2026-27 1000Bulbs Benefits Book - Main - JN

Table of Contents

Highlights

y Open Enrollment (OE) is May 11-15, 2026.

y Medical, Dental, and Vision coverages are offered through Cigna

y Employees electing the Cigna High Deductible Health Plan (HDHP/HSA Base Plan) receive Health Savings Account (HSA) contributions from 1000 Bulbs.com in the amount of $600 per year. This amount is prorated for new employees.

y Life and AD&D and Disability coverages are also offered through Mutual of Omaha.

y Accident, Hospital Indemnity, Critical Illness, and Cancer coverages are offered through Mutual of Omaha.

Cigna ID Cards

Covered by Cigna Medical or Vision? Your digital ID is always in hand.

With the myCigna app, your digital insurance card is with you whenever and wherever you are. Say hello to freedom, and goodbye to wallet ID cards, misplaced paper copies, and even trying to print your own.

Access yours now:

y Log in to www.mycigna.com or download the app

y Select ID Cards

About this Guide

1000 Bulbs.com is pleased to offer you a comprehensive benefits package intended to protect your well-being and financial health. This guide is your opportunity to learn more about the benefits that are available to you and your eligible dependents beginning June 1, 2026. To get the best value from your health care plan, please take the time to evaluate your coverage options and determine which plans best meet your health care and financial needs. By being a wise consumer, you can support your health and maximize your health care dollars.

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see page 24 for more details.

y View cards or email them directly to your dentist *

y Save to your Apple Wallet for even faster access

Additional myCigna App ** benefits:

y Find in-network dentists and services

y See cost estimates for procedures

y Compare quality-of-care information, including patient reviews

y Manage and track claims

y Use the click-to-chat feature to connect with a live agent

y Access a variety of tools and resources, including an interactive assessment

* Customers under age 13 (and/or their parent/guardian) will not be able to register at www.mycigna.com .

** Actual myCigna features may vary depending on your plan and customer profile.

Enrollment and Eligibility

Open Enrollment

During the OE period (May 11-15, 2026), you may make changes to your benefit elections or add/remove dependents from your insurance coverage. OE is the only time you may change coverage without a Qualifying Life Event (QLE). The changes you make during OE will be in effect June 1, 2026, through May 31, 2027. REMINDER: Health Care and/or Dependent Care Flexible Spending Accounts (FSAs) always require annual active enrollment.

Eligibility Employees

You are eligible to participate in benefits if you are classified as a full-time employee and are regularly scheduled to work at least 30 hours per week. You must be actively at work for any coverage to take effect.

Dependents

Your eligible dependents include:

y Your legally married spouse

y Your dependent children from birth to age 26

y Your unmarried children of any age who are mentally or physically disabled and who are dependent on you for support

Children include:

y Natural children

y Legally adopted children (or children placed with you for adoption)

y Stepchildren

y Children for whom you or your spouse are the legal guardian, as long as you have the sole legal right and obligation to provide support and medical care

Making Enrollment Changes During the Year

Your benefit elections remain in effect for the entire plan year as you pay medical, dental, vision, and FSA costs pretax (through IRC Section 125). However, a QLE allows you to make changes during the year. Below are specific events that may require you to notify Human Resources:

y Birth, adoption, or placement for adoption of an eligible child

y Child reaches benefits age limit

y Marriage, divorce, legal separation, or annulment

y Change in your or your dependent’s employment status that affects benefits eligibility (e.g., starting a new job, leaving a job, changing from part-time to full-time)

y Significant change in coverage or cost in your, your spouse’s, or your child’s benefit plans

y Court judgment or decree

y Receiving a Qualified Medical Child Support Order

y Spouse OE

y Participating in Medicare, Medicaid, and TRICARE

y Dependent loss of eligibility

Depending on the type of QLE, you will have 31 days to submit your supporting documentation to Human Resources. Changes will be effective on the day of the event. If you do not make your changes during the 31-day change-in-status period, your changes cannot be made until the next OE. Benefit changes must also be consistent with your QLE. See the Special Enrollment Rights notice on page 24 .

Our employee benefits program offers three medical plan coverage options. To help you become fully informed, a Summary of Benefits and Coverage (SBC) for each plan is available summarizing important information about your health coverage in a standard format. The SBCs are available by calling Human Resources at 972-288-2277 ext. 235

Enrollment Instructions

Enrollment for benefits is done online through BenefitsInHand. Go to www.benefitsinhand.com to begin the enrollment process. First-time users follow steps 1-4. Returning users log in and start at step 5.

1. If this is your first time to log in, click on the New User Registration link. Once you register, you will use your username and password to log in.

2. Enter your personal information and company identifier of 1000bulbs and click Next

3. Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish

4. If you used an email address as your username, you will receive a validation email to that address. You may now log in to the system.

5. Click the Start Enrollment button to begin the enrollment process.

6. Confirm or update your personal information and click Save & Continue

7. Edit dependents or add dependents that need to be covered on your benefits. Once all dependents are listed, click Save & Continue.

8. Follow the steps on the screen for each benefit to make your selection. Please notice there is an option to decline coverage. If you wish to decline, click the Don’t want this benefit? button and select the reason for declining.

9. Once you have elected or declined all benefits, you will see a summary of your selections. Click the Click to Sign button. Your enrollment will not be complete until you click the Click to Sign button.

Higginbotham Employee Helpline

Employee benefits can be complicated. The Higginbotham Employee Response Center (ERC) can assist you with the following:

y Enrollment

y Accessing BenefitsInHand

y Benefits information

y Claims and billing questions

y Eligibility issues

Call or text 866-419-3518 to speak with a bilingual representative Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day.

Email questions or requests to helpline@higginbotham.net

Medical and Pharmacy Benefits

1000 Bulbs.com understands that for many of you, satisfying your family’s health care needs is one of the first things you look for in your employee benefits package. 1000 Bulbs.com is pleased to offer three comprehensive medical plans through Cigna: an HDHP that combines the medical plan with a tax-free HSA and two traditional insurance plans. All three plans use the Cigna Open Access Plus Network and preventive care is covered at 100% in-network.

Medical Plan Options

y HDHP/HSA Base Plan – The HDHP/HSA Base Plan covers medical services at 100% after you have met your deductible. However, you will still be responsible for pharmacy copays until you have met your out-of-pocket maximum. If you enroll in the HDHP, you are eligible to open an HSA.

y Mid Plan – This plan covers office visits, urgent care and emergency room visits, and pharmacy with copays. For all other services, you will need to meet your deductible before the plan pays 80% in-network. The deductible does not apply to pharmacy copays.

y Buy-up Plan – This plan also covers office visits, urgent care and emergency room visits, and pharmacy with copays. On this plan, after you meet your deductible, the plan covers in-network medical services at 100%. The deductible does not apply to pharmacy copays.

Which Plan is Right for You?

All of the plans cover preventive care at 100% when you use an in-network provider. You must meet a deductible to meet before benefits are paid for most services. A referral to a specialist is not required.

If you enroll in the HDHP/HSA Base Plan, you may be eligible to open an HSA (provided you are not covered under another health plan).

The Mid and Buy-up plans offer office visits, urgent care and emergency room visits, and pharmacy copays. It is recommended you choose a primary care physician, but you are not required to do so.

Using your Medical Coverage

Register on www.mycigna.com so you are ready to log in anytime, anywhere to:

y Manage and track claims

y View ID card information

y Find doctors and compare costs and quality ratings

y Review your coverage

y Track your account balances and deductibles

y Refill your prescription drugs online and check order status with Cigna Home Delivery

How to Find an In-Network Provider

Choose whether you are looking for a doctor, dentist, or a place to receive medical care. Next, enter the geographic location you want to search. Select your plan, enter the name or specialty, then click Search. You can refine your search results by distance, years of practice, specialty, languages, and more.

Cigna’s Health Information Line

Cigna’s Health Information Line is available 24 hours a day, seven days a week. You will be connected with a clinician who is trained to help answer your health questions. Simply call 800-564-9286 or the number shown on the back of your ID card.

Cigna Mobile App

Download the myCigna app to your mobile device to stay organized and in control of your health — anytime, anywhere. The app is also available in Spanish. Log in to:

y Track your account balances and deductibles

y Manage and calculate costs

y View or email ID card information

y Find doctors, dentists, or pharmacies

y Refill Cigna Home Delivery prescriptions and view your order history

y View medication costs based on your plan, and search for lower-cost alternatives

Medical and Pharmacy Benefits

Cigna Pharmacy Benefits

You can save money by using medications covered by your Cigna medical plan. A list of medications is available at www.mycigna.com. Your cost is based on whether your medication is a generic, preferred brand name, non-preferred brand name, or specialty medication.

Mandatory Generics

Generic medications offer the same strength and active ingredients as brand name medications, but are often much less expensive. Cigna medical plans include a Mandatory Generics program. When you submit your prescription for a brand name medication, your pharmacist will fill with a generic, if available. If you request the brand name medication instead of the generic, you will be required to pay the brand name copay plus the difference in cost between the brand name medication and the generic.

Step Therapy

Step Therapy is a program in which certain medications need approval by Cigna before they are covered under the plan. When you fill a medication for a Step Therapy drug, you and your doctor will receive a letter from Cigna detailing the steps you need to take before you can fill or refill your medication. Go to www.cigna.com/druglist to look for your medication. It will be noted with ST if it is included in the Step Therapy program. You can also check the drug list on www.mycigna.com

Retail Pharmacy

You will pay less and eliminate the need for claim forms when you use in-network pharmacies for your prescriptions. Show your medical/prescription drug ID card to your pharmacist and pay the amount shown in the medical benefits summary chart. If you use an outof-network pharmacy, you must pay in full when the prescription is filled and file a claim for reimbursement.

Home Delivery Service

The Cigna Home Delivery service is a convenient, cost-effective way to receive up to a 90-day supply of prescription drugs without going to the drug store. Your medication is delivered by mail direct to your home or work address. Orders can be managed online through the myCigna app. To learn more about the Home Delivery Service, call 800-835-3184

Generic Drugs Are Effective and Save You Money

Generic drugs have the same active ingredients as their brand name counterparts, but are typically sold at substantial discounts from the brand name price. Lower copayments for generic drugs can save you money; however, not all drugs have a generic equivalent.

Health care consumers can be assured that FDAapproved generic drug products have met the same rigid standards as the innovator drug.

You can purchase many generics at local retail outlets for as little as $5 for a 30-day supply, and $10 for a 90-day supply. Check with your local retail outlet for a list of the generics offered at these prices.

Cigna 90 Now

Cigna 90 Now provides cost savings and improved prescription service. With this program, you can fill 90-day maintenance prescriptions either at specified retail pharmacies or through Cigna’s Home Delivery program. This is a mandatory program. However, you will be allowed up to three fills before having to participate in the 90-day fill program.

Cigna Specialty Pharmacy Service

Cigna offers a specialized support team to help if you have a complex chronic health condition. You have access to:

y Specialized Support – Cigna’s team of pharmacists, nurses, and certified technicians have a deep understanding of your condition and are available 24/7/365.

y Free and Fast Home Delivery – You do not have to leave home and stand in line if you are busy or not feeling well. Discrete packaging ensures your privacy.

y Financial Assistance – Cigna experts can help you find ways to pay for your prescriptions.

y Convenient Tracking Online or by App – Get all of your medications from one place and set up delivery and tracking at www.mycigna.com, on the myCigna app, or by phone.

Medical and Pharmacy Benefits Summary

For help deciding which plan is best for you and your family, call Cigna One Guide at 888-806-5094 or contact the ERC at 866-419-3518. ERC benefits experts are available to take your call Monday through Friday from 8:00 a.m. to 5:00 p.m. CT. You can also email your questions to helpline@higginbotham.net

The Base and Mid Plans do not offer any out-of-network coverage. You must see an in-network provider in order to receive coverage specified above.

To find an in-network provider, log in to www.mycigna.com or the myCigna app

Health Savings Account

If you like to take charge of your health and be responsible for how you spend your health care dollars, the Cigna HDHP/HSA Base Plan could be the right choice for you. An HSA can be funded if you enroll in this plan. Your HSA will be administered by HSA Bank .

What is a Health Savings Account?

An HSA is a tax-advantaged personal savings account that you can use to pay for qualified medical expenses – now or in the future. It offers triple tax savings through:

y Pretax contributions

y Tax-free interest or investment earnings

y Tax-free distributions for qualified medical expenses

What are other advantages of an HSA?

y Lower medical insurance premiums

y Portability (you keep your HSA, even if you change employers or medical insurance plans)

y Unused contributions and investment earnings roll over each year

Who is eligible for an HSA?

Any individual who:

y Is covered by an IRS-qualified HDHP (our Cigna HDHP/ HSA Base Plan)

y Is NOT also covered by any other medical plan that is not an IRS-qualified HDHP, including a spouse’s FSA

y Is NOT enrolled in Medicare, Medicaid, or TRICARE

y Cannot be claimed as a dependent on someone else’s tax return

How much can I contribute to my HSA?

You can make contributions to your HSA through 1000 Bulbs.com ’s payroll on an immediate pretax basis – no federal, state, or FICA taxes are taken out. The 2026 tax year maximum contributions are:

y Employee Only – $4,400 (includes 1000 Bulbs.com ’s $600 contribution)

y Employee + Dependent(s) – $8,750 (includes 1000 Bulbs.com ’s $600 contribution)

y $1,000 catch-up contribution if age 55 or older

Who is the HSA Trustee?

HSA Bank is 1000 Bulbs.com ’s trustee. For online access to your HSA, go to www.mycigna.com. The HSA earns interest and some fees apply.

What can I use the HSA Fund for?

Refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for a complete description of eligible health expenses, which include:

y Doctor office visits

y Prescriptions

Important Details

y Dental and vision services

There are many important components to the plan:

y 1000 Bulbs.com contributes $600 per year to your HSA. This amount will be prorated for new hires.

y HSA funds can be used to pay for qualified health care expenses. In addition to 1000 Bulbs.com ’s $600 yearly contribution to your HSA, you can also contribute pretax dollars to your HSA to pay for these expenses. In 2026, you can contribute up to an additional $4,400 for an individual and $8,750 for a family.

y HSA balances roll over from year-to-year and the account is portable, which means that you keep it even if you change employers, switch medical plans, or retire.

Debit Card

Your HSA is similar to a savings account. You decide whether to use the funds to pay for health care expenses out-of-pocket or from your HSA using a convenient debit card. You must have funds in your HSA to use your debit card. If you already have an HSA debit card, continue to use it until it expires. If you do not have a debit card, you will receive one from HSA Bank.

If you choose to pay expenses out of your own pocket, any unused money stays in your HSA and these funds are never forfeited. Your HSA funds will continue to accumulate until you need them for a major health care expense, medical expenses during your retirement years, or at a time when you may not have access to health care coverage.

Telemedicine

A Doctor is Always Ready to See You

Telemedicine provided by Cigna and powered by MDLIVE makes it easy for you to get the treatment you need, when you need it. Telemedicine is a convenient alternative if it is difficult for you to leave home or work for an in-person office visit, or if care is needed after regular office hours. Board-certified doctors are available 24/7 for nonemergency care by phone, online video, or mobile app.

Telemedicine doctors can treat a variety of conditions and can write prescriptions, if needed. Common health conditions include:

y Allergies

y Cold/flu

y Fever

Important

Your regular provider may offer telemedicine services, so it’s best to ask now and know what your options are before you need care. They may offer telemedicine consultations by phone or video during or after normal office hours.

MDLIVE Urgent Virtual Care Services

y Headaches

y Nausea

y Sinus infections

If your situation is not life-threatening, you can avoid crowded waiting rooms, expensive urgent care or ER bills, or waiting weeks to see your doctor. With telemedicine, you can talk to or see a doctor in minutes.

Telemedicine with licensed behavioral health therapists are also available by appointment for:

y Anxiety

y Depression

Create Your MDLIVE account

y Stress management

y And more

y Call MDLIVE at 888-726-3171

y Access www.mdliveforcigna.com

y Get the MDLIVE app

Note: Always go to the emergency room in lifethreatening situations.

Wellness

Virgin Pulse through Cigna

1000 bulbs.com has partnered with Virgin Pulse through Cigna to assist you and your family members achieve health goals with fun and engaging experiences. This program provides all the guidance, resources, and support you need to work toward a healthier lifestyle.

Personalize your experience by connecting your activity tracker and set your topics of interest so you may focus on what matters most to you.

Complete the Health Check by answering questions about your current health. Once completed you will receive your health score along with practical tips to help maintain or improve your well-being.

Track your Healthy Habits in small steps to build a healthy routine customized from your Health Check results. Go to Healthy Habits to change up the program to best suit your needs or interest.

Rewards for making healthy decisions. Log in to Virgin Pulse to choose and complete your activities and earn up to $100 in Pulse Cash. Go to Rewards > Spend to redeem your pulse cash.

Signing up is easy. Visit www.join.virginpulse.com/cigna or scan the QR code below to set up your account.

Omada

If you are at risk of diabetes and/or high blood pressure, Omada helps you change the habits that put you most at risk for developing a chronic condition. A virtual care team will work with you to create a program to reduce your risk and build healthy habits. You will receive weekly support and connect with a small group of peers, all from the comfort of your own home.

Covered benefits include:

y $0 cost for eligible participants

y 24/7 access to digital support and help

y Weekly classes on healthy habits (food, activity, sleep, and stress)

y Smart devices to track and manage your condition

For more information, visit www.omadahealth.com/ omadaforcigna

RECOVERYONE

Ease pain and get back to the activities you love with RecoveryOne for Cigna Heatlhcare online. Back and joint care available through your health plan benefits at no additional cost.

y Convenient guided exercise videos available to meet your schedule.

y Personalized programs tailored to your goals, condition, and lifestyle.

y Your certified health coach is here to support you stay on track as you heal.

y Receive your complimentary equipment kit that contains resistance bands, anchor strap, phone holder, and a convenient storage pouch.

Get started at www.recoveryone.com/start

Together, all the way

When life is busy, you may experience feelings of depression or sadness, worry, or anxiety. With Together, all the way, you can take control of your health, body, and mind when you need it, 24/7. Our broad support program includes the following tools:

y National network of clinicians – counselors, psychologists, and psychiatrists

y Guaranteed first-time appointments in five business days and a callback within one business day

y Live chat on www.mycigna.com with an Employee Assistance Program (EAP) advocate

y Virtual counseling sessions

y Online therapy with a licensed therapist through Talkspace

y Behavioral health coaching

y Support programs for autism, eating disorders, substance use, and more through a digital interface.

y Centers of Excellence for Adult Mental Health, Child and Adolescent Mental Health, Eating Disorders, and Substance Use

y Three face-to-face visits with a licensed behavioral health provider

y Access to legal services

y Access to financial services

y Identity theft protection to proactively monitor, alert and help fix any identity compromises

Access these resources

y Call 24/7 live assistance at 877-231-1492 or the number on your member ID card

y Visit www.mycigna.com

Dental Benefits

Good oral hygiene can contribute to your overall health, which is why it is important to get regular dental checkups. 1000 Bulbs.com offers you a Cigna DPPO plan that helps you pay for preventive, basic and major care, and orthodontic treatment.

You may see any dentist of your choosing under the DPPO plan. The plan pays the same coinsurance percentage whether you go in-network or out-of-network. However, you may save money by visiting an in-network provider as payments are based on a negotiated fee schedule. For outof-network providers, reimbursements are based on the 90th percentile of Usual, Customary, and Reasonable (UCR) charges for dentists in your area for each procedure.

Preferred Dental Network Provider Search

Even though you may see any dentist under your DPPO plan, using Cigna participating dentists may save you money. Log in to www.mycigna.com or call customer service at 800-244-6224 to find a Cigna participating dentist.

Dental ID Card

ID cards are available after your effective date of coverage at www.mycigna.com, and only digitally online or in the myCIgna app.

Fillings, simple extractions, oral surgery

Crowns, inlays, onlays, endodontics, periodontics, dentures, bridges

Vision Benefits

Periodic eye examinations cannot only determine the need for corrective eyewear, but may also detect general health problems in their earliest stages. 1000 Bulbs.com allows you to purchase an optional vision care program made available through Cigna Vision Solution using the EyeMed Network.

Vision Benefit Summary

Under this plan, you have access to routine vision care such as annual exams and eyewear, at significantly reduced costs through a network of contracted vision care providers. You may find providers at www.mycigna.com.

* If you choose contact lenses, you will be eligible for eyeglass lenses 12 months from the date the contact lenses were obtained.

Cigna ID Cards

Because no ID cards are issued, you can only access your card digitally through the myCigna app.

With the myCigna app, your digital insurance card* is with you whenever and wherever you are. Say hello to freedom, and goodbye to wallet ID cards, misplaced paper copies, and even trying to print your own.

Access yours now:

y Log in to www.mycigna.com or download the app

y Select ID Cards

y View cards or email them directly to your provider *

y Save to your Apple Wallet for even faster access Additional myCigna app ** benefits:

y Find in-network providers and services

y See cost estimates for procedures

y Compare quality-of-care information, including patient reviews

y Manage and track claims

y Use the click-to-chat feature to connect with a live agent

y Access a variety of tools and resources including an interactive assessment

* Customers under age 13 (and/or their parent/guardian) will not be able to register at www.mycigna.com

** Actual myCigna features may vary depending on your plan and customer profile.

Flexible Spending Accounts

An FSA allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses. We offer three different FSAs: two for health care expenses and one for dependent care expenses. Higginbotham administers our FSAs.

Health Care FSA

The Health Care FSA covers qualified medical, dental and vision expenses for you or your eligible dependents. You may contribute up to $3,400 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include:

y Dental and vision expenses

y Medical deductibles and coinsurance

y Prescription copays

y Hearing aids and batteries

You may not contribute to a Health Care FSA if you enrolled in an HDHP and contribute to an HSA.

Limited Purpose Health Care FSA

A Limited Purpose Health Care FSA is available if you enrolled in the HDHP medical plan and contribute to an HSA. You can use a Limited Purpose Health Care FSA to pay for eligible out-of-pocket dental and vision expenses only, such as:

y Dental and orthodontia care (e.g., fillings, X-rays, and braces)

y Vision care (e.g., eyeglasses, contact lenses, and LASIK surgery)

How the Health Care and Limited Purpose FSAs Work

You can access the funds in your Health Care or Limited Purpose FSA two ways:

y Use your Higginbotham Benefits Debit Card to pay for qualified expenses, doctor visits, and prescription copays.

y Pay out-of-pocket and submit your receipts for reimbursement by fax, email, or online:

y Visit – www.flexservices.higginbotham.net

y Fax – 866-419-3516

y Email – flexclaims@higginbotham.net

Higginbotham Benefits Debit Card

The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care or Limited Purpose Health Care FSA when you make a purchase, without needing to file a claim for reimbursement. If you use the debit card to pay anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits. If you do not submit your receipts, you will receive a request for substantiation. You will have 60 days to submit your receipts after receiving the request for substantiation before your debit card is suspended. Check the expiration date on your card to see when you should order a replacement card(s).

Eligible expenses are referenced in IRS Publication 502 Medical and Dental Expenses at www.irs.gov/publications/p502/index.html or by phone at 800-TAX-FORM. See page 17 for more approved medical expenses.

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 full-time. 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 must be a single parent or you and your spouse must be employed outside the home, disabled, or a full-time student.

Things to Consider Regarding the Dependent Care FSA

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

y If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13.

y 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.

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

Important FSA Rules

y The maximum per plan year you can contribute to a Health Care or Limited Purpose Health Care FSA is $3,400. 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.

y You cannot change your election during the year unless you experience a QLE.

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

y The IRS has amended the “use it or lose it” rule to allow you to carry-over up to $680 in your Health Care FSA into the next plan year. The carryover rule does not apply to your Dependent Care FSA.

y Keep all receipts for substantiation of expenses. In case of an audit, the IRS will require receipts.

y Funds from your Health Care or Limited Purpose Health Care FSA for your total annual election amount are available on the first day of coverage.

y Dependent Care FSA funds are only available as they are payroll deducted.

y FSA participation must be elected annually (year-to-year enrollment is not automatic).

Higginbotham Portal

The Higginbotham Portal provides information and resources to help you manage your FSAs.

y Access plan documents, letters, notices, forms, account balances, contributions, and other plan information

y Update your personal information

y Utilize Section 125 tax calculators

y Look up qualified expenses

y Submit claims

y Request a new or replacement Benefits Debit Card

Register on the WealthCare Portal

Visit www.flexservices.higginbotham.net and click Register. Follow the instructions and scroll down to enter your information.

y Enter your Employee ID, which is your Social Security number with no dashes or spaces.

y Follow the prompts to navigate the site.

y If you have any questions or concerns, contact Higginbotham:

y Call – 866-419-3519

y Email – flexclaims@higginbotham.net

y Fax – 866-419-3516

Higginbotham Flex Mobile App

Easily access your Health Care or Health Care Limited Purpose FSA on your smartphone or tablet with the Higginbotham mobile app. Search for Higginbotham in your mobile device’s app store and download as you would any other app.

y View Accounts – Includes detailed account and balance information

y Card Activity – Account information

y SnapClaim – File a claim and upload receipt photos directly from your smartphone

y Manage Subscriptions – Set up email notifications to keep up-to-date on all account and Health Care or Health Care Limited Purpose FSA debit card activity

Log in using the same username and password you use to log in to the WealthCare Portal. If you have not registered on the portal, you can register on the mobile app.

Life and AD&D Insurance

Life and Accidental Death & Dismemberment (AD&D) insurance provide you with the peace of mind of knowing you can help meet your family’s financial needs even if you are not there to provide for them.

Basic Term Life and AD&D Insurance

1000Bulbs.com provides Basic Term Life and AD&D insurance at no cost to you if you are enrolled in one of our medical plans. Coverage is provided through Mutual of Omaha. Benefits are reduced to 65% at age 65, and 50% at age 70.

and

For an added layer of protection, you may purchase Voluntary Term Life and AD&D insurance for you, your spouse, and your dependent child(ren) if you are enrolled in one of our medical plans. These are separate elections. You must enroll in Voluntary Term Life and AD&D for yourself in order to cover your dependents. Coverage is provided through Mutual of Omaha. Benefits are reduced to 65% at age 70, and 50% at age 75.

You must submit Evidence of Insurability — proof of good health — if any of the following conditions are met:

y You are attempting to obtain coverage after initial eligibility

y You are electing an amount in excess of the Guaranteed Issue amount at initial eligibility

y You are electing to increase your current coverage

Rates vary depending on age/ amount elected and can be viewed in BenefitsInHand.

Calculate Your Voluntary Term Life and AD&D Monthly Cost

Take the amount of coverage you would like to purchase, divide by $1,000 and multiply by the rate.

Example: You are 42 years of age as of June 1, 2026, and would like to purchase $50,000 of coverage: $50,000 ÷ $1,000 = 50 × $0.168 rate = $8.40 Monthly Cost

NOTE: Upon termination, you have an opportunity to continue Group and/or Voluntary Life and AD&D insurance. Forms and premiums must be remitted to Mutual of Omaha within 31 days of termination. Please contact Human Resources with any questions.

Disability Insurance

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

1000 Bulbs.com provides Short Term Disability (STD) and Long Term Disability (LTD) insurance at no cost to you through Mutual of Omaha. The disability benefits are available for all full-time employees.

Short Term Disability

1000 Bulbs.com will fully cover STD premiums for all fulltime, benefit-eligible employees.

y No action needed; you are automatically enrolled.

y Off job only.

y All PTO must be used first.

STD insurance provides you with partial income protection in the event you are temporarily disabled and unable to work due to a covered non-work-related accident, injury, or illness (including pregnancy).

Long Term Disability

1000 Bulbs.com provides LTD if you are enrolled in a medical plan. LTD coverage is offered through Mutual of Omaha, up to Age Discrimination in Employment (ADEA) and Social Security Normal Retirement Age (SSNRA).

Pre-Existing Condition Exclusion 3/12*

*Pre-Existing Condition Exclusion: Benefits may not be paid for conditions for which you have been treated within three months prior to your effective date until you have been covered under this plan for 12 months.

Value Add Resources

Mutual of Omaha provides the following programs and services at no cost to you.

Employee Assistance Program

The EAP is a confidential program to help you find solutions for personal and workplace issues. Benefits for you and your eligible dependents include unlimited telephone access to EAP professionals and up to three face-to-face sessions with a counselor. Professionals are available 24/7 to help with the following:

y Stress and depression

y Financial issues

y Family and relationship issues

y Addiction

y Grief issues

y Parenting and eldercare

y Legal services

y Financial services

y Other personal concerns

For assistance, call 800-316-2796 or visit www.mutualofomaha.com/eap. Additional resources are available on the website.

Worldwide Travel Assistance

AXA Assistance USA provides travel assistance for you and your dependents if you are traveling on any single trip more than 100 miles from home. Contact a representative to get trip planning assistance; translation, interpreter, or legal services; lost baggage assistance; emergency funds; document replacement; medical emergency help; and more. Services are available for business and personal travel.

For inquiries within the USA, call 800-856-9947. From outside the USA, call 312-935-3658

Identity Theft Services

The Identity Theft Assistance program, provided by AXA Assistance, helps you understand the risks of identity theft and how to prevent it. If your information is compromised, a representative will connect you with the needed resources. Call AXA Assistance at 800-856-9947 to learn more.

Will Preparation

Creating a will is an important investment in your future. In just minutes, you can create a personalized will that keeps your information safe and secure. The services provided by Epoq offer a secure account space to prepare wills and other legal documents. Log in at www.willprepservices.com and use the code MUTUALWILLS to register.

Voluntary Benefits

As a complement to our core benefits programs, 1000 Bulbs.com offers you the opportunity to enroll in additional coverage in case of serious accidents or illnesses.

Accident Insurance

Accident insurance helps offset direct and indirect expenses resulting from an accident such as copayments, deductibles, physical therapy, and other costs not covered by traditional health plans. Accident insurance is provided through Mutual of Omaha

Hospital Indemnity Insurance

Hospital Indemnity insurance helps with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance that pays a benefit to the hospital or doctor, this plan pays you directly based on the care or treatment you receive. This plan will pay you $1,100 for the first day of your hospital confinement, and $100 per day for up to 10 additional days. This benefit is provided through Mutual of Omaha.

Voluntary Benefits

Critical Illness and Cancer Insurance

Critical Illness insurance helps pay the cost of nonmedical expenses such as loss of income, out-of-town treatments, special diets, daily living, and household upkeep costs, in addition to deductibles and other cost-sharing arrangements. This plan provides you a lump-sum benefit payment upon first and second diagnosis of any covered critical illness. You can choose amounts of $5,000, $10,000, or $20,000. Benefit percentages depend on diagnosis. There is also a $100 wellness benefit included in the plan. Coverage for dependent children is provided at 25% of the Employee issued amount. Critical Illness and Cancer insurance is provided through Mutual of Omaha

Pet Insurance

1000 Bulbs.com provides you the opportunity to purchase medical insurance for your pets through Nationwide. Coverage is available for dogs, cats, birds, and certain exotic animals. You can visit any veterinarian clinic and, depending on your plan, receive 50%, 70%, or 90% reimbursement on your vet bills after a deductible. Each pet has an individual policy, and discounts are available for two or more pets. To obtain rates and enroll for coverage, go to www.petinsurance.com/1000bulbs or call 877-738-7874 . Nationwide will bill you directly.

Employee - $10,000-$30,000

Spouse - $10,000 up to 100% of employee benefit amount, up to $30,000

Child - Up to 25% of employee benefit amount, up to $8,000

100% OF BENEFIT

For conditions such as advanced Alzheimer’s disease; benign brain tumor; heart attack; major organ failure; invasive cancer; stroke; and more

25% OF BENEFIT

For conditions such as carcinoma in situ; inflammatory bowel disease; coronary artery disease (minor) and more

Rates can be viewed in BenefitsInHand. CRITICAL ILLNESS INSURANCE COVERAGE AMOUNTS

Employee Contributions

Required 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: 1000 Bulbs.com

Human Resources 2140 Merritt Dr. Garland, TX 75041 972-535-0941

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 1000 Bulbs.com 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. 1000 Bulbs.com has determined that the prescription drug coverage offered by the 1000 Bulbs.com 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 1000 Bulbs.com 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 1000 Bulbs.com 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.

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 972-535-0941

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 (1-800-633-4227). TTY users should call 877-486-2048

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).

May 1, 2026

1000 Bulbs.com Human Resources 2140 Merritt Dr. Garland, TX 75041 972-535-0941

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 Company’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:

1000 Bulbs.com

Human Resources 2140 Merritt Dr. Garland, TX 75041 972-535-0941

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.

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.

Required Notices

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:

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 lawenforcement 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.

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.

Required Notices

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.

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 1-866444-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.

Website: https://www.hhs.texas.gov/services/financial/health-insurancepremium-payment-hipp-program

Phone: 1-800-440-0493

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

Continuation of Coverage Rights Under COBRA

Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Company group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Company 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

1000 Bulbs.com Human Resources 2140 Merritt Dr. Garland, TX 75041 972-535-0941

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 out-of-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-of-network 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 in-network 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-ofnetwork 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-of-network 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-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings 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 employmentbased 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 employmentbased coverage. Also, this employer contribution -as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.

Required Notices

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 1-800-318-2596. TTY users can call 1-855-889-4325.

What about Alternatives to Marketplace Health Insurance Coverage?

If you or your family are eligible for coverage in an employment-based health plan (such as an employer-sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan.

Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www.healthcare.gov/ medicaid-chip/getting-medicaid-chip/ for more details.

How Can I Get More Information?

For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact 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.

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: 1000Bulbs.com

5. Employer Address: 2140 Merritt Dr.

7. City: Garland

4. Employer Identification Number (EIN): 75-2943621

6. Employer Phone Number: 800-624-4488

8. State: TX 9. ZIP Code: 75041

10. Who can we contact at this job?: Cynthia R. Quick, HR Manager

11. Phone Number (if different from above): 972-535-0941

12. E-Mail Address: CQuick@1000Bulbs.com

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/irs-drop/rp-22-34.pdf for 2023.

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

Important Contacts

This brochure highlights the main features of the 1000Bulbs.com 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. 1000Bulbs.com reserves the right to change or discontinue its employee benefits plans anytime.