed or required by law. If we make any material change to this Notice, we will provide you with a copy of our revised Notice of Privacy Practices.

IV. How We May Use and Disclose Your PHI

Under the law, we may use or disclose your PHI under certain circumstances without your permission. The following categories describe the different ways that we may use and disclose your PHI. 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. Note that we will use and disclose PHI as described below unless otherwise prohibited or restricted by applicable state or other law, and that information can lose its protected status as PHI once re-disclosed by a recipient.

Important Notices

For Treatment. When and as appropriate, we may use or disclose medical information about you to facilitate medical treatment or services by health care 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 you with physicians who are treating you.

For Payment. We may use or disclose your protected health information to determine your eligibility for Plan benefits, to facilitate payment for the treatment and services you receive from health care providers, to determine benefit responsibility under the Plan, or to coordinate Plan coverage. For example, we may tell your health care provider about your medical history to determine whether a particular treatment is experimental, investigational, or medically necessary, or to determine whether the Plan will cover the treatment. We may also share your protected health information with a utilization review or pre-certification 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.

Substance Use Disorder (SUD) Treatment Information. Some of your health information may be part of a SUD patient record and subject to additional protections under federal law (42 CFR Part 2) governing confidentiality of SUD patient records.

If we receive or maintain any information about you from a SUD treatment program that is covered by 42 CFR Part 2 (a “Part 2 Program”) through a general consent you provide to the Part 2 Program to use and disclose the SUD patient record for purposes of treatment, payment or health care operations, we may use and disclose your SUD patient record for treatment, payment and health care operations purposes as described in this Notice. If we receive or maintain your SUD patient record through specific consent you provide to us or another third party, we will use and disclose your SUD patient record only as expressly permitted by you in your consent as provided to us. In no event will we use or disclose your SUD patient record, or testimony that describes the information contained in your SUD patient record, in any civil, criminal, administrative, or legislative proceedings by any Federal, State, or local authority, against you, unless authorized by your consent or the order of a court after it provides you notice of the court order.

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

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.

As Required by Law. We will disclose your PHI when required to do so by federal, state, or local law. For example, we may disclose your PHI 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 PHI 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 PHI in a proceeding regarding the licensure of a physician.

To Plan Sponsors. For the purpose of administering the plan, we may disclose PHI to certain employees of the Employer. 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 PHI cannot be used for employment purposes without your specific authorization.

V. Special Situations

In addition to the above, the following categories describe other possible ways that we may use and disclose your PHI 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 PHI 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 PHI as required by military command authorities. We may also release PHI about foreign military personnel to the appropriate foreign military authority.

Workers’ Compensation. We may release your PHI 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 work-related injuries or illness.

Public Health Risks. We may disclose your PHI for public health activities. These activities generally include the following:

Important Notices

1. to prevent or control disease, injury, or disability;

2. to report births and deaths;

3. to report child abuse or neglect;

4. to report reactions to medications or problems with products;

5. to notify people of recalls of products they may be using;

6. 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;

7. 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 PHI 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 PHI in response to a court or administrative order. We may also disclose your PHI 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 PHI if asked to do so by a law-enforcement official.

1. in response to a court order, subpoena, warrant, summons, or similar process;

2. to identify or locate a suspect, fugitive, material witness, or missing person;

3. about the victim of a crime if, under certain limited circumstances, we are unable to obtain the victim’s agreement;

4. about a death that we believe may be the result of criminal conduct; and

5. about criminal conduct.

Coroners, Medical Examiners, and Funeral Directors. We may release PHI 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 PHI 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 PHI to the correctional institution or law-enforcement official if necessary (1) for the institution to provide you with health care; (2) to protect your health and safety or the health and safety of others; or (3) for the safety and security of the correctional institution.

Research. We may disclose your PHI to researchers when:

1. The individual identifiers have been removed; or

2. 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.

VI. Required Disclosures

The following is a description of disclosures of your PHI we are required to make.

Government Audits. We are required to disclose your PHI to the Secretary of the United States Department of Health and Human Services when the Secretary is investigating or determining our compliance with the HIPAA privacy rule.

Disclosures to You. When you request, we are required to disclose to you the portion of your PHI that contains medical records, billing records, and any other records used to make decisions regarding your health care benefits. We are also required, when requested, to provide you with an accounting of most disclosures of your PHI if the disclosure was for reasons other than for payment, treatment, or health care operations, and if the PHI was not disclosed pursuant to your individual authorization.

VII.

Other Disclosures

Personal Representatives. We will disclose your PHI to individuals authorized by you, or to an individual designated as your personal representative, attorney-in-fact, etc., so long as you provide us with a written notice/authorization and any supporting documents (i.e., power of attorney). Note: Under the HIPAA privacy rule, we do not have to disclose information to a personal representative if we have a reasonable belief that:

1. You have been, or may be, subject to domestic violence, abuse, or neglect by such person; or

2. Treating such person as your personal representative could endanger you; and

3. In the exercise of professional judgment, it is not in your best interest to treat the person as your personal representative.

Spouses and Other Family Members. With only limited exceptions, we will send all mail to the employee. This includes mail relating to the employee’s spouse and other family members who are covered under the Plan and includes mail with information on the use of Plan benefits by the employee’s spouse and other family members and information on the denial of any Plan benefits to the employee’s spouse and other family members. If a person covered under the Plan has requested Restrictions or Confidential Communications (see below under “Your Rights”), and if we have agreed to the request, we will send mail as provided by the request for Restrictions or Confidential Communications.

Authorizations. Other uses or disclosures of your PHI not described above will only be made with your written authorization. For example, in general and subject to specific conditions, we will not use or disclose your psychiatric notes; we will not use or disclose your PHI for marketing; and we will not sell your PHI, unless you give us a written authorization. You may revoke written authorizations at any time, so long as the revocation is in writing. Once we receive your written revocation, it will only be effective for future uses and disclosures. It will not be effective for any information that may have been used or disclosed in reliance upon the written authorization and prior to receiving your written revocation.

Important Notices

VIII. Your Rights

You have the following rights with respect to your PHI:

Right to Inspect and Copy. You have the right to inspect and copy certain PHI 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 PHI, you must submit your request in writing. If you request a copy of the information, we may charge a reasonable fee for the costs of copying, mailing, or other supplies associated with your request.

We may deny your request to inspect and copy in certain very limited circumstances. If you are denied access to your medical information, you may request that the denial be reviewed by submitting a written request.

Right to Amend. If you feel that the PHI we have about you is incorrect or incomplete, you may ask us to amend the information. You have the right to request an amendment for as long as the information is kept by or for the Plan.

To request an amendment, your request must be made in writing. In addition, you must provide a reason that supports your request.

We may deny your request for an amendment if it is not in writing or does not include a reason to support the request. In addition, we may deny your request if you ask us to amend information that:

1. is not part of the medical information kept by or for the Plan;

2. was not created by us, unless the person or entity that created the information is no longer available to make the amendment;

3. is not part of the information that you would be permitted to inspect and copy; or

4. is already accurate and complete.

If we deny your request, you have the right to file a statement of disagreement with us and any future disclosures of the disputed information will include your statement.

Right to an Accounting of Disclosures. You have the right to request an “accounting” of certain disclosures of your PHI. The accounting will not include (1) disclosures for purposes of treatment, payment, or health care operations; (2) disclosures made to you; (3) disclosures made pursuant to your authorization; (4) disclosures made to friends or family in your presence or because of an emergency; (5) disclosures for national security purposes; and (6) disclosures incidental to otherwise permissible disclosures.

To request this list or accounting of disclosures, you must submit your request in writing. 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 that time before any costs are incurred.

Right to Request Restrictions. You have the right to request a restriction or limitation on your PHI that we use or disclose for treatment, payment, or health care operations. You also have the right to request a limit on your PHI 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 of carrying out payment or health care operations (and is not for purposes of carrying out treatment); and (2) the PHI 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. In your request, you must tell us (1) what information you want to limit; (2) whether you want to limit our use, disclosure, or both; and (3) to whom you want the limits to apply-for example, disclosures to your spouse.

Right to Request Confidential

Communications. You have the right to request that we communicate with you about medical matters in a certain way or at a certain location. For example, you can ask that we only contact you at work or by mail.

To request confidential communications, you must make your request in writing. 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 PHI.

Right to a Paper Copy of This Notice. You have the right to a paper copy of this notice. You may ask us to give you a copy of this notice at any time. Even if you have agreed to receive this notice electronically, you are still entitled to a paper copy of this notice.

IX. 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 the person listed in the Contact Information section of this Notice. 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.

Important Notices

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://www.myalhipp.com/ Phone: 1-855-692-5447

Alaska – Medicaid

The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861

Email: CustomerService@MyAKHIPP.com

Medicaid Eligibility: https://health.alaska. gov/dpa/Pages/default.aspx

Arkansas – Medicaid

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

California– Medicaid

Health Insurance Premium Payment (HIPP) Program Website: http://dhcs.ca.gov/hipp

Phone: 916-445-8322

Fax: 916-440-5676

Email: hipp@dhcs.ca.gov

Colorado – Health First Colorado (Colorado’s Medicaid Program) and 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/childhealth-plan-plus

CHP+ Customer Service: 1-800-359-1991/ State Relay 711

Health Insurance Buy-In Program (HIBI): https://www.mycohibi.com/ HIBI Customer Service: 1-855-692-6442

Florida – Medicaid

Website: https://www. flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268

Georgia

– Medicaid

GA HIPP Website: https://medicaid.georgia. gov/health-insurance-premium-paymentprogram-hipp

Phone: 678-564-1162, Press 1

GA CHIPRA Website: https://medicaid. georgia.gov/programs/third-party-liability/ childrens-health-insurance-programreauthorization-act-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)

Medicaid Website: https://hhs.iowa.gov/ programs/welcome-iowa-medicaid

Medicaid Phone: 1-800-338-8366

Hawki Website: https://hhs.iowa.gov/ programs/welcome-iowa-medicaid/iowahealth-link/hawki

Hawki Phone: 1-800-257-8563

HIPP Website: https://hhs.iowa.gov/ programs/welcome-iowa-medicaid/feeservice/hipp

HIPP Phone: 1-888-346-9562

Kansas – Medicaid

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

HIPP Phone: 1-800-967-4660

Kentucky – Medicaid

Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP)

Website: https://chfs.ky.gov/agencies/dms/ member/Pages/kihipp.aspx

Phone: 1-855-459-6328

Email: KIHIPP.PROGRAM@ky.gov

KCHIP Website: https://kynect.ky.gov Phone: 1-877-524-4718

Kentucky Medicaid Website: https://chfs. ky.gov/agencies/dms

Louisiana – Medicaid

Louisiana Medicaid Website: https://www. ldh.la.gov/healthy-louisiana

Medicaid Customer Service Line: 1-888342-6207

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

Maine – Medicaid

Enrollment Website: https://www. mymaineconnection.gov/benefits/ s/?language=en_US Phone: 1-800-442-6003

TTY: Maine relay 711

Private Health Insurance Premium

Webpage: https://www.maine.gov/dhhs/ ofi/applications-forms Phone: 1-800-977-6740

TTY: Maine Relay 711

Massachusetts – Medicaid and CHIP

Website: https://www.mass.gov/ masshealth/pa

Phone: 1-800-862-4840

TTY: 711

Email: masspremassistance@accenture. com

Minnesota – Medicaid

Website: https://mn.gov/dhs/health-carecoverage/

Phone: 1-800-657-3672

Missouri – Medicaid

Website: http://www.dss.mo.gov/mhd/ participants/pages/hipp.htm

Phone: 573-751-2005 Montana – Medicaid

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

Phone: 1-800-694-3084

Email: HHSHIPPProgram@mt.gov

Nebraska – Medicaid

Website: http://www.ACCESSNebraska. ne.gov

Phone: 1-855-632-7633

Lincoln: 402-473-7000

Omaha: 402-595-1178

Nevada – Medicaid

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

Medicaid Phone: 1-800-992-0900

New Hampshire – Medicaid

Website: https://www.dhhs.nh.gov/ programs-services/medicaid/healthinsurance-premium-program

Phone: 603-271-5218

Toll free number for the HIPP program: 1-800-852-3345, ext. 15218

Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov

New Jersey – Medicaid and CHIP

Medicaid Website: http://www.state.nj.us/ humanservices/dmahs/clients/medicaid/ Phone: 1-800-356-1561

CHIP Premium Assistance Phone: 609-6312392

CHIP Website: http://www.njfamilycare. org/index.html

CHIP Phone: 1-800-701-0710 (TTY: 711)

New York – Medicaid

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

North Carolina – Medicaid

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

North Dakota – Medicaid

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

Oklahoma – Medicaid and CHIP

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

Oregon – Medicaid

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

Pennsylvania – Medicaid and CHIP

Website: https://www.pa.gov/en/services/ dhs/apply-for-medicaid-health-insurancepremium-payment-program-hipp.html Phone: 1-800-692-7462

CHIP Website: https://www.dhs.pa.gov/ chip/pages/chip.aspx

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

Rhode Island – Medicaid and CHIP

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

South Carolina – Medicaid

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

South Dakota - Medicaid

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

Texas – Medicaid

Website: https://www.hhs.texas.gov/ services/financial/health-insurancepremium-payment-hipp-program Phone: 1-800-440-0493

Utah – Medicaid and CHIP

Utah’s Premium Partnership for Health Insurance (UPP) Website: https://medicaid. utah.gov/upp/ Email: upp@utah.gov Phone: 1-888-222-2542

Adult Expansion Website: https://medicaid. utah.gov/expansion/

Utah Medicaid Buyout Program Website: https://medicaid.utah.gov/buyoutprogram/ CHIP Website: https://chip.utah.gov/

Vermont– Medicaid

Website: https://dvha.vermont.gov/ members/medicaid/hipp-program Phone: 1-800-250-8427

Virginia – Medicaid and CHIP

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

Washington – Medicaid

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

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)

Wisconsin – Medicaid and CHIP

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

Wyoming – Medicaid

Website: https://health.wyo.gov/ healthcarefin/medicaid/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, can contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services

Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

Important Notices

Continuation of Coverage Rights Under COBRA

Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Endeavors group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Endeavors plan after you have left employment with the company. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium.

Plan Contact Information

Endeavors

Total Rewards Team

6390 De Zavala Rd., Suite 103 San Antonio, TX 78429 210-431-6466

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain outof-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:

’ Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

’ Certain services at an in-network hospital or ambulatory surgical center

– When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these innetwork facilities, out-of-network providers cannot balance bill you, unless you give written consent and give up your protections.

You are never required to give up your protections from balance billing. You also are not required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing is not allowed, you also have the following protections:

’ You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.

’ Your health plan generally must:

• Cover emergency services without requiring you to get approval for services in advance (prior authorization).

• Cover emergency services by out-ofnetwork providers.

• Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.

• Count any amount you pay for emergency services or out-ofnetwork services toward your deductible and out-of-pocket limit.

If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/nosurprises for more information about your rights under federal law.

New 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.

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-ofpocket 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 on your premium 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.1, 2

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 employmentbased coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.

When Can I Enroll in Health Insurance Coverage through the Marketplace?

You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15.

Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.

There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage. 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 www.HealthCare.gov or call the Marketplace Call Center at 1-800-3182596. 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 employmentbased 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 Human Resources. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

Important Notices

PART B: Information About Health Coverage Offered by Your Employer

This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.

3. Employer Name: Endeavors

4. Employer Identification Number (EIN): 23-7223078

5. Employer Address: 6363 De Zavala Rd, Suite 103

6. Employer Phone Number: 210-854-9771

7. City: San Antonio

8. State: TX 9. ZIP Code: 78429

10. Who can we contact at this job?: Total Rewards Team

11. Phone Number (if different from above): N/A

12. E-Mail Address: benefits@endeavors.org

As your employer, we offer a health plan to all eligible employees (see the Eligibility section of this guide). This coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages.

1 Indexed annually; see https://www.irs.gov/pub/irsdrop/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.

This brochure highlights the main features of the Endeavors employee benefits program. It does not include all plan rules, details, limitations and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Endeavors reserves the right to change or discontinue its employee benefits plans at anytime.