HRC Open Enrollment Benefits Booklet 2026-27 by Human Rights Campaign

Welcome!

Our people are our most valuable asset.

That’s why we strive to offer an exceptional benefits program to meet your needs and the needs of your family.

Please take time to carefully review the benefits offered before making your elections.

Remember to refer to this guide year-round to ensure you get the most out of your benefits.

BENEFITS OVERVIEW

As a valued Human Rights Campaign employee, you receive competitive compensation and benefits as part of the total value of employment. The following chart shows the type of coverage offered by HRC, the plan name and type along with the name of the individual carrier providing the coverage:

Major Medical Open Access Plus In-Network

Major MedicalOpen Access Plus

Major Medical Open Access Plus with HSA PPO with HSACigna

VENDOR RESOURCES

BENEFIT BASICS

ELIGIBILITY

Employees

You are eligible to participate in our benefits package if you are regularly scheduled to work more than twenty (20) hours per week. Benefits start on the first day of employment.

Dependents

Your legally married spouse or domestic partner and/or any biological, adopted, foster or stepchildren, children of a domestic partner, or any child for whom you are court appointed as legal guardian (up to age 26)

KEY TERMS TO KNOW

Deductibles are the amount you pay for covered health care services before your insurance plan starts to pay.

Co-payments (copays) are the fixed dollar amounts (for example, $30) you pay for covered health care, typically paid at the time of service.

Coinsurance is the percentage of costs of a covered health care service that you pay (for example, 20%) after you’ve paid your deductible.

An out-of-pocket maximum is the most you have to pay for covered services in a plan year before the plan pays 100% of covered expenses for the rest of the plan year. Covered services that count towards the out-of-pocket max include deductibles, copays and coinsurance. Your plan may have a separate Rx out-of-pocket maximum.

Generic drugs contain the same active ingredients as brand-name drugs, but generally are less expensive.

BENEFIT BASICS CONT.

Preferred brand drugs are brand-name drugs that are listed on the plan’s preferred list of prescription drugs.

Non-preferred brand drugs are brand-name drugs that are not included listed on the plan’s preferred list of prescription drugs. These may not be covered under the plan.

Specialty drugs are used to treat certain health conditions. These drugs tend to be a little more expensive.

WHEN CAN YOU MAKE CHANGES TO BENEFITS?

Generally, changes are only allowed under the following circumstances.

Open Enrollment Periods

You may change your election annually during Open Enrollment for an April 1st effective date.

Qualifying Life Events (QLEs / Change in Family Status

Outside of annual Open Enrollment, you may change your benefit elections during the year only if you experience a Qualifying Life Event (QLE). Below are examples of life events that may allow you to make a change. Changes must be made within 30 days of the event.

•Marriage, divorce or legal separation

•Birth or adoption of a child

•Change in your child’s dependent status

•Death of your spouse, domestic partner, child, or other qualified dependent

•Change in residence

•Change in your spouse’s benefits or employment status

BENEFITS SUMMARY

Health Insurance Coverage

Cigna is our group health insurance carrier. We offer individual coverage as well as coverage for dependents and domestic partners who meet the criteria set by Cigna. An affidavit of Domestic Partnership will be required. Premium payments via pre-tax payroll deduction may be required depending upon the employee’s coverage election. Please note that the IRS requires premiums for Domestic Partners be paid on a post-tax basis. The three products offered to you are as follows:

Eligibility: First Day of Employment

Rates Effective April 1, 2026 through March 31, 2027 and are available on company’s intranet page.

Open Access Plus In-Network

• You have the option of choosing a primary care provider (PCP) to guide your care (recommended, but not required).

• You can see a specialist in the Cigna OAP network without a referral.

• For your care to be covered you must use health care professionals and health care facilities in the Cigna OAP network – no out-of-network benefits.

• You have access to Cigna’s national network of labs, x-ray and radiology centers – plus 70% potential savings through in-network national labs (LabCorp or Quest).

• Nationwide in-network coverage for emergency care.

• No deductible for the medical benefits. Note: separate Rx deductible applies.

• You will pay a portion of covered health care costs (typically co-pays) and the plan pays the rest.

• Once you meet an annual limit on your payments –out-of-pocket maximum – your plan pays 100% of covered costs for the remainder of the plan year (Rx co-pays apply).

OAP In-Network bi-weekly pre-tax payroll deductions (includes Vision & Dental insurance):

EMPLOYEES EARNING $65,000 TO $69,999

EMPLOYEES EARNING $70,000 TO $74,999

EMPLOYEES EARNING $75,000+

BENEFITS SUMMARY

Open Access Plus

• You have the option of choosing a primary care provider (PCP) to guide your care (recommended but not required).

• You can see a specialist without a referral.

• Using doctors and health care facilities in the Cigna OAP network may keep your costs lower.

• You can choose doctors or facilities not part of the Cigna OAP network, but your costs may be higher

• Nationwide in-network coverage for emergency care.

• You may pay an annual amount – a deductible –before your health plan begins to pay for covered health care costs. Only services covered by the health plan count toward the deductible.

• Once you meet your deductible, you will pay a portion of covered health care costs and the plan pays the rest.

• Once you meet an annual limit on your payments –out-of-pocket maximum – your plan pays 100% of covered costs.

EMPLOYEES EARNING 75,000+

BENEFITS SUMMARY

Open Access Plus with HSA (Health Savings Account)

• You have the option of choosing a primary care provider (PCP) to guide your care (recommended but not required).

• You can see a specialist without a referral.

• Using doctors and health care facilities in the Cigna OAP network may keep your costs lower.

• You can choose doctors or facilities not part of the Cigna OAP network, but your costs may be higher.

• Nationwide in-network coverage for emergency care.

• You may pay an annual amount – a deductible –before your health plan begins to pay for covered health care costs. Only services covered by the health plan count toward the deductible.

• Once you meet your deductible, you will pay a portion of covered health care costs and the plan pays the rest.

• Once you meet an annual limit on your payments –out-of-pocket maximum – your plan pays 100% of covered costs.

Open Access Plus with HSA bi-weekly pre-tax payroll deductions (includes Vision & Dental insurance):

EMPLOYEES EARNING LESS THAN $59,999

EMPLOYEES EARNING $60,000 TO $64,999

Open Access Plus with HSA bi-weekly pre-tax payroll deductions (includes Vision & Dental insurance):

EMPLOYEES EARNING $65,000 TO $69,999

EMPLOYEES EARNING $75,000+

PRESCRIPTION DRUG PROGRAM

Eligibility: First Day of Employment

Rates effective April 1, 2026 through March 31, 2027

The prescription drug program is included with your health care benefits. This is a four-tier program and there are different co-pays depending on the four tiers. The current co-pays are as follows:

PHARMACY BENEFITS

Suggestions for Saving Money on Prescriptions:

• If you take brand-preferred or non-preferred brand drug, speak with your doctor about switching to a generic drug.

• Many big box retailers (i.e. Target, Walmart, COSTCO, etc) have pharmacies and offer a discounted drug list. If you currently are taking a drug that they offer, you could save money.

• Cigna’s preventive drug list provides certain prescriptions for a $0 copay (including generic antiretroviral therapy, tobacco cessation, metformin, bowel prep, and approved contraceptives for women).

• Consider Cigna’s Mail Service Pharmacy. You can use the program online, by mail or by phone. Call the number on the back of your member ID card and have your medication, doctor’s name/phone number and credit card information ready.

RESOURCES

MYCIGNA ACCOUNT

Access your plan information, view claims, check the drug formulary, and more. Registration is required for MyCigna Account. Visit myCigna.com to register.

CIGNA HEALTHY REWARDS

Cigna Healthy Rewards is a free, comprehensive wellness program included as part of your medical plan. It provides a wealth of customized tools and resources that are easy to use and understand. Get discounts on the health products and programs you use every day for Nutritional Meal Delivery Service, Fitness Memberships and Discounts, Vision Care, Alternative Medicine, Yoga Products and Virtual Workouts.

How It Works

CIGNA ONEGUIDE

Your Cigna One Guide representative will be there to guide you through the complexities of the health care system, and help you avoid costly missteps. Cigna One Guide service provides personalized assistance to help you resolve healthcare issues, save time and money, get the most out of your plan, find the right hospitals and providers in your plan’s network, get cost estimates and avoid surprise expenses, and understand your bill. Call 888.806.5042 to speak to a One Guide representative.

RESOURCES CONT.

MY PERSONAL CHAMPION

A specialized program built specifically to help individuals navigate their gender affirming journey.

RECOVERYONE FOR CIGNA®

RecoveryOneTM for Cigna® is more than physical therapy. RecoveryOneTM for Cigna® is an online physical therapy program that’s included in your health plan benefits. There’s no added cost to you or your covered dependents (ages 18+) to use it. Get started at recoveryone.com/cignaselect

MDLIVE® VIRTUAL CARE

Cigna has partnered with MDLIVE® to offer a suite of convenient virtual care options. Connect with video or phone to MDLIVE’s national network of board-certified doctors, dermatologists, psychiatrists and therapists.

OMADA FOR CIGNA

Digital support focused on reducing the risk of type 2 diabetes and heart disease through healthy weight loss, nutrition, sleep and exercise.

FINALLY PRIMARY CARE WITHOUT

THE WAIT — OR THE WAITING ROOM

With virtual primary care,1 it’s easier to get on the path to better health.

Between your responsibilities at work and in your day-to-day life, you stay busy. And, while you may plan to maintain or even improve your health, it’s not always easy to make time for routine and preventive care. After all, doctors’ appointments traditionally involve time and travel — and that usually means taking time off of work.

Virtual primary care through MDLIVE.® This convenient new option makes it easy to connect to a board-certified primary care physician (PCP) for routine care, plus preventive care with a virtual wellness screening — all on a schedule that works for you.

Best of all, virtual primary care is available to you and your eligible dependents1 as part of your health benefits.

Routine and preventive care that works for you — and with you.

• Connect to care from just about anywhere via video or phone

• Get virtual primary care 7 days a week, 365 days a year, including flexible hours

• Access board-certified physicians for routine care, as well as preventive care with a wellness screening

• Choose your provider and build a relationship with the same PCP for follow-ups

• Receive prescriptions, if appropriate, that can be sent to a local or home delivery pharmacy

• Schedule an appointment through myCigna.com in just minutes

• Undergo labs, blood work and biometrics at local facilities2

• Receive referrals to specialists, when appropriate

3 easy steps to connect to care

Virtual primary care visits are quick, easy and affordable. To schedule an appointment:

Access MDLIVE by logging into myCigna.com and click on “Talk to a doctor.” You can also call MDLIVE at 888.726.3171.

Select virtual medical care

Make an appointment whenever it’s convenient

Appointments are available via video or phone, whenever it’s most convenient for you. Wellness screenings are also available at no additional cost to you or your eligible dependents ages 18+, as part of preventive care.3

1. Cigna provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. Refer to plan documents for complete description of virtual care services and costs. Virtual primary care through MDLIVE is only available for Cigna medical members aged 18 and older.

2. Limited to LabCorp and Quest labs contracted with MDLIVE for virtual primary care.

3. For customers who have a non-zero preventive care benefit, MDLIVE virtual wellness screenings will not cost $0 and will follow their preventive benefit.

IN-OFFICE QUALITY. AT-HOME

PRIVACY AND CONVENIENCE.

Behavioral/mental health virtual care offers both.

With behavioral/mental health virtual care, you get the care and attention you’d expect from an in-office visit, wherever and whenever is most convenient for you. Here’s how it works.

› Talk privately with a licensed counselor or psychiatrist via video or phone.*

› Have a prescription sent directly to your local pharmacy, if appropriate.

To schedule an appointment online, go to myCigna.com. Or, call MDLIVE directly at 888.726.3171.

You can also receive care through Cigna’s network of behavioral health providers.

Cigna Behavioral Health provides access to virtual counseling through its own network of providers.

To find a Cigna Behavioral Health network provider:

› Visit myCigna.com, go to “Find Care & Costs” and enter “Virtual counselor” under Doctor by Type.

› Or, call the number on your Cigna ID card.

Get treated for conditions, such as:

› Addictions

› Bipolar disorders

› Child/adolescent issues

› Depression

› Eating disorders

› Grief/loss

› Life changes

› Men’s issues

› Panic disorders

› Parenting issues

› Postpartum depression

› Relationship/marriage issues

› Stress

› Trauma/PTSD

› Women’s issues

Offered by Cigna Health and Life Insurance Company or its affiliates.

* Cigna provides access to virtual care through national telehealth providers as part of your plan. Providers are solely responsible for any treatment provided to their patients. Video chat may not be available in all areas or with all providers. This service is separate from your health plan’s network and may not be available in all areas or under all plan types. A Primary Care Provider referral is not required for this service.

In general, to be covered by your plan, services must be medically necessary and used for the diagnosis or treatment of a covered condition. Not all prescription drugs are covered. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. See your plan materials for costs and details of coverage, including other telehealth/telemedicine benefits that may be available under your specific health plan.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Cigna Behavioral Health, Inc., and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Policy forms: OK – HP-APP-1 et al. (CHLIC); OR – HP-POL38 02-13 (CHLIC); TN – HP-POL43/HC-CER1V1 et al. (CHLIC), GSA-COVER, et al. (CHC-TN). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

DERMATOLOGY CARE WITHOUT THE LONG WAIT

With virtual dermatology1 through MDLIVE®, care is just a few clicks away.

When you need to see a dermatologist, it’s important to receive that care and treatment promptly — especially if you’re dealing with a rash, suspicious spot or other condition. But far too often, it may take weeks, even months, to get an in-person visit with a dermatologist.

Now you can access Virtual Dermatology through MDLIVE.® This convenient new option makes it easy to connect to a board certified dermatologist — all without the long wait. There’s no appointment required. Best of all, access to virtual dermatology care is available to you and your eligible dependents as part of your health benefits.

Convenient treatment for many of the most common skin, hair and nail conditions, including:

• Acne

• Rashes

• Eczema

• Dermatitis

• Psoriasis

• Suspicious spots

• Rosacea

• And more

Approximately one in five Americans will develop skin cancer in their lifetime.2

An estimated more than 14 million people in the U.S. have rosacea.3

Access MDLIVE by logging in to myCigna.com, clicking on “Talk to a doctor,” then selecting virtual medical. No appointment is necessary.

Choose a provider and describe your dermatology concern and upload photos.

Get a diagnosis and treatment plan, usually within 24 hours.4

Prescriptions will be sent directly to your preferred local or home delivery pharmacy, if appropriate.

Have follow-up questions? Message the dermatologist for 30 days after the visit at no additional cost.

Virtual dermatology through MDLIVE is available to you the next time you need convenient dermatology care.

Together, all the way.®

1. Cigna provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. Refer to plan documents for complete description of virtual care services and costs. Virtual dermatological visits through MDLIVE are completed via asynchronous messaging. Diagnosis requiring testing cannot be confirmed. Customers will be referred to seek in person care.

2. Skin Cancer Facts & Statistics: What You Need to Know. January 13, 2021. https://www.skincancer.org/skin-cancer-information/skin-cancer-facts/

3. Rosacea. Accessed September 14, 2021. https://www.hopkinsmedicine.org/health/conditions-and-diseases/rosacea.

4. Treatment plans will be completed within a maximum of 3 business days, but usually within 24 hours.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

HEALTHY CHOICES DESERVE HEALTHY DISCOUNTS

Start saving today with Cigna Healthy Rewards®*

Just use your Cigna ID wallet card when you pay and let the savings begin.

Get discounts on the health products and programs you use every day for:

› Nutritional Meal Delivery Service

› Fitness Memberships and Devices**

› Vision Care, Lasik Surgery, Hearing Aids

› Alternative medicine

› Yoga Products and Virtual Workouts**

Real brands. Real discounts. Real easy.

Log into myCigna.com and navigate to Healthy Rewards Discount Program or call 800.870.3470

* Healthy Rewards is a discount program. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. If your health plan includes coverage for any of these services, this program is in addition to, not instead of, your plan benefits. Healthy Rewards programs are separate from your your plan benefi ts. A discount program is NOT insurance, and you must pay the entire discounted charge. All goods, services and discounts offered through Healthy Rewards are provided by third parties who are solely responsible for their products, services and discounts.

** Fitness Membership and Devices along with Yoga Products and Virtual Workouts can only be accessed by login into myCigna.com and navigating to Healthy Rewards Discount Program.

For Cigna customers who don’t have access to myCigna.com and want an Active&Fit Direct™ gym membership:

› Call 800.870.3470; and

› Press 3 to be transferred to a customer service agent.

Brought to you by Cigna Healthy Rewards™

Welcome! As a Cigna customer, you have access to discounted Fibit devices. This guide will walk you through the simple steps to purchasing your new discounted Fitbit device at a preferred price and how to set it up.

Order your discounted Fitbit by visiting myCigna.com

click Wellness and then Exercise

ORDER YOUR DEVICE

STEP 1

Visit myCigna.com

STEP 2

Navigate to Wellness, scroll down to Fitness and click the Fitbit tile

STEP 3

Select the device of your choice, proceed to checkout, and look out for an order confirmation email from orders@fitbit.com

SET UP YOUR DEVICE

Before getting started, make sure your smartwatch and mobile phone are charged and that the Bluetooth setting on your phone is turned on. (iOS: Tap Settings > Bluetooth; Android: Tap Settings > Connections > Bluetooth)

STEP 1

Download the Fitbit mobile app and login or create an account using an email address and password of your choice.

STEP 2

Once you've logged in to the Fitbit app, tap on the Account icon. Then select + Set Up a Device.

STEP 3

Select your device and follow the in-app prompts to complete the setup process. Tip: If possible, use a Wi-Fi connection to help speed up device setup.

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With the ChooseHealthy ® program, offered by your health plan, you can save more on specialty provider services and be empowered live better every day.

Alternative Medicine Practitioners

Practitioners are verified according to health plan and accreditation standards. This process includes primary source verification with third parties to validate that the provider holds an active license/registration/certification in good standing. Information is collected and reviewed regarding a provider’s proper education and training, adequate insurance, sanctions or exclusions from Medicare/Medicaid, and/or no history of unprofessional conduct.

All this information is then reviewed by a credentialing review committee that includes same-specialty practitioners and medical physicians prior to adding them to our network. In addition, these credentials are routinely monitored regularly to ensure there are no adverse changes to practitioner’s status.

Check out the 7 types of services that are offered to you at a discount of up to 25% off usual or customary fees:

Acupuncture

Acupuncture is an ancient healing technique that can help correct imbalances in the body caused by a variety of illnesses or conditions, resulting in pain relief and better health.

Acupuncture includes examination/evaluation to assess the cause of pain and provides treatment to reduce pain. This treatment is also used to treat nausea and other conditions. Insertion of very fine needles into acupuncture points stimulate the body to improve health.

Clinical Credentials:

Holds a Master’s in Acupuncture degree and an active acupuncture state license.

2 Chiropractic

Chiropractors use their hands to manipulate the joints and tissues of the spine. Relief from pain, better mobility, and improved circulation are proven benefits of chiropractic methods.

Chiropractic includes examination to diagnose underlying musculoskeletal conditions and uses manual therapy (manipulation), physiotherapy, and/or exercise rehabilitation to reduce pain, and improve mobility and function which are proven benefits of Chiropractic care.

Clinical Credentials:

Holds a Doctor of Chiropractic degree and an active chiropractic state license.

3 Therapeutic Massage

A variety of massage techniques can help soothe muscles, improve blood flow, and relieve pain naturally. Therapeutic massage can also help reduce stress and relax the body and mind.

Therapeutic massage provides assessment of muscle and joint function, and provides therapeutic manual pressure to the muscles, fascia, and tissues of the body to soothe muscles, reduce spasms, and improve circulation to help relieve pain and improve function.

Clinical Credentials:

Holds a certificate from a Therapeutic Massage training program and an active local or state massage certificate or license

Physical Therapy

Physical therapists (PTs) are trained to identify and treat a wide range of injuries and pain. PTs also teach healthy habits, safe posture, and safe ways of moving to help you better cope with pain.

Physical therapy provides assessment of musculoskeletal conditions, implements rehabilitative exercises and other therapeutic interventions, teaches patients about how to promote healing and recovery from joint or spine surgeries, and how to improve strength, mobility, and function to prevent future injury.

Clinical Credentials:

Holds a Physical Therapy degree and an active state physical therapy license.

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Occupational Therapy

Occupational therapists (OTs) help people who have been impaired by injury or disability. They work with patients to develop, recover, and improve everyday skills with their lives.

Occupational Therapy focuses on physical or mental illness to assess function and provide rehabilitation through the performance of activities required in daily life. Recovery of hand and arm function are common conditions treated, but many other conditions are treated as well.

Clinical Credentials:

Holds an Occupational Therapy degree and an active state occupational therapy license.

Podiatry Registered Dietitian

Podiatrists are foot doctors who can pinpoint and treat foot, ankle, and lower leg problems. This may be helpful since these problems can sometimes cause symptoms in other parts of the body.

Podiatry provides examination of the foot and ankle with a focus on diagnosing, treating, and preventing conditions with rehabilitation and/or surgery to resolve problems associated with the foot and ankle, including injury, bunions, diabetic foot care, and many other conditions.

Clinical Credentials:

Holds a Doctor of Podiatric Medicine and an active state podiatric medical license

Nutrition experts teach you about foods that can help boost your health and well-being. They can also tailor a plan to help you better cope with specific medical conditions like diabetes and heart disease.

Registered Dietetics is the assessment of nutritional needs by food and nutrition experts who can tailor a nutritional plan to the specific medical and nutritional needs of a patient. Dietetics address nutrition for illnesses such as diabetes, and assist with improved eating choices for general health.

Clinical Credentials:

Holds a Masters in Nutritional Science and an active state medical nutrition therapy, dietetics, or other nutrition license.

Health Advocate provides support for healthcare and insurance issues, finds qualified doctors and hospitals, and most importantly helps to resolve complex benefits and claims issues. Membership in Health Advocate is provided to you by the Human Rights Campaign at no cost.

PPO DENTAL

Eligibility:

First Day of Employment

At the time of service, you may choose either a PPO participating dentist or any non-participating dentist. With the PPO plan, savings are possible because the PPO participating dentists have agreed to provide care at a negotiated fee schedule. Non-participating benefits are subject to reasonable and customary charge limits.

Dental coverage includes:

BENEFIT DESCRIPTION

Class I: Preventive & Diagnostic Care

Oral Exams, Cleanings, Bitewing and Full Mouth X-Rays, Fluoride (dependents to age 19), Sealants, Space Maintainers (limited to nonorthodontic treatment)

Annual Plan Year Deductible

Applies to all Services except Preventive Annual Plan Year Maximum Benefi

Class II: Basic Restorative Care

Periodontal Maintenance, Emergency Palliative Treatment, Amalgam & Composite Fillings, Simple Extractions, Root Canals

Class III: Major Restorative Care

Crowns , Dentures, Bridges, Periodontal Root Planning & Scaling or Surgery, Surgical Extractions, Repairs (Crowns), Implants, General Anesthesia

Class IV: Orthodontia

Dependent children & Adults have coverage for braces & orthodontic care. Lifetime Maximum: $1,500

$25 per Individual / $75 per Family

per person

VISION PLAN

Did you know that without vision coverage, an exam and prescription glasses can cost $300 or more? With VSP, you’ll save!

Eligibility:

First Day of Employment

Rates effective April 1, 2026 through March 31, 2027

Lenses

• $250 allowance for a wide selection of frames

• $270 allowance for featured frame brands

•20% savings on the amount over your allowance

•Covered in full

•Single Vision, Lined Bifocal, Lined Trifocal and progressive lenses

•Polycarbonate lenses for dependent children

•Add’l co-pays may apply for lens enhancements

• $200 allowance for contacts; co-pay does not apply

•Single Vision LensesUp to $50

•Lined Bifocal LensesUp to $75

•Lined Trifocal LensesUp to $100 Every

•Contact lenses exam (fitting and evaluation) up to $60 co-pay Up to $105 Every 12 Months

$250 allowance for ready-made non-prescription sunglasses, or ready-made non-prescription blue light filtering glasses, instead of prescription glasses or contacts

FLEXIBLE SPENDING ACCOUNTS (FSA)

Lower your health care out-of-pocket expenses by about 1/3... by paying for them with TAX-FREE DOLLARS.

Enroll in a Healthcare Flexible Spending Account (FSA) plan. It’s simple: you set aside a certain amount of money through payroll deduction, and it is automatically protected from taxes. Then, you reimburse yourself for health, dental and vision care expenses with the tax-free dollars.

Use a debit card to pay for your FSA expenses, or use a variety of easy ways to request reimbursement.

For those on an HSA plan, Enroll in a Limited Purpose Flexible Spending Account (LPFSA) plan to set aside additional money for your vision and dental expenses.

Working parents will love the Dependent Care Flexible Spending Account (FSA) program. You can protect a portion of your paycheck from taxes, and use that tax-free money to pay for your out-ofpocket dependent care expenses. By avoiding tax on your out-of-pocket dependent care expenses, you can save 30% or more on those expenses.

For those who commute to work, you will love our Parking and Transit Flexible Spending Accounts (FSAs). You could save up to 40% on your commuting or parking expenses by setting aside those pre-tax dollars. For DC based employees, please remember that we have SmartTrip benefits for metro commuters.

Eligibility: First Day of Employment

EMPLOYEE ASSISTANCE PROGRAM

–LIFE SERVICES TOOLKIT

Confidential, short-term outpatient counseling services are offered at no cost to help resolve personal problems such as parenting concerns, marriage and family distress, financial, alcohol and drug abuse, emotional stress, and other life crises.

Eligibility: First Day of Employment

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

Basic Life and Accidental Death & Dismemberment (AD&D) is at one-times your annual salary to a maximum of $500,000 and is paid 100% by the Human Rights Campaign. Voluntary purchase of additional Life/AD&D coverage amounts is also available; see below.

Eligibility: First Day of Employment

SHORT-TERM DISABILITY INSURANCE

After 14 days of continuous disability, on the 15th day this policy pays you a weekly benefit of 60% of your salary up to a maximum of $2,000.00 per week. Maximum benefit period of 90 days. HRC pays 100% of the premium.

Eligibility: First Day of Employment

LONG-TERM DISABILITY INSURANCE

After 90 days of continuous disability, this policy pays you 60% of your monthly salary, up to a maximum of $15,000 per month. HRC pays 100% of the premium.

Eligibility: First Day of Employment

VOLUNTARY LIFE AND AD&D

Regular full-time employees have the opportunity to choose between $10,000 and $500,000 of term insurance in $10,000 increments for self and spouse or domestic partner. Voluntary life insurance of up to $10,000 for children is also available. A guaranteed issue for voluntary life between $10,000 and $200,000 is in effect for you and for your spouse up to $50,000 within your first thirty days of hire. After thirty days, evidence of insurability will be required for any amount of voluntary life you choose to purchase.

Eligibility: First Day of Employment

FAMILY CARE

FAMILY AND MEDICAL LEAVE

HRC supports the District of Columbia Family and Medical Leave Act of 1990 (“DC FMLA”) and incorporates the DC FMLA as its family and medical leave policy. Some of the important terms and conditions of the DC FMLA are summarized below. In all cases, however, the terms an conditions of the DC FMLA shall govern.

ELIGIBLE EMPLOYEES

To be eligible for family and medical leave, you must be employed by HRC for at least one year without a break in service and have worked at least 1,000 hours during the 12 month period immediately preceding the request for family or medical leave.

LEAVE ENTITLEMENT

Two distinct types of leave are available under this policy: (i) unpaid family leave, for certain events within the employee’s family and (ii) unpaid medical leave, for the employee’s own serious health condition. The total leave entitlement available under this FMLA policy is sixteen (16) workweeks.

FAMILY LEAVE/PAID PARENTAL LEAVE

An eligible employee is entitled to up to 16 paid workweeks of family leave during any 24 month period for:

1.the birth of a child;

2.the placement of a child with the employee for adoption or foster care;

3.the placement of a child with the employee, for whom the employee permanently assumes and discharges parental responsibilities; and

4.the care of a family member with a serious health condition. The entitlement to family leave under (1) through (3) above expires twelve (12) months after the birth of the child or placement of the child with the employee. For the purpose of family leave, the definition of family member is: Someone to whom the employee is related by blood, legal custody,

FAMILY CARE

CONT.

marriage or registered domestic partnership or civil union; a child who lives with an employee and for whom the employee permanently assumes and discharges parental responsibility; and a person with whom the employee shares or has shared, within the previous year, a mutual residence and with whom the employee maintains a committed relationship. A “committed relationship” is demonstrated by such factors as, but not limited to: Mutual economic interdependence including joint bank accounts, joint tenancy, shared lease, and joint and mutual financial obligations such as loans, domestic interdependence including close association, public presentment of the relationship, exclusiveness of the intent of the relationship as evidenced by a will or life insurance.

MEDICAL LEAVE

An eligible employee is entitled to up to 16 paid workweeks during any 24 month period, for instances when the employee becomes unable to perform the functions of their position. The medical leave expires when the employee again becomes able to perform the functions of the position. For purposes of both family leave and medical leave, the definition of serious health conditions is the same: A physical or mental illness, injury or impairment that involves inpatient care in a hospital, hospice or residential health care facility or continuing treatment or supervision at home by a health care provider or other competent individual.

INTERMITTENT LEAVE

Medical leave, and family leave to take care of a family member with a serious health condition, may be taken intermittently when medically necessary. However, the employee must provide HRC with reasonable prior notice and make an effort to schedule the treatment or supervision in a manner that does not unduly disrupt the operations of HRC.

CALCULATION OF LEAVE AVAILABLE

HRC calculates the amount of medical leave available to an employee on a “rolling” basis measured backwards from the date that an employee takes any medical leave.

FAMILY CARE CONT.

NOTICE OF INTENT TO TAKE LEAVE

In general, where the need for family and medical leave is foreseeable, the employee is required to provide HRC with thirty (30) days’ notice of the intent to take leave. Where the leave is not foreseeable, the employee is required to provide notice upon the discovery of the need for leave, or as soon as possible thereafter.

RELATIONSHIP TO PAID LEAVE

An employee taking family leave can elect to use paid vacation, personal, compensatory or parental leave provided by HRC as part of the leave period, which HRC will count against the sixteen (16) workweeks of family leave available. The employee can also apply for short-term disability and state leave. Any paid sick leave provided by HRC that the employee elects to use for medical leave will count against the sixteen (16) workweeks of medical leave available. If the employee depletes all of their leave on approved FMLA, as well as any available state and local family leave benefits, HRC will provide the employee with sick leave donation. Essentially the employee will have 16 weeks of paid leave.

CERTIFICATION OF A SERIOUS HEALTH CONDITION

When an employee requests medical leave due to their own serious health condition or requests family leave due to the serious health condition of a family member, HRC may require the employee to provide a certification from a health care provider. The certification must include:

1.the date the serious health condition commenced;

2.the probable duration of the condition; and

3.the facts which would entitle the employee to leave. For medical leave, the certification must also include a statement that the employee is unable to perform the functions of their position.

For family leave, the certification must also include an estimate of the amount of time needed by the employee to care for the family member. HRC’s right to require certification exists not only at the time leave is requested, but extends to anytime during the leave.

FAMILY CARE CONT.

RESTORATION TO POSITION

Upon return from family or medical leave, with a doctors note, an employee will be restored to the position they held at the time leave commenced or to a position having equivalent benefits, pay, seniority and conditions of employment. While the employee will not lose any benefit or seniority accrued prior to the taking of leave, the employee will not accrue benefits or seniority during the leave period. In general, the employee is not entitled to any right, employment benefit or position of employment other than that to which the employee would have been entitled had they not elected FMLA leave.

BENEFITS DURING PERIOD OF LEAVE

HRC will maintain coverage under the group health, life and long-term disability insurance plans, and the 401k plan for an employee on family or medical leave, at the same level and under the same conditions that coverage would have been provided had the employee not taken leave. Employee will have to reimburse HRC for the employee portion of the premium while on unpaid leave.

Carrot

Carrot is an HRC sponsored benefit that provides flexible financial coverage and expert care navigation across the U.S. and 60+ countries. The Carrot program covers fertility education and assessments, fertility preservation (egg, sperm, and embryo freezing), in-vitro fertilization (IVF), donor-assisted reproduction (including surrogacy), and adoption. Employees, employee spouses and/or domestic partners are eligible to participate in the Carrot program on the first day of employment provided that the employee is full-time and benefits-eligible (scheduled to work 20+ per week). This plan will integrate with your Cigna medical plan, if enrolled in that plan. The benefit will provide reimbursement up to $5,000 per plan year. Employees do not need to be enrolled in HRC’s medical plan to take advantage of Carrot benefits. Please contact People Strategy for additional information.

COVERED TREATMENTS AND SERVICES

All benefits eligible employees will have a plan year maximum of $5,000 available.

MEDICAL EXPERT SPECIALTIES AND TOPICS

KEY THINGS TO REMEMBER

GENDER AFFIRMING CARE

We understand that insurance can be difficult, that is why Cigna is changing the way we deliver care to our transgender, gender expansive, and non-binary member populations.

We do this by:

•Working with our transgender, gender expansive, and non-binary members to assist in navigating and getting the most from their insurance benefits.

•Covering medically necessary procedures for transition and gender related care including:

•Gender-affirming surgeries

•Lab Testing

•Routine Medical Care

•Mental Health Care

•Hormone Therapies

•Behavioral Health Support

•Family Planning and Support

•Pediatric Transgender and Nonbinary Care

•Educating our providers on appropriate care and competencies for the gender-diverse member population.

•Delivering resources for providers and case managers to adequately manage and address concerns for our gender-diverse member populations.

•Providing ongoing training for Cigna associates that reinforces the importance of using members’ preferred pronouns and names.

WE’RE ON TEAM YOU

My Personal Champion Gender Affirmation Support Program

At Cigna, we believe everyone deserves to live their healthiest life.

Your gender affirmation journey is a personal one. And Cigna is here to support, respect and help you at every step as you become your best self. The My Personal Champion® Gender Affirmation Support Program is part of that.

Direct access to your personal champion

You’ll be assigned a Personal Champion and given access to their direct phone line. So every time you call, you’ll speak with the same person who knows you, your history and your health needs.

Your Personal Champion is here to:

› Partner with you and your providers to help identify your best options so you can make the most informed decisions for yourself

› Help you understand your benefits and what’s covered by your plan

Contact the Gender Affirmation Support Team to get connected with your Personal Champion today.

› Connect you to the right care teams and resources based on your needs

› Coordinate care for pre and/or post-surgery

› Put you in contact with in-network and experienced LGBTQ+-friendly providers

› Arrange transportation to and from appointments related to your procedure

› Locate community support and resource groups

› Provide social and medical transitioning support and more

855.699.8990 Monday – Friday, 8:00 am – 6:00 pm ET.

If calling after hours, please leave a message and a team member will get back to you soon.

All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of the Cigna Group.

Gender-affirming care with Carrot

Carrot Fertility provides inclusive fertility, hormonal health, and family-forming benefits.

This includes support and financial coverage for gender-affirming care. Finding expert providers can be challenging, and barriers to receiving care — such as “proving” gender identity — are common. Carrot is here to help.

Visit get-carrot.com/learn-more to claim your benefit and start exploring the gender-affirming care resources available, including the funds your employer has provided to help pay for eligible care and services.

Claim your benefit

Use the Carrot benefit to:

• Pay for eligible care and services, such as in-person and virtual provider visits and consults, gender-affirming hormone therapy (GAHT) medications, and more*

• Find Carrot-eligible GAHT providers and trans health centers

• Talk with Carrot medical experts like GAC and emotional well-being specialists, as often as needed, at no cost to you — 99% of members rate these conversations 4.9 out of 5 stars

• Simplify your care with Carrot Rx®, Carrot’s online pharmacy that offers competitive pricing and delivers GAHT medications right to your door

Digital healthcare memberships

In addition to using your Carrot funds to pay for provider visits and medications, use funds to cover eligible expenses for genderaffirming digital healthcare services like Folx and Plume.

These include:

• Digital healthcare memberships

• Telemedicine visits for gender-affirming hormone therapy (GAHT)

• Virtual primary care consults specific to GAC with LGBTQ+specialized providers

• Confidential support groups

Learn what memberships include and what other services are covered after signing in to your account and exploring your benefit guide

What’s next?

*Note: Your Carrot benefit does not include coverage for gender-affirming surgery.

Menopause and low testosterone (low T) support with Carrot

Menopause symptoms like hot ﬂashes, fatigue, and trouble sleeping can be distracting, disruptive — and last for years. While lesser known, 40% of males over the age of 45 have low T, and up to 20% of those between the ages of 15 – 39 may also have a testosterone deficiency. Yet these conditions are hardly ever discussed in the workplace or even the doctor’s office.

As a result, limited resources exist to support people through these years of dramatic hormonal changes that can impact them physically, mentally, and emotionally. Symptoms can lower quality of life, reduce job performance, and impair daily activities — but finding the right support can be challenging, and misinformation around menopause and low T is common. Carrot is here to help.

Visit get-carrot.com/signup to claim your beneﬁt today and start exploring the menopause and low T resources available.

Claim your benefit

Find a menopause or low t specialist

We know that finding a provider experienced in menopause and low T isn’t easy. The Carrot Care Team can help. We have a robust network of providers who specialize in menopause or low T to help you get the right care, from the right specialist, at the right time.

Get expert guidance when you need it

Members can schedule unlimited 1:1 virtual chats with menopause and low T specialists — 99% of members rate Carrot’s expert chats 4.9 out of 5 stars. You also have access to a library of trusted educational resources so you can spend less time searching online and learn at your own pace.

Join online group sessions for education and support

Carrot brings members together for intimate, medical expert-guided group discussions on common topics like managing symptoms and evidence-based treatment options. These anonymous Zoom sessions educate while breaking down the culture of silence around menopause and low T to help people feel more supported, informed, and heard

What’s next?

Visit get-carrot.com/signup to claim your benefit today and start exploring the menopause and low T resources available.

Questions? Visit get-carrot.com/employee-support to connect with your Care Team.

Free Calm Subscription

The world’s #1 app for sleep, meditation and relaxation

Millions of people are experiencing lower stress, less anxiety, improved focus and more restful sleep with Calm. Whether you have 30 seconds or 30 minutes, Calm content is made to suit your schedule and needs.

Once on the page:

To activate your subscription, visit: https://www.calm.com/b2b/hrc/subscribe

This must be done on a web or mobile browser (not in the app itself).

● Sign in to your existing Calm account or create an account

● Enter your work email in the box provided to activate the subscription on your Calm account

● Download the Calm app and log in to your account to access the premium content

● Once you’ve signed up, you can add up to 5 dependents (age 16 years or older) via the “Manage Subscription” page inside your Calm account at www.calm.com

KIDS SLEEP MUSIC

Getting started with counseling

Welcome to Talkspace

Talkspace is a digital space for private and convenient mental health support. With Talkspace, you can choose your therapist from a list of recommended, licensed providers and receive support day and night from the convenience of your device (iOS, Android, and Web).

How it works

Our members can begin to exchange unlimited messages (text, voice, and video) with their personal therapist immediately after registration. Therapists engage daily, five days per week, which often includes weekends. Every Talkspace member is granted a complimentary, 10-minute video session to get to know their new therapist. Additional video sessions can also be scheduled.

You will continue to work with the same therapist throughout your journey. However, you’re always welcome to switch providers so you can find the perfect fit. Talkspace’s clinical network features thousands of licensed, insured, and verified clinical professionals with specialties ranging from behavioral to emotional and wellness needs, including:

Stress Anxiety Depression Relationships

Healthy living

Trauma & grief

Eating disorders

Substance use

Sleep

Identity struggles

Chronic issues And more

Ready to get started

Visit talkspace.com/EAPCigna

Complete our QuickMatch™ survey

Review your best matches and choose your personal therapist

To access counseling through Talkspace at no cost for your available EAP sessions per issue during the year, you'll need an EAP Code from Cigna EAP Simply call Cigna at 877.622.4327 or go to your EAP Coverage Page on myCigna.com for live chat or self service.

Talkspace can work for you. In a study of 10,000 member participants, 70% experienced significant symptom improvement and 50% fully recovered after 12 weeks of regular engagement with their Talkspace therapist. La aplicación Talkspace no se encuentra disponible actualmente en español. Si necesita ayuda para encontrar un proveedor bilingüe, envíe un

Happify’s science-based games and activities can help.

At Cigna, we’re committed to helping you take control of your health – and that includes your emotional health. That’s why we’re partnering with Happify, a free app with science-based games and activities that are designed to help you:

› Defeat negative thoughts

› Gain confidence

› Reduce stress and anxiety

› Increase mindfulness and emotional well-being

› Boost health and performance

Using Happify is fun, free, quick and easy.

This will help determine which games and activities suit you best.

Aim for few minutes a day, 2–3 days a week. There are 60+ interactive programs available, including selfreflection activities, articles, audio content, webinars and more.

Each month, you can enter for a chance to win valuable prizes.* Of course, the most valuable reward is building the skills that can help you improve your mood, your outlook and your health.

Keep going (and smiling)

There’s always room for more. Keep at it and it will help you continue to build resilience and better emotional health.

*NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW. RESTRICTIONS MAY APPLY. Sponsor: Happify, Inc. 821 Broadway, 5th Floor, New York, NY 10003. For Official Rules, visit www.cigna.happify.com/happify-sweepstakes-official-rules.

**The downloading and use of the Happify mobile app is subject to terms and conditions of the app and the online stores from which it is downloaded. Standard mobile phone and data usage charges apply. The Happify website and mobile app are for educational purposes only. They do not provide medical advice tailored to you in any way. They do not constitute medical advice and are not a substitute for proper medical care provided by a physician. Do not rely on the website or app information as a tool for self-diagnosis. Always consult with your doctor for appropriate examinations, treatment, testing and care recommendations. Happify, Inc. is an independent company and is solely responsible for its products and services. Cigna makes no representations or warranties as to the quality or accuracy of the information provided on the Happify website or mobile app. Cigna assumes no responsibility and shall have no liability under any circumstances arising out of the use or misuse of such products.

Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Cigna Behavioral Health, Inc., and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

OVERCOME WHATEVER LIFE SENDS YOUR WAY

With iPrevail, an innovative program now offered through Cigna.

How does iPrevail work?

iPrevail is a digital therapeutics platform, designed by experienced clinicians to help you take control of the stresses of everyday life and challenges associated with life’s difficult transitions. iPrevail helps you:

Using your computer or smartphone, start by signing up for iPrevail on myCigna.com

1.Take an assessment

An easy intuitive process. See your results, then view what programs and support are right for you.

2.Start your program

Customized to meet your needs. Interactive video lessons, 1:1 coaching, support communities and online wellness activities. Engage at your own pace.

3.Earn rewards for getting healthier

We are invested in helping you build healthier habits and feel better. Earn points toward Amazon.com gift cards on iPrevail.*

4.Health maintenance

Enroll in additional health programs. Continue connecting with coaches and other users in lively support communities.

of participants saw improvement after engaging in their personalized program.** 79%

› Overcome feelings of anxiety and loneliness

› Reduce negativity and feelings of depression

› Decrease stress from relationships, work, school and daily life

› Build resilience and positivity

See the frequently asked questions on the back of this flyer.

How does the program work?

Start by signing up for iPrevail on myCigna.com

After completing a short quiz, you will be matched with a personalized support program.

Each week you will cover a new concept, with new social and clinical activities. You can send messages to your coach and others, day or night, 24/7.

How frequently should I use iPrevail?

› For peak results, iPrevail recommends you complete one level per week

› Each level should take around 15 minutes

Is there science behind iPrevail?

iPrevail’s digital therapeutic programs were developed by health care providers. Over the years, iPrevail has conducted many clinical trials. iPrevail is designed to decrease feelings of posttraumatic stress disorder, anxiety and depression.

iPrevail was originally created to help U.S. military servicewomen and servicemen overcome trauma experienced while serving our nation.

Why does this matter?

Your emotional health can impact your overall health and well-being. It can also affect your friends and loved ones.

With iPrevail, you can get help overcoming stress, anxiousness, loneliness and more. iPrevail provides tools and support to help you manage and control your thought patterns and emotions, with the goal of improved relationships and a happier and stronger you.

HOW DO I GET STARTED?

Visit myCigna.com.

* Amazon.com gift card/code terms and conditions apply. Cigna is not responsible for lost or stolen gift cards/codes. Incentives may be subject to taxes. Contact a tax professional for details. ** Based on a clinical trial, Prevail Health Solutions, 2018.

Registering on and using iPrevail is subject to terms and conditions. Standard mobile phone and data usage and charges apply. iPrevail’s website and mobile app are for educational purposes only. Services do not provide medical advice or treatment and are not a substitute for medical assessments, treatments and licensed medical care. Information presented by iPrevail is not to be used for self-diagnosis. Always consult with your doctor regarding treatment, testing and medical advice. Prevail Health Solutions is an independent company and is solely responsible for its products and services. Cigna makes no representations or warranties as to the quality or accuracy of the information provided on the iPrevail website or mobile app. Cigna assumes no responsibility and shall have no liability under any circumstances arising out of the use or misuse of such products.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Cigna Behavioral Health, Inc., and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc. (CHC-TN), and Cigna HealthCare of Texas, Inc. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. 924089 03/20 © 2020 Cigna. Some content provided under license.

Let us help you ﬁnd a licensed therapist who accepts your insurance and is available to see you in-person or for an online video session.

Answer a few questions

Go to sondermind.com/coveredcare and click on “Match with a Therapist”. Take a brief questionnaire to help us ﬁnd the best therapist for you.

Receive your matches

Our team carefully selects up to two therapists best suited to your needs. Want more options? Request a rematch at any time!

Choose your therapist

After picking your therapist, they’ll reach out to schedule your ﬁrst appointment.

Save money with insurance

We’ll save you money by only selecting our therapists who take your insurance.

Need more information or have a few questions? Talk to a Wellness Coordinator at (844)THERAPY, Monday - Friday 7 AM - 7 PM MT and Saturday 8 AM - 5 PM MT.

It’s only been a few sessions, and my child is already starting to recognize when their anxious thoughts might be ‘false alarms.’

-Brightline parent

Schedule your first appointment with no wait list How to

1 2 3 4

Easily and quickly sign up at hellobrightline.com/benefits

Create an account and access Brightline Connect+

Answer a few questions so we can get you the right care

NO MORE QUESTION MARKS

THE RIGHT CARE AT THE RIGHT TIME

We get you answers and support at every step, from check-ins with your child’s therapist to regular progress updates. Our expert care teams work with you on personalized care plans that work for your child and for you.

VIRTUAL CARE FROM ANYWHERE

Access confidential video visits plus on-demand chats, tips & resources, and interactive exercises in Brightline Connect+.

401(K) INVESTMENT/ RETIREMENT ACCOUNT

To help you achieve your long term retirement goals, HRC offers a 401(k) plan:

•Upon eligibility, employees may elect to make tax defer red contributions to the plan. Employees are 100% vested in their tax deferred contributions.

•Upon eligibility, new employees will be automatically enrolled in the plan, contributing 5% of their pay, unless they go online and choose a different percentage.

•After 90 days of service, HRC will contribute 3 % of your salary, THEN MATCH 1/2 of the first 5% you contribute.

•Employees may make Roth 401(k) contributions if they choose to.

•Sign up at www.principal.com. HRC’s group number # 459589.

Eligibility: First of the month following 90 days for both employee deferrals and Safe Harbor contribution

EMPLOYER CONTRIBUTION

The employer contribution is calculated against quarterly earnings. All employer contributions are funded on a quarterly basis.

CONTRIBUTION LIMITS

The IRS imposes several limits on the amount that can be contributed to your 401(k) plan account in a year.

PRE-TAX CONTRIBUTION

The maximum pre-tax amount you can contribute each year to your 401(k) plan account is determined by the IRS.

This amount is your IRS pre-tax limit for the given year even if you work for more than one employer.

There are several different limits that apply to a 401(k) plan in addition to the overall contribution limit. These limits could result in a contribution limit less than that specified by the IRS.

CATCH-UP CONTRIBUTIONS

If you will reach age 50 or older during the calendar year January 1-December 31 and are making the maximum Plan or IRS pretax contribution, you may make an additional “catch-up” contribution each pay period.

2026 Catch-up Limit: $8,000 annually

Certain restrictions may apply to withdrawals from the plan. Details of any restrictions may be found in the plan document.

OTHER BENEFITS

•Through a payroll deduction, you can buy transit fare (and parking fees at Metro parking lots) through SmartBenefits with pre-tax income.

•Each month, the dollar value of your monthly commuting benefit is conveniently added directly to your SmarTrip® card.

•Visit www.wmata.com for more details.

SmartBenefits is available to Washington Metropolitan area staff only.

PAID TIME OFF

The Human Rights Campaign understands the importance of having a well-balanced life on and off work. We offer time-off programs that are market competitive including time off for vacation, sick, personal, Military Duty, Jury Duty, and Sabbatical Leave. We also offer telecommuting options for those positions that are eligible.

VACATION LEAVE

Employees earn three weeks (112.50 hours) of vacation for the first two years of employment. Four weeks (150 hours) starting with the third year of employment.

Vacation is accrued in hours each pay period. Eligibility: After 90 Days of Employment

PERSONAL LEAVE

Regular full time employees receive four personal leave days per calendar year. Cannot carry over.

Eligibility: Immediately

SABBATICAL LEAVE

HRC’s Sabbatical Program offers four (4) weeks of consecutive paid time off with full benefits to individuals after each seven (7) years of full-time continuous employment.

SICK LEAVE

Employees earn one day per month with a maximum accrual of thirty days. Sick leave is accrued in hours each pay period. Eligibility: Once hours have accrued

ADDITIONAL LEAVE

Eleven Federal holidays and occasional office closings. Holidays Days Eligibility: Immediately

NOTE: HRC follows the Federal government regarding closings and delayed arrivals for inclement weather.

EMPLOYEE DISCOUNTS

TSA PreCheck & Trusted Traveler Programs

A number of Trusted Traveler Programs (TTP) such as TSA PreCheck, Global Entry, Nexus, Sentri, and CLEAR exist to speed up the process of security screening for travelers. Contact HRC’s Finance department for further information.

Congressional Federal Credit Union

Not for profit financial cooperative that offers you the best rates on loans, credit cards, and saving products: www.congressionalfcu.org

OAS Federal Credit Union

Not for profit credit union that offers you great rates on loans, credit cards and bank accounts: www.oasfcu.org

Capital Bike Share

Puts 1,100 bicycles at your fingertips. You can choose from over 110 stations across Washington, D.C. and Arlington, VA and r eturn the bike to any station near your destination. Check out a bike for your trip to work, Metro, run errands, go shopping, or visit friends and family. www.capitalbikeshare.com

iPhone Benefits

Employees can work with IT on iPhone purchases, where IT purchases a new phone for the employee and deduct the cost from their paycheck over 8 pay periods.

EMPLOYEE DISCOUNTS CONT.

The nation’s l argest electronic access service for healthcare directives. When you store your healthcare directives with DocuBank, you receive a customized wallet card that makes these documents, and your critical emergency information, instantly available via automated fax or secure webpage. Free for all HRC Staff, spouses, & dependents.

Pets Best

HRC partners with Pets Best to offer discounted insurance rates for you and your furry friends.

HRC Store ($)

20% off for HRC staff, except for clearance merchandise. For more information, please contact the Consumer Marketing Department.

Plumbenefits Entertainment Guide

Employees of HRC now have access to a free new benefit service, Plum Benefits! Discounts up to 50% off entertainment and High Demand Sold Out Seats. Signing up is free and easy:

1.Visit www.plumbenefits.com/signup.

2.Use your HRC email address to get started.

3.Read and follow the steps on our site.

Aflac

Benefits offered by Aflac are Accident Advantage, Hospital Confinement Indemnity, Cancer Protection Assurance and Critical care Protection.

CAREER DEVELOPMENT

As part of our total value of employment, the Human Rights Campaign encourages professional development and opportunities for growth:

TUITION REIMBURSEMENT

Tuition Reimbursement is a financial assistance program established as an employee benefit to help HRC’s current employees further their education. The program’s intent is to expand the employee’s knowledge, skills, and abilities, and thereby, enhance job performance, value to the organization, and access to career opportunities within the organization. HRC pays 50% of the cost of eligible courses, up to $5,250 per year.

For qualifying employees, HRC will also provide an interest-free forgivable loan for HRC’s contribution to tuition payments, provided that the employee agrees to the terms listed in the policy.

LINKEDIN LEARNING

All employees are eligible for a license to access LinkedIn Learning, which offers thousands of online training modules on topics to support your professional goals from business, to technology, and personal leadership development.

CAREER DEVELOPMENT CONT.

PROFESSIONAL DEVELOPMENT

The Human Rights Campaign recognizes that training and professional development of our employees is a fundamental element, and is of importance to the staff. HRC will assist employees to enhance their skills that are useful in their current position or to develop skills required for changes in job description or transfers and promotions within the organization.

PARTICIPATION IN PROFESSIONAL TRADE ORGANIZATIONS

The Human Rights Campaign will pay all reasonable costs required to be incurred by professional employees in order to maintain their licensures as professionals. Costs may include educational courses, license fees & dues required to maintain membership in professional organizations or associations.

SUPERVISOR TRAINING

To ensure that we are supporting high quality management practices, all supervisors at the Human Rights Campaign are required to take several courses. This includes a management training through The Management Center, as well as several internal trainings focused on management practices at HRC.

Human Rights Campaign Important Legal Notices

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 76 for more details.

IMPORTANT NOTICE: This document is provided to help employers understand the compliance obligations for Health & Welfare benefit plans, but it may not take into account all the circumstances relevant to a particular plan or situation. It is not exhaustive and is not a substitute for legal advice.

Important Legal Notices Affecting Your Health Plan Coverage

THE WOMEN’S HEALTH CANCER RIGHTS ACT OF 1998 (WHCRA)

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

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

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

• Prostheses; and

• Treatment of physical complications of the mastectomy, including lymphedema.

These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. Therefore, the following deductibles and coinsurance apply:

Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, Federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

NOTICE OF SPECIAL ENROLLMENT RIGHTS

If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 30 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage).

In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.

Further, if you decline enrollment for yourself or eligible dependents (including your spouse) while Medicaid coverage or coverage under a State CHIP program is in effect, you may be able to enroll yourself and your dependents in this plan if:

• coverage is lost under Medicaid or a State CHIP program; or

• you or your dependents become eligible for a premium assistance subsidy from the State.

In either case, you must request enrollment within 60 days from the loss of coverage or the date you become eligible for premium assistance.

To request special enrollment or obtain more information, contact the person listed at the end of this summary.

CONTACT INFORMATION

Questions regarding any of this information can be directed to: Krystal Gutierrez

1640 Rhode Island Avenue NW Washington, DC 20036 202-216-1521

krystal.gutierrez@hrc.org

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

Your Information. Your Rights. Our Responsibilities.

Recipients of the notice are encouraged to read the entire notice. Contact information for questions or complaints is available at the end of the notice.

Your Rights

You have the right to:

• Get a copy of your health and claims records

• Correct your health and claims records

• Request confidential communication

• Ask us to limit the information we share

• Get a list of those with whom we’ve shared your information

• Get a copy of this privacy notice

• Choose someone to act for you

• File a complaint if you believe your privacy rights have been violated

Your Choices

You have some choices in the way that we use and share information as we:

• Answer coverage questions from your family and friends

• Provide disaster relief

• Market our services and sell your information

Our Uses and Disclosures

We may use and share your information as we:

• Help manage the health care treatment you receive

• Run our organization

• Pay for your health services

• Administer your health plan

• Help with public health and safety issues

• Do research

• Comply with the law

• Respond to organ and tissue donation requests and work with a medical examiner or funeral director

• Address workers’ compensation, law enforcement, and other government requests

• Respond to lawsuits and legal actions

Your Rights

When it comes to your health information, you have certain rights. This section explains your rights and some of our responsibilities to help you.

Get a copy of health and claims records

• You can ask to see or get a copy of your health and claims records and other health information we have about you. Ask us how to do this.

• We will provide a copy or a summary of your health and claims records, usually within 30 days of your request. We may charge a reasonable, cost-based fee.

Ask us to correct health and claims records

• You can ask us to correct your health and claims records if you think they are incorrect or incomplete. Ask us how to do this.

• We may say “no” to your request, but we’ll tell you why in writing, usually within 60 days.

Request confidential communications

• You can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address.

• We will consider all reasonable requests, and must say “yes” if you tell us you would be in danger if we do not.

Ask us to limit what we use or share

• You can ask us not to use or share certain health information for treatment, payment, or our operations.

• We are not required to agree to your request.

Get a list of those with whom we’ve shared information

• You can ask for a list (accounting) of the times we’ve shared your health information for up to six years prior to the date you ask, who we shared it with, and why.

• We will include all the disclosures except for those about treatment, payment, and health care operations, and certain other disclosures (such as any you asked us to make). We’ll provide one accounting a year for free but will charge a reasonable, cost-based fee if you ask for another one within 12 months.

Get a copy of this privacy notice

• You can ask for a paper copy of this notice at any time, even if you have agreed to receive the notice electronically. We will provide you with a paper copy promptly.

Choose someone to act for you

• If you have given someone medical power of attorney or if someone is your legal guardian, that person can exercise your rights and make choices about your health information.

• We will make sure the person has this authority and can act for you before we take any action.

File a complaint if you feel your rights are violated

• You can complain if you feel we have violated your rights by contacting us using the information at the end of this notice.

• You can file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights by sending a letter to 200 Independence Avenue, S.W., Washington, D.C. 20201, calling 1-877-696-6775, or visiting www.hhs.gov/hipaa/filing-a-complaint/index.html.

• We will not retaliate against you for filing a complaint.

Your Choices

For certain health information, you can tell us your choices about what we share. If you have a clear preference for how we share your information in the situations described below, talk to us. Tell us what you want us to do, and we will follow your instructions. In these cases, you have both the right and choice to tell us to:

• Share information with your family, close friends, or others involved in payment for your care

• Share information in a disaster relief situation

If you are not able to tell us your preference, for example if you are unconscious, we may go ahead and share your information if we believe it is in your best interest. We may also share your information when needed to lessen a serious and imminent threat to health or safety.

• In these cases, we never share your information unless you give us written permission: Marketing purposes

Sale of your information

Our Uses and Disclosures

How do we typically use or share your health information? We typically use or share your health information in the following ways.

Help manage the health care treatment you receive

We can use your health information and share it with professionals who are treating you.

Example: A doctor sends us information about your diagnosis and treatment plan so we can arrange additional services.

Pay for your health services

We can use and disclose your health information as we pay for your health services.

Example: We share information about you with your dental plan to coordinate payment for your dental work.

Administer your plan

We may disclose your health information to your health plan sponsor for plan administration.

Example: Your company contracts with us to provide a health plan, and we provide your company with certain statistics to explain the premiums we charge.

Run our organization

• We can use and disclose your information to run our organization and contact you when necessary.

• We are not allowed to use genetic information to decide whether we will give you coverage and the price of that coverage. This does not apply to long-term care plans.

Example: We use health information about you to develop better services for you.

How else can we use or share your health information?

We are allowed or required to share your information in other ways – usually in ways that contribute to the public good, such as public health and research. We have to meet many conditions in the law before we can share your information for these purposes. For more information see: www.hhs.gov/hipaa/for-individuals/guidance-materials-forconsumers/index.html.

Help with public health and safety issues

We can share health information about you for certain situations such as:

• Preventing disease

• Helping with product recalls

• Reporting adverse reactions to medications

• Reporting suspected abuse, neglect, or domestic violence

• Preventing or reducing a serious threat to anyone’s health or safety

Do research

We can use or share your information for health research.

Comply with the law

We will share information about you if state or federal laws require it, including with the Department of Health and Human Services if it wants to see that we’re complying with federal privacy law.

Respond to organ and tissue donation requests and work with a medical examiner or funeral director

• We can share health information about you with organ procurement organizations.

• We can share health information with a coroner, medical examiner, or funeral director when an individual dies.

Address workers’ compensation, law enforcement, and other government requests

We can use or share health information about you:

• For workers’ compensation claims

• For law enforcement purposes or with a law enforcement official

• With health oversight agencies for activities authorized by law

• For special government functions such as military, national security, and presidential protective services

Respond to lawsuits and legal actions

We can share health information about you in response to a court or administrative order, or in response to a subpoena.

Uses and Disclosures of Substance Use Disorder (SUD) Treatment Information

If we receive or maintain records about you from a SUD treatment program subject to 42 CFR part 2 (a “Part 2 Program”) through consent you provide the Part 2 Program to use or disclose the records, or testimony relaying the content of such records, they are given extra protection. These records shall not be used or disclosed in civil, criminal, administrative, or legislative proceedings against you unless you provide written consent, or a court order is issued after notice and an opportunity to be heard is provided by you or the holder of the records.

Our Responsibilities

• We are required by law to maintain the privacy and security of your protected health information.

• We will let you know promptly if a breach occurs that may have compromised the privacy or security of your information.

• We must follow the duties and privacy practices described in this notice and give you a copy of it.

• We will not use or share your information other than as described here unless you tell us we can in writing. If you tell us we can, you may change your mind at any time. Let us know in writing if you change your mind. For more information see: www.hhs.gov/hipaa/for-individuals/guidance-materials-for-consumers/index.html

Changes to the Terms of this Notice

We can change the terms of this notice, and the changes will apply to all information we have about you. The new notice will be available upon request, on our web site (if applicable), and we will mail a copy to you.

Other Instructions for Notice

• Insert Effective Date of this Notice: 04/01/2026

• Insert name or title of the privacy official: Krystal Gutierrez Vice President, People Strategy 1640 Rhode Island Avenue, NW, Washington, DC 20036 202-216-1521

Krystal.gutierrez@hrc.com

Important Notice from Human Rights Campaign About Your Prescription Drug Coverage and Medicare

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Human Rights Campaign and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

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

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

2. Human Rights Campaign has determined that the prescription drug coverage offered by the Cigna plan for the plan year 2026 is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

When Can You Join a Medicare Drug Plan?

You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th . However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

What Happens to Your Current Coverage If You Decide to Join a Medicare Drug Plan?

If you decide to join a Medicare drug plan, the following options may apply:

• You may stay in the Human Rights Campaign plan and not enroll in the Medicare prescription drug coverage at this time. You may be able to enroll in the Medicare prescription drug program at a later date without penalty either:

o During the Medicare prescription drug annual enrollment period, or

o If you lose Human Rights Campaign’s creditable coverage.

• You may stay in the Human Rights Campaign plan and also enroll in a Medicare prescription drug plan. The Human Rights Campaign plan will be the primary payer for prescription drugs and Medicare Part D will become the secondary payer.

• You may decline coverage in the Human Rights Campaign plan and enroll in Medicare as your only payer for all medical and prescription drug expenses. If you do not enroll in the Human Rights Campaign plan, you are not able to receive coverage through the plan unless and until you are eligible to reenroll in the plan at the next open enrollment period or due to a status change under the cafeteria plan or special enrollment event.

When Will You Pay a Higher Premium (Penalty) to Join a Medicare Drug Plan?

You should also know that if you drop or lose your current coverage with Human Rights Campaign and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every

month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join.

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

NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Human Rights Campaign changes. You also may request a copy of this notice at any time.

For More Information About Your Options Under Medicare Prescription Drug Coverage…

More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.

For more information about Medicare prescription drug coverage:

• Visit www.medicare.gov

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

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

If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-7721213 (TTY 1-800-325-0778)

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

Date: 04/01/2026

Name/Entity of Sender: Human Rights Campaign

Contact Position/Office: Krystal Gutierrez

Address: 1640 Rhode Island Avenue, NW, Washington, DC 20036

Phone Number: 200-216-1521

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 –

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

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

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

http://dhcs.ca.gov/hipp

Phone: 916-445-8322

Fax: 916-440-5676

Email: hipp@dhcs.ca.gov

Health First Colorado Website: https://www.healthfirstcolorado.com/

Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711

CHP+: https://hcpf.colorado.gov/child-health-plan-plus

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

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

GEORGIA – Medicaid

GA HIPP Website: https://medicaid.georgia.gov/healthinsurance-premium-payment-program-hipp Phone: 678-564-1162, Press 1

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

Phone: 678-564-1162, Press 2

Medicaid Website:

Iowa Medicaid | Health & Human Services

Medicaid Phone: 1-800-338-8366

Hawki Website:

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

Hawki Phone: 1-800-257-8563

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

HIPP Phone: 1-888-346-9562

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

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

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

– Medicaid

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

HIPP Phone: 1-800-967-4660

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

Louisiana Medicaid email: healthy@la.gov

Louisiana Health Insurance Premium Program (LaHIPP) Website: https://www.ldh.la.gov/lahipp

LaHIPP phone: 1-877-697-6703

LaHIPP email: La.HIPP@la.gov

LaHIPP fax: 1-888-716-9787

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

IOWA – Medicaid and CHIP (Hawki) KANSAS

MAINE – Medicaid

MASSACHUSETTS – Medicaid and CHIP

Enrollment Website: https://www.mymaineconnection.gov/benefits/s/?language=en _US

Phone: 1-800-442-6003

TTY: Maine relay 711

Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms

Phone: 1-800-977-6740

TTY: Maine relay 711

MINNESOTA – Medicaid

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

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

Phone: 1-800-862-4840

TTY: 711

Email: masspremassistance@accenture.com

MISSOURI – Medicaid

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

Phone: 573-751-2005

– Medicaid NEBRASKA – Medicaid

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

Phone: 1-800-694-3084

Email: HHSHIPPProgram@mt.gov

NEVADA – Medicaid

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

Medicaid Phone: 1-800-992-0900

NEW JERSEY – Medicaid and CHIP

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

CHIP Premium Assistance Phone: 609-631-2392

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

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

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

Phone: 1-855-632-7633

Lincoln: 402-473-7000

Omaha: 402-595-1178

NEW HAMPSHIRE – Medicaid

Website: https://www.dhhs.nh.gov/programsservices/medicaid/health-insurance-premium-program Phone: 603-271-5218

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

Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov

NEW YORK – Medicaid

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

NORTH CAROLINA – Medicaid NORTH DAKOTA – Medicaid

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

OKLAHOMA – Medicaid and CHIP

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

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

OREGON – Medicaid and CHIP

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

PENNSYLVANIA – Medicaid and CHIP RHODE ISLAND – Medicaid and CHIP

MONTANA

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

Phone: 1-800-692-7462

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

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

SOUTH CAROLINA – Medicaid

Website: https://www.scdhhs.gov

Phone: 1-888-549-0820

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

SOUTH DAKOTA - Medicaid

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

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

Phone: 1-800-440-0493

Website: https://medicaid.utah.gov/upp/ Email: upp@utah.gov

Phone: 1-888-222-2542

Adult Expansion Website: https://medicaid.utah.gov/expansion/ Utah Medicaid Buyout Program Website: https://medicaid.utah.gov/buyout-program/ CHIP Website: https://chip.utah.gov/

VERMONT– Medicaid VIRGINIA – Medicaid and CHIP

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

Website: https://coverva.dmas.virginia.gov/learn/premiumassistance/famis-select

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

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

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

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)

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

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

TEXAS – Medicaid

UTAH – Medicaid and CHIP

Utah’s Premium Partnership for Health Insurance (UPP)

U.S. Department of Labor

U.S. Department of Health and Human Services

Employee Benefits Security Administration Centers for Medicare & Medicaid Services www.dol.gov/agencies/ebsa www.cms.hhs.gov

1-866-444-EBSA (3272)

Paperwork Reduction Act Statement

1-877-267-2323, Menu Option 4, Ext. 61565

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

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

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

Health Insurance Marketplace Coverage Options and Your Health Coverage

PART A: General Information

Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment.

What is the Health Insurance Marketplace?

The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options in your geographic area.

Can I Save Money on my Health Insurance Premiums in the Marketplace?

You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings that you're eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.

Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?

Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.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 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 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

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.

of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage.

Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023, and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325.

What about Alternatives to Marketplace Health Insurance Coverage?

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

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

The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area

PART B: Information About Health Coverage Offered by Your Employer

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

3.Employer Name Human Rights Campaign

5.Employer address 1640 Rhode Island Avenue, NW

7.City Washington

10.Who can we contact about employee health coverage at this job? Krystal Gutierrez

11.Phone number (if different from above)

12.Email address Krystal.gutierrez@hrc.org

4.Employer Identification Number (EIN) 52-1243457

6.Employer phone number 202-216-1521

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

• As your employer, we offer a health plan to: All employees. Eligible employees are:

Active, full-time employees working 20 or more hours consistently per week.

Some employees. Eligible employees are:

• With respect to dependents:

We do offer coverage. Eligible dependents are:

Employee’s legal dependents: children, step-children, adopted children, legal guardianship, domestic partner and legal spouse. Dependents are covered until their 26th birthday.

We do not offer coverage.

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

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

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

This guide is for general information purposes only. It provides an overview of the plans available through the benefits program. The plans contain certain limitations and exclusions which may affect your coverage. Please review your Evidence of Coverage or Summary Plan Description for details. It does not replace or supplement the plan documents. If there is any conflict between the information in this guide and the plan documents, the plan documents will govern.