Get the right Annual enrollment is your once-a-year opportunity to

update your Wellpath benefits coverage. A lot can change

from year to year, including costs, networks and your

needs. It pays to double-check your current elections,

and Wellpath’s benefit advisor tool, ALEX®, can help.

When you enroll online, just answer a few questions

about your needs and ALEX will create custom coverage

recommendations for you. It’s easy, confidential and takes

just minutes to be sure you have the right fit for 2022.

Here’s what to know and do:

1 Review this mailer.

2 Find details in the 2022 Benefits Guide in the Benefits Portal on WoW (available October 27).

3Actively enroll beginning October 27 to indicate your vaccination status and avoid the non-vaccinated surcharge.

Action required: If you’re enrolled in medical coverage, you must select your vaccination status by November 9. Otherwise, you will bedefaulted to “non-vaccinated” and willpay $46.15 per paycheck next year to helpcover costs associated with COVID-19.

Enroll October 27 – November 9, 2021

1283 Murfreesboro Road, Suite 500

Nashville, TN 37217

First Name Last NameStreet Address Line 1Street Address 2City, State ZIP Code

New programs and enhancements .

Personalized cancer treatment supportReceiving a cancer diagnosis is a life-changing and overwhelmingexperience. Cancer Expert Now provides personalized, expert guidancefrom leading oncologists around the world. Private, virtual doctor-patientconsultations can help minimize the fear around a cancer diagnosis by empowering you or a loved one with knowledge and support.

Waived fees and other banking benefitsIf you receive your pay through direct deposit at Bank of America, you’ll save money with the new Bank of America employee banking program. The program offers waived fees for ATM withdrawals, wire transfers, stop payment and many other banking services. You’ll also have access to special mortgage discounts. Current account holders will receive more information from Bank of America and will have fees waived beginning January 2022.

To set up direct deposit with Wellpath, go to WoW and select Application Links, and then select ADP Self Service.

New tools and enhanced family and financial protectionVoluntary identity theft coverage through Allstate Identity Protection will offer new and enhanced features with no change in rates:

• New protection for senior family members, reimbursements for home title theft, professional impersonation, and even stolen wallet emergency cash

• An unemployment fraud center with dedicated support and easy-to-use tools

• Targeted tips to help you better understand and improve your identity health

• New privacy management tools to help you unsubscribe from marketing emails and manage your personal information

• Allstate Security ProSM, designed to educate and warn you about emerging fraud even faster

Ready, set, goTHREE EASY WAYS TO ENROLL STARTING OCTOBER 27

Online App Phone A few reminders:1. Have documentation ready if you plan

to enroll dependents (such as birthcertificates). You’ll be asked to submitverification during the enrollment process, and dependent coverage willnot take effect until the documents havebeen provided and approved.

2. Update beneficiaries if needed for your company-provided life insurance, and if selected, voluntary life insurance plans.

3. Deductions for 2022 benefits will beginwith your January 7th or January 14th

paycheck, depending on your pay cycle.

Go to www.wellpath.us, click Application Links, and then Benefits Portal. Enter your Wellpath credentials to log in. If you have problems accessing the WoW site or the Benefits Portal, contact the Helpdesk at 866-631-0051. Note: If you’re unable to log in due to Internet Explorer browser issues, try accessing the site using Chrome or enroll using the mobile app.

Download the freeBenefitFocus app from theApp Store® or Google Play (company ID: Wellpath).

Call the Benefits Service Center at 844-378-0630, 8:30 a.m. – 8 p.m. ET, Monday – Friday.

CORE

Should any information in this newsletter differ from plan documents/contracts, the Plan document/contract shall govern. This document constitutes a Summary of Material Modificationto the Summary Plan Description with respect to any plan changes. Keep it for future reference.

Heads UPSee what’s coming to your benefit plans in 2022.

Annual benefits enrollment: October 27 – November 9

Here to helpWellpath provides resources to support you when you need it most, including on-demand video doctor visits and no copays for urgent care or mental health services. You also can access confidential, 24/7 counseling and support through our Employee Assistance Program (EAP) or meet face-to-face with a licensed clinician (up to three sessions per issue). Find more information on WoW under Application Links.

fit Not enrolling?If you don’t actively enroll for your benefits

by November 9:

• Most of your current elections will roll over to next year, including medical, dental, vision, life/AD&D and any voluntary benefit plans in which you’re currently enrolled (except the Health Savings Account and Flexible Spending Accounts). However, you must select your vaccination status in the Benefits Portal on WoW by November 9. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

• You will not be able to participate in a Health Savings Accountor Flexible Spending Account in 2022. You must re-enroll inthese accounts each year.

• You won’t be able to make any changes, other than vaccination status, until the next annual enrollment period (unless you have a qualifying event, like getting married or having a baby).

2022All team members enrolled in a medical plan must be vaccinated for COVID-19 or pay a surcharge of $100 per month ($46.15 per paycheck). This amount will help offset anticipated costs to the plan for those team members who are more likely to become seriously ill due to the coronavirus. With this change, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and pay the surcharge—see details on the next panel.

Your share of the cost of healthcare services is changing. We made changes to the medical plan to help keep premium increases (paycheck costs) as low as possible for the majority of our team members. While your out-of-pocket costs for services will increase some, Wellpath will continue to cover the largest share of your medical coverage cost.

For Bronze medical plan participants, Wellpath will no longer make a company contribution to your Health Savings Account (HSA).

highlights

Dear Wellpath Team Members,No doubt years from now we will look back on this time as both challenging and rewarding. Challenging in that we all have

been affected by the pandemic in some way; some more significantly than others. Rewarding in that we continue to fight

through this difficult time and find ways to serve despite all that is happening around us.

Every day I am amazed at the courage, determination and dedication of Wellpath team members. On behalf of the entire

executive team, thank you for your continuing efforts.

The pandemic has had an impact on our benefit plans as well. COVID-related claims were much higher than anticipated,

and we experienced increased claims for other chronic conditions as well, likely due to the deferral of many routine healthcare

services. And since our plan is self-funded—meaning we pay directly for each team member’s healthcare expenses—these costs

come right off our bottom line. Despite these challenges, we’ve worked hard to minimize premium increases for next year.

For most of our medical plans, team members will see a 2 to 8.4% increase in their per-paycheck cost beginning January 1.

Your increase will depend on the plan option in which you are enrolled, individual versus family coverage, and your salary.

Despite these financial hurdles, we are pleased to continue to provide a competitive benefits program for all team members.

For 2022, we have made changes to our medical plan to ensure we could keep increased paycheck costs to a minimum

while still offering the coverage you need. And we continue to look for ways to add value to the benefits we provide. A new

offering for next year is a cancer support service that offers virtual access to worldwide experts who can help you manage

a diagnosis and evaluate treatment options with confidence.

We make many choices in life, and as part of the Wellpath team, we’ve chosen to help others. Now is the time for you to

choose what’s best for you in the coming year. Enrollment begins October 27. Review the materials you receive in the

coming weeks and use our decision-support tool to help you select the coverage you need in 2022.

Sincerely,

Ann Hatcher | Chief Human Resources Officer

All team members and covered dependents will have access to a new cancer support program. Cancer Expert Now offers virtual access to oncology experts around the world so you can ask questions, understand diagnosis options and make confident treatment choices.

Team members who have payroll direct deposit with Bank of America can take advantage of a new employee banking program that offers waived account fees, special mortgage interest rates and other benefits.

Our optional ID theft program through Allstate Identity Protection has been enhanced with new tools and additional family and financial protections at no additional cost.

The 2022 Wellpath holiday schedule is changing, but the number of paid days off will remain the same. Beginning next year, we will have seven company holidays (versus six in 2021) and two floating holidays (versus three in 2021). In essence, one of the floating holidays will now be observed as a company holiday for Martin Luther King, Jr. Day. (Note: This change does not apply to team members who are part of a collective bargaining agreement or who work at a location that follows the client holiday schedule.)

Medical coverage changesHere’s an overview of changes to our 2022 medical plan options.

Bronze Silver Gold Platinum (Kaiser plan)

• Eligible services and prescription drugs: The amount the plan pays for eligible services and prescription drugs (coinsurance) is changing to 80% (85% currently).

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization (PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’s an emergency.

• HSA contribution: Wellpath will no longer make a company contribution to your Health Savings Account (HSA).

• Deductibles: Increasing for individual coverage from $2,000 to $2,500, and from $4,000 to $5,000 for family coverage.

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization (PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’s an emergency.

• Copays: Increasing from $35 to $50 for specialist visits and urgent care, and from $200 to $250 for emergency room visits.

• Deductibles: Increasing for individual coverage from $1,000 to $1,500, and from $2,000 to $3,000 for family coverage.

• Prescriptions: Under the Kaiser plan, the maximum you will pay for a prescription specialty drug is increasing from $200 to $250.

GS PB

1 Take advantage of $0 copays for on-demand video doctor visits for urgent care and mental health services.

2 Consider increasing your contributions to your Flexible Spending Account (FSA) if you are in the Silver, Gold or Platinum plans. You can use this account to pay for everyday healthcare expenses by using tax-free dollars.

3 If you are in the Bronze medical option and don’t currently contribute the maximum amount to your Health Savings Account (HSA), consider increasing your contributions so you can use tax-free dollars to pay for covered medical expenses.

4 Enroll in accidental injury, critical illness and hospital care insurance offered through Cigna. This voluntary benefit complements your Wellpath medical coverage by helping you pay out-of-pocket healthcare expenses with convenient payroll deductions.

5 If you are married and your spouse has coverage available for you under his or her plan, consider whether enrolling in your spouse’s plan would save you money.

Non-vaccinated surcharge

Get your flu shot this fall—it’s covered!

If you’re enrolled in the

Wellpath medical plan, you

can get a flu shot at no cost

to you. Wellpath covers 100%

of the cost for you and your

covered dependents.

55 ways to manage healthcare costs

NEW ID cards will be issued for all plans next year.

Gold concierge care: Gold plan members have access to a concierge team that can help with a range of services, such as finding a doctor or specialist, issues with a bill, or requesting a cost estimate. See more information in the 2022 Benefits Guide available in the Benefits Portal on WoW beginning October 27.

Whether to receive a vaccination or not is a key question all team members have addressed this year. At Wellpath, we believe in the science of vaccination and know that if our team members are vaccinated, they’re in a better position to provide care to our patients and protect their coworkers.

As members of the healthcare community, we support all efforts that help end the spread of COVID-19. If you enroll in any of the medical plan options for 2022, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

Changing your statusYou may update your vaccination status and have the surcharge waived at any time throughout the year.

If you receive the vaccine, notify the Benefits Service Center at 844-378-0630, 8:30 a.m. – 8 p.m., ET, Monday – Friday. The change may take up to two pay periods to be reflected in your paycheck. You will not be reimbursed for prior paycheck surcharges, so be sure to notify the Benefits Service Center of vaccination status changes as soon as possible.

ExemptionsExemptions are available for medical conditions and sincerely held religious beliefs. Team members with valid exemptions will not be subject to the surcharge. You may access the forms necessary to request an exemption on WoW. Go to WoW > Departments > Clinical > Coronavirus > Documents > Coronavirus COVID-19 Resources > HR > COVID-19 Accommodation Request Forms.

2022All team members enrolled in a medical plan must be vaccinated for COVID-19 or pay a surcharge of $100 per month ($46.15 per paycheck). This amount will help offset anticipated costs to the plan for those team members who are more likely to become seriously ill due to the coronavirus. With this change, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and pay the surcharge—see details on the next panel.

Your share of the cost of healthcare services is changing. We made changes to the medical plan to help keep premium increases (paycheck costs) as low as possible for the majority of our team members. While your out-of-pocket costs for services will increase some, Wellpath will continue to cover the largest share of your medical coverage cost.

For Bronze medical plan participants, Wellpath will no longer make a company contribution to your Health Savings Account (HSA).

highlights

Dear Wellpath Team Members,No doubt years from now we will look back on this time as both challenging and rewarding. Challenging in that we all have

been affected by the pandemic in some way; some more significantly than others. Rewarding in that we continue to fight

through this difficult time and find ways to serve despite all that is happening around us.

Every day I am amazed at the courage, determination and dedication of Wellpath team members. On behalf of the entire

executive team, thank you for your continuing efforts.

The pandemic has had an impact on our benefit plans as well. COVID-related claims were much higher than anticipated,

and we experienced increased claims for other chronic conditions as well, likely due to the deferral of many routine healthcare

services. And since our plan is self-funded—meaning we pay directly for each team member’s healthcare expenses—these costs

come right off our bottom line. Despite these challenges, we’ve worked hard to minimize premium increases for next year.

For most of our medical plans, team members will see a 2 to 8.4% increase in their per-paycheck cost beginning January 1.

Your increase will depend on the plan option in which you are enrolled, individual versus family coverage, and your salary.

Despite these financial hurdles, we are pleased to continue to provide a competitive benefits program for all team members.

For 2022, we have made changes to our medical plan to ensure we could keep increased paycheck costs to a minimum

while still offering the coverage you need. And we continue to look for ways to add value to the benefits we provide. A new

offering for next year is a cancer support service that offers virtual access to worldwide experts who can help you manage

a diagnosis and evaluate treatment options with confidence.

We make many choices in life, and as part of the Wellpath team, we’ve chosen to help others. Now is the time for you to

choose what’s best for you in the coming year. Enrollment begins October 27. Review the materials you receive in the

coming weeks and use our decision-support tool to help you select the coverage you need in 2022.

Sincerely,

Ann Hatcher | Chief Human Resources Officer

All team members and covered dependents will have access to a new cancer support program. Cancer Expert Now offers virtual access to oncology experts around the world so you can ask questions, understand diagnosis options and make confident treatment choices.

Team members who have payroll direct deposit with Bank of America can take advantage of a new employee banking program that offers waived account fees, special mortgage interest rates and other benefits.

Our optional ID theft program through Allstate Identity Protection has been enhanced with new tools and additional family and financial protections at no additional cost.

The 2022 Wellpath holiday schedule is changing, but the number of paid days off will remain the same. Beginning next year, we will have seven company holidays (versus six in 2021) and two floating holidays (versus three in 2021). In essence, one of the floating holidays will now be observed as a company holiday for Martin Luther King, Jr. Day. (Note: This change does not apply to team members who are part of a collective bargaining agreement or who work at a location that follows the client holiday schedule.)

Medical coverage changesHere’s an overview of changes to our 2022 medical plan options.

Bronze Silver Gold Platinum (Kaiser plan)

• Eligible services and prescription drugs: Theamount the plan pays for eligible servicesand prescription drugs (coinsurance) ischanging to 80% (85% currently).

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization(PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’san emergency.

• HSA contribution: Wellpath will no longermake a company contribution to your HealthSavings Account (HSA).

• Deductibles: Increasing for individual coverage from$2,000 to $2,500, and from $4,000 to $5,000 for family coverage.

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization (PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’s an emergency.

• Copays: Increasing from $35 to $50 for specialist visits and urgent care, and from $200 to $250 for emergency room visits.

• Deductibles: Increasing for individual coverage from $1,000 to $1,500, and from $2,000 to $3,000 for family coverage.

• Prescriptions: Under the Kaiser plan, the maximum you will pay for a prescriptionspecialty drug is increasing from $200 to $250.

GS PB

1 Take advantage of $0 copays for on-demand video doctor visits for urgent care and mental health services.

2 Consider increasing your contributions to your Flexible Spending Account (FSA)if you are in the Silver, Gold or Platinum plans. You can use this account to pay for everyday healthcare expenses by using tax-free dollars.

3 If you are in the Bronze medical option and don’t currently contribute the maximum amount to your Health Savings Account (HSA), consider increasing your contributions so you can use tax-free dollars to pay for covered medical expenses.

4 Enroll in accidental injury, critical illness and hospital care insurance offered through Cigna. This voluntary benefit complements your Wellpath medical coverage by helping you pay out-of-pocket healthcare expenses with convenientpayroll deductions.

5 If you are married and your spouse has coverage available for you under his or her plan, consider whether enrolling in your spouse’s plan would save you money.

Non-vaccinated surcharge

Get your flu shot this fall—it’s covered!

If you’re enrolled in the

Wellpath medical plan, you

can get a flu shot at no cost

to you. Wellpath covers 100%

of the cost for you and your

covered dependents.

55 ways to manage healthcare costs

NEW ID cards will be issued for all plans next year.

Gold concierge care: Gold plan members have access to a concierge team that can help with a range of services, such as finding a doctor or specialist, issues with a bill, or requesting a cost estimate. See moreinformation in the 2022 Benefits Guide available in the Benefits Portal on WoW beginning October 27.

Whether to receive a vaccination or not is a key question all team members have addressed this year. At Wellpath, we believe in the science of vaccination and know that if our team members are vaccinated, they’re in a better position to provide care to our patients and protect their coworkers.

As members of the healthcare community, we support all efforts that help end the spread of COVID-19. If you enroll in anyof the medical plan options for 2022, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

Changing your statusYou may update your vaccination status and have the surcharge waived at any time throughout the year.

If you receive the vaccine, notify the BenefitsService Center at 844-378-0630, 8:30 a.m. – 8 p.m., ET, Monday – Friday. The change maytake up to two pay periods to be reflected in your paycheck. You will not be reimbursed forprior paycheck surcharges, so be sure to notifythe Benefits Service Center of vaccination status changes as soon as possible.

ExemptionsExemptions are available for medical conditions and sincerely held religious beliefs. Team members with valid exemptions will not be subject to the surcharge. You may access the forms necessary to request an exemption on WoW. Go to WoW > Departments > Clinical > Coronavirus > Documents > Coronavirus COVID-19 Resources > HR > COVID-19 Accommodation Request Forms.

2022All team members enrolled in a medical plan must be vaccinated for COVID-19 or pay a surcharge of $100 permonth ($46.15 per paycheck). This amount will help offsetanticipated costs to the plan for those team members who are more likely to become seriously ill due to the coronavirus.With this change, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and pay the surcharge—see details on the next panel.

Your share of the cost of healthcare services is changing. We made changes to the medical plan to help keep premium increases (paycheck costs) as low as possible for the majority of our team members. While your out-of-pocket costs for services will increase some, Wellpath will continue to cover the largest share of your medical coverage cost.

For Bronze medical plan participants, Wellpath will no longer makea company contribution to your Health Savings Account (HSA).

highlights

Dear Wellpath Team Members,No doubt years from now we will look back on this time as both challenging and rewarding. Challenging in that we all have

been affected by the pandemic in some way; some more significantly than others. Rewarding in that we continue to fight

through this difficult time and find ways to serve despite all that is happening around us.

Every day I am amazed at the courage, determination and dedication of Wellpath team members. On behalf of the entire

executive team, thank you for your continuing efforts.

The pandemic has had an impact on our benefit plans as well. COVID-related claims were much higher than anticipated,

and we experienced increased claims for other chronic conditions as well, likely due to the deferral of many routine healthcare

services. And since our plan is self-funded—meaning we pay directly for each team member’s healthcare expenses—these costs

come right off our bottom line. Despite these challenges, we’ve worked hard to minimize premium increases for next year.

For most of our medical plans, team members will see a 2 to 8.4% increase in their per-paycheck cost beginning January 1.

Your increase will depend on the plan option in which you are enrolled, individual versus family coverage, and your salary.

Despite these financial hurdles, we are pleased to continue to provide a competitive benefits program for all team members.

For 2022, we have made changes to our medical plan to ensure we could keep increased paycheck costs to a minimum

while still offering the coverage you need. And we continue to look for ways to add value to the benefits we provide. A new

offering for next year is a cancer support service that offers virtual access to worldwide experts who can help you manage

a diagnosis and evaluate treatment options with confidence.

We make many choices in life, and as part of the Wellpath team, we’ve chosen to help others. Now is the time for you to

choose what’s best for you in the coming year. Enrollment begins October 27. Review the materials you receive in the

coming weeks and use our decision-support tool to help you select the coverage you need in 2022.

Sincerely,

Ann Hatcher | Chief Human Resources Officer

All team members and covered dependents will have access to a new cancer support program. Cancer Expert Now offers virtual access to oncology experts around the world so you can ask questions, understand diagnosis options and make confident treatment choices.

Team members who have payroll direct deposit with Bankof America can take advantage of a new employee bankingprogram that offers waived account fees, special mortgageinterest rates and other benefits.

Our optional ID theft program through Allstate Identity Protection has been enhanced with new tools and additional family and financial protections at no additional cost.

The 2022 Wellpath holiday schedule is changing, but the number of paid days off will remain the same. Beginning next year, we willhave seven company holidays (versus six in 2021) and two floating holidays (versus three in 2021). In essence, one of the floating holidays will now be observed as a company holiday for Martin Luther King, Jr. Day. (Note: This change does not apply to team members who are part of a collective bargaining agreement or who work at a location that follows the client holiday schedule.)

Medical coverage changesHere’s an overview of changes to our 2022 medical plan options.

Bronze Silver Gold Platinum (Kaiser plan)

• Eligible services and prescription drugs: Theamount the plan pays for eligible servicesand prescription drugs (coinsurance) ischanging to 80% (85% currently).

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization(PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’san emergency.

• HSA contribution: Wellpath will no longermake a company contribution to your HealthSavings Account (HSA).

• Deductibles: Increasing for individual coverage from$2,000 to $2,500, and from $4,000 to $5,000 for family coverage.

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization (PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’s an emergency.

• Copays: Increasing from $35 to $50 for specialist visits and urgent care, and from $200 to $250 for emergency room visits.

• Deductibles: Increasing for individual coverage from $1,000 to $1,500, and from $2,000 to $3,000 for family coverage.

• Prescriptions: Under the Kaiser plan, the maximum you will pay for a prescriptionspecialty drug is increasing from $200 to $250.

GS PB

1 Take advantage of $0 copays for on-demand video doctor visits for urgent care and mental health services.

2 Consider increasing your contributions to your Flexible Spending Account (FSA)if you are in the Silver, Gold or Platinum plans. You can use this account to pay for everyday healthcare expenses by using tax-free dollars.

3 If you are in the Bronze medical option and don’t currently contribute the maximum amount to your Health Savings Account (HSA), consider increasing your contributions so you can use tax-free dollars to pay for covered medical expenses.

4 Enroll in accidental injury, critical illness and hospital care insurance offered through Cigna. This voluntary benefit complements your Wellpath medical coverage by helping you pay out-of-pocket healthcare expenses with convenientpayroll deductions.

5 If you are married and your spouse has coverage available for you under his or her plan, consider whether enrolling in your spouse’s plan would save you money.

Non-vaccinated surcharge

Get your flu shot this fall—it’s covered!

If you’re enrolled in the

Wellpath medical plan, you

can get a flu shot at no cost

to you. Wellpath covers 100%

of the cost for you and your

covered dependents.

55 ways to manage healthcare costs

NEW ID cards will be issued for all plans next year.

Gold concierge care: Gold plan members have access to a concierge team that can help with a range of services, such as finding a doctor or specialist, issues with a bill, or requesting a cost estimate. See moreinformation in the 2022 Benefits Guide available in the Benefits Portal on WoW beginning October 27.

Whether to receive a vaccination or not is a key question all team members have addressed this year. At Wellpath, we believe in the science of vaccination and know that if our team members are vaccinated, they’re in a better position to provide care to our patients and protect their coworkers.

As members of the healthcare community, we support all efforts that help end the spread of COVID-19. If you enroll in any of the medical plan options for 2022, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

Changing your statusYou may update your vaccination status and have the surcharge waived at any time throughout the year.

If you receive the vaccine, notify the Benefits Service Center at 844-378-0630, 8:30 a.m. – 8 p.m., ET, Monday – Friday. The change may take up to two pay periods to be reflected in your paycheck. You will not be reimbursed for prior paycheck surcharges, so be sure to notify the Benefits Service Center of vaccination status changes as soon as possible.

ExemptionsExemptions are available for medical conditions and sincerely held religious beliefs. Team members with valid exemptions will not be subject to the surcharge. You may access the forms necessary to request an exemption on WoW. Go to WoW > Departments > Clinical > Coronavirus > Documents > CoronavirusCOVID-19 Resources > HR > COVID-19Accommodation Request Forms.

2022All team members enrolled in a medical plan must be vaccinated for COVID-19 or pay a surcharge of $100 permonth ($46.15 per paycheck). This amount will help offsetanticipated costs to the plan for those team members who are more likely to become seriously ill due to the coronavirus.With this change, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and pay the surcharge—see details on the next panel.

Your share of the cost of healthcare services is changing. We made changes to the medical plan to help keep premium increases (paycheck costs) as low as possible for the majority of our team members. While your out-of-pocket costs for services will increase some, Wellpath will continue to cover the largest share of your medical coverage cost.

For Bronze medical plan participants, Wellpath will no longer makea company contribution to your Health Savings Account (HSA).

highlights

Dear Wellpath Team Members,No doubt years from now we will look back on this time as both challenging and rewarding. Challenging in that we all have

been affected by the pandemic in some way; some more significantly than others. Rewarding in that we continue to fight

through this difficult time and find ways to serve despite all that is happening around us.

Every day I am amazed at the courage, determination and dedication of Wellpath team members. On behalf of the entire

executive team, thank you for your continuing efforts.

The pandemic has had an impact on our benefit plans as well. COVID-related claims were much higher than anticipated,

and we experienced increased claims for other chronic conditions as well, likely due to the deferral of many routine healthcare

services. And since our plan is self-funded—meaning we pay directly for each team member’s healthcare expenses—these costs

come right off our bottom line. Despite these challenges, we’ve worked hard to minimize premium increases for next year.

For most of our medical plans, team members will see a 2 to 8.4% increase in their per-paycheck cost beginning January 1.

Your increase will depend on the plan option in which you are enrolled, individual versus family coverage, and your salary.

Despite these financial hurdles, we are pleased to continue to provide a competitive benefits program for all team members.

For 2022, we have made changes to our medical plan to ensure we could keep increased paycheck costs to a minimum

while still offering the coverage you need. And we continue to look for ways to add value to the benefits we provide. A new

offering for next year is a cancer support service that offers virtual access to worldwide experts who can help you manage

a diagnosis and evaluate treatment options with confidence.

We make many choices in life, and as part of the Wellpath team, we’ve chosen to help others. Now is the time for you to

choose what’s best for you in the coming year. Enrollment begins October 27. Review the materials you receive in the

coming weeks and use our decision-support tool to help you select the coverage you need in 2022.

Sincerely,

Ann Hatcher | Chief Human Resources Officer

All team members and covered dependents will have access to a new cancer support program. Cancer Expert Now offers virtual access to oncology experts around the world so you can ask questions, understand diagnosis options and make confident treatment choices.

Team members who have payroll direct deposit with Bankof America can take advantage of a new employee bankingprogram that offers waived account fees, special mortgageinterest rates and other benefits.

Our optional ID theft program through Allstate Identity Protection has been enhanced with new tools and additional family and financial protections at no additional cost.

The 2022 Wellpath holiday schedule is changing, but the number of paid days off will remain the same. Beginning next year, we willhave seven company holidays (versus six in 2021) and two floating holidays (versus three in 2021). In essence, one of the floating holidays will now be observed as a company holiday for Martin Luther King, Jr. Day. (Note: This change does not apply to team members who are part of a collective bargaining agreement or who work at a location that follows the client holiday schedule.)

Medical coverage changesHere’s an overview of changes to our 2022 medical plan options.

Bronze Silver Gold Platinum (Kaiser plan)

• Eligible services and prescription drugs: Theamount the plan pays for eligible servicesand prescription drugs (coinsurance) ischanging to 80% (85% currently).

• Providers: The current Aetna providernetwork is changing to an Exclusive ProviderOrganization (EPO) network. It’s the same asthe current Preferred Provider Organization(PPO) network. However, there will beno coverage under the plan if you visit aprovider outside of the network, unless it’san emergency.

• HSA contribution: Wellpath will no longermake a company contribution to your HealthSavings Account (HSA).

• Deductibles: Increasing forindividual coverage from$2,000 to $2,500, and from$4,000 to $5,000 for familycoverage.

• Providers: The current Aetnaprovider network is changingto an Exclusive ProviderOrganization (EPO) network.It’s the same as the currentPreferred Provider Organization(PPO) network. However, therewill be no coverage underthe plan if you visit a provideroutside of the network, unlessit’s an emergency.

• Copays: Increasingfrom $35 to $50 forspecialist visits andurgent care, and from$200 to $250 foremergency roomvisits.

• Deductibles:Increasing forindividual coveragefrom $1,000 to $1,500,and from $2,000 to$3,000 for familycoverage.

• Prescriptions:Under the Kaiserplan, the maximumyou will pay fora prescriptionspecialty drug isincreasing from$200 to $250.

GS PB

1 Take advantage of $0 copays for on-demand video doctor visits for urgent care and mental health services.

2 Consider increasing your contributions to your Flexible Spending Account (FSA)if you are in the Silver, Gold or Platinum plans. You can use this account to pay for everyday healthcare expenses by using tax-free dollars.

3 If you are in the Bronze medical option and don’t currently contribute the maximum amount to your Health Savings Account (HSA), consider increasing your contributions so you can use tax-free dollars to pay for covered medical expenses.

4 Enroll in accidental injury, critical illness and hospital care insurance offered through Cigna. This voluntary benefit complements your Wellpath medical coverage by helping you pay out-of-pocket healthcare expenses with convenientpayroll deductions.

5 If you are married and your spouse has coverage available for you under his or her plan, consider whether enrolling in your spouse’s plan would save you money.

Non-vaccinated surcharge

Get your flu shot this fall—it’s covered!

If you’re enrolled in the

Wellpath medical plan, you

can get a flu shot at no cost

to you. Wellpath covers 100%

of the cost for you and your

covered dependents.

55 ways to manage healthcare costs

NEW ID cards will be issued for all plans next year.

Gold concierge care: Gold plan members have access to a concierge team that can help with a range of services, such as finding a doctor or specialist, issues with a bill, or requesting a cost estimate. See more information in the 2022 Benefits Guide available in the Benefits Portal on WoW beginning October 27.

Whether to receive a vaccination or not is a key question all team members have addressed this year. At Wellpath, we believe in the science of vaccination and know that if our team members are vaccinated, they’re in a better position to provide care to our patients and protect their coworkers.

As members of the healthcare community, we support all efforts that help end the spread of COVID-19. If you enroll in anyof the medical plan options for 2022, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

Changing your statusYou may update your vaccination status and have the surcharge waived at any time throughout the year.

If you receive the vaccine, notify the BenefitsService Center at 844-378-0630, 8:30 a.m. – 8 p.m., ET, Monday – Friday. The change maytake up to two pay periods to be reflected in your paycheck. You will not be reimbursed forprior paycheck surcharges, so be sure to notifythe Benefits Service Center of vaccination status changes as soon as possible.

ExemptionsExemptions are available for medical conditions and sincerely held religious beliefs. Team members with valid exemptions will not be subject to the surcharge. You may access the forms necessary to request an exemption on WoW. Go to WoW > Departments > Clinical > Coronavirus > Documents > Coronavirus COVID-19 Resources > HR > COVID-19 Accommodation Request Forms.

2022All team members enrolled in a medical plan must be vaccinated for COVID-19 or pay a surcharge of $100 permonth ($46.15 per paycheck). This amount will help offsetanticipated costs to the plan for those team members who are more likely to become seriously ill due to the coronavirus.With this change, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and pay the surcharge—see details on the next panel.

Your share of the cost of healthcare services is changing. We made changes to the medical plan to help keep premium increases (paycheck costs) as low as possible for the majority of our team members. While your out-of-pocket costs for services will increase some, Wellpath will continue to cover the largest share of your medical coverage cost.

For Bronze medical plan participants, Wellpath will no longer makea company contribution to your Health Savings Account (HSA).

highlights

Dear Wellpath Team Members,No doubt years from now we will look back on this time as both challenging and rewarding. Challenging in that we all have

been affected by the pandemic in some way; some more significantly than others. Rewarding in that we continue to fight

through this difficult time and find ways to serve despite all that is happening around us.

Every day I am amazed at the courage, determination and dedication of Wellpath team members. On behalf of the entire

executive team, thank you for your continuing efforts.

The pandemic has had an impact on our benefit plans as well. COVID-related claims were much higher than anticipated,

and we experienced increased claims for other chronic conditions as well, likely due to the deferral of many routine healthcare

services. And since our plan is self-funded—meaning we pay directly for each team member’s healthcare expenses—these costs

come right off our bottom line. Despite these challenges, we’ve worked hard to minimize premium increases for next year.

For most of our medical plans, team members will see a 2 to 8.4% increase in their per-paycheck cost beginning January 1.

Your increase will depend on the plan option in which you are enrolled, individual versus family coverage, and your salary.

Despite these financial hurdles, we are pleased to continue to provide a competitive benefits program for all team members.

For 2022, we have made changes to our medical plan to ensure we could keep increased paycheck costs to a minimum

while still offering the coverage you need. And we continue to look for ways to add value to the benefits we provide. A new

offering for next year is a cancer support service that offers virtual access to worldwide experts who can help you manage

a diagnosis and evaluate treatment options with confidence.

We make many choices in life, and as part of the Wellpath team, we’ve chosen to help others. Now is the time for you to

choose what’s best for you in the coming year. Enrollment begins October 27. Review the materials you receive in the

coming weeks and use our decision-support tool to help you select the coverage you need in 2022.

Sincerely,

Ann Hatcher | Chief Human Resources Officer

All team members and covered dependents will have access to a new cancer support program. Cancer Expert Now offers virtual access to oncology experts around the world so you can ask questions, understand diagnosis options and make confident treatment choices.

Team members who have payroll direct deposit with Bankof America can take advantage of a new employee bankingprogram that offers waived account fees, special mortgageinterest rates and other benefits.

Our optional ID theft program through Allstate Identity Protection has been enhanced with new tools and additional family and financial protections at no additional cost.

The 2022 Wellpath holiday schedule is changing, but the number of paid days off will remain the same. Beginning next year, we willhave seven company holidays (versus six in 2021) and two floating holidays (versus three in 2021). In essence, one of the floating holidays will now be observed as a company holiday for Martin Luther King, Jr. Day. (Note: This change does not apply to team members who are part of a collective bargaining agreement or who work at a location that follows the client holiday schedule.)

Medical coverage changesHere’s an overview of changes to our 2022 medical plan options.

Bronze Silver Gold Platinum (Kaiser plan)

• Eligible services and prescription drugs: Theamount the plan pays for eligible servicesand prescription drugs (coinsurance) ischanging to 80% (85% currently).

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization(PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’san emergency.

• HSA contribution: Wellpath will no longermake a company contribution to your HealthSavings Account (HSA).

• Deductibles: Increasing for individual coverage from$2,000 to $2,500, and from $4,000 to $5,000 for family coverage.

• Providers: The current Aetna provider network is changing to an Exclusive Provider Organization (EPO) network. It’s the same as the current Preferred Provider Organization (PPO) network. However, there will be no coverage under the plan if you visit a provider outside of the network, unless it’s an emergency.

• Copays: Increasing from $35 to $50 for specialist visits and urgent care, and from $200 to $250 for emergency room visits.

• Deductibles: Increasing for individual coverage from $1,000 to $1,500, and from $2,000 to $3,000 for family coverage.

• Prescriptions: Under the Kaiser plan, the maximum you will pay for a prescriptionspecialty drug is increasing from $200 to $250.

GS PB

1 Take advantage of $0 copays for on-demand video doctor visits for urgentcare and mental health services.

2 Consider increasing your contributions to your Flexible Spending Account (FSA)if you are in the Silver, Gold or Platinum plans. You can use this account to pay for everyday healthcare expenses by using tax-free dollars.

3 If you are in the Bronze medical option and don’t currently contributethe maximum amount to your Health Savings Account (HSA), consider increasing your contributions so you can use tax-free dollars to pay for covered medical expenses.

4 Enroll in accidental injury, critical illness and hospital careinsurance offered through Cigna. This voluntary benefit complements your Wellpath medical coverage by helping you pay out-of-pocket healthcare expenses with convenient payroll deductions.

5 If you are married and your spouse has coverage availablefor you under his or her plan, consider whether enrolling in your spouse’s plan would save you money.

Non-vaccinated surcharge

Get your flu shot this fall—it’s covered!

If you’re enrolled in the

Wellpath medical plan, you

can get a flu shot at no cost

to you. Wellpath covers 100%

of the cost for you and your

covered dependents.

55 ways to manage healthcare costs

NEW ID cards will be issued for all plans next year.

Gold concierge care: Gold plan members have access to a concierge team that can help with a range of services, such as finding a doctor or specialist, issues with a bill, or requesting a cost estimate. See moreinformation in the 2022 Benefits Guide available in the Benefits Portal on WoW beginning October 27.

Whether to receive a vaccination or not is a key question all team members have addressed this year. At Wellpath, we believe in the science of vaccination and know that if our team members are vaccinated, they’re in a better position to provide care to our patients and protect their coworkers.

As members of the healthcare community, we support all efforts that help end the spread of COVID-19. If you enroll in anyof the medical plan options for 2022, you must select your vaccination status in the Benefits Portal on WoW during annual open enrollment. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

Changing your statusYou may update your vaccination status and have the surcharge waived at any time throughout the year.

If you receive the vaccine, notify the BenefitsService Center at 844-378-0630, 8:30 a.m. – 8 p.m., ET, Monday – Friday. The change maytake up to two pay periods to be reflected in your paycheck. You will not be reimbursed forprior paycheck surcharges, so be sure to notifythe Benefits Service Center of vaccination status changes as soon as possible.

ExemptionsExemptions are available for medical conditions and sincerely held religious beliefs. Team members with valid exemptions will not be subject to the surcharge. You may access the forms necessary to request an exemption on WoW. Go to WoW > Departments > Clinical > Coronavirus > Documents > Coronavirus COVID-19 Resources > HR > COVID-19 Accommodation Request Forms.

Get the right Annual enrollment is your once-a-year opportunity to

update your Wellpath benefits coverage. A lot can change

from year to year, including costs, networks and your

needs. It pays to double-check your current elections,

and Wellpath’s benefit advisor tool, ALEX®, can help.

When you enroll online, just answer a few questions

about your needs and ALEX will create custom coverage

recommendations for you. It’s easy, confidential and takes

just minutes to be sure you have the right fit for 2022.

Here’s what to know and do:

1 Review this mailer.

2 Find details in the 2022 Benefits Guide in the Benefits Portal on WoW (available October 27).

3Actively enroll beginning October 27 to indicate your vaccination status and avoid the non-vaccinated surcharge.

Action required: If you’re enrolled in medical coverage, you must select your vaccination status by November 9. Otherwise, you will bedefaulted to “non-vaccinated” and willpay $46.15 per paycheck next year to helpcover costs associated with COVID-19.

Enroll October 27 – November 9, 2021

1283 Murfreesboro Road, Suite 500

Nashville, TN 37217

First Name Last NameStreet Address Line 1Street Address 2City, State ZIP Code

New programs and enhancements .

Personalized cancer treatment supportReceiving a cancer diagnosis is a life-changing and overwhelming experience. Cancer Expert Now provides personalized, expert guidance from leading oncologists around the world. Private, virtual doctor-patient consultations can help minimize the fear around a cancer diagnosis by empowering you or a loved one with knowledge and support.

Waived fees and other banking benefitsIf you receive your pay through direct deposit at Bank of America, you’ll save money with the new Bank of America employee banking program. The program offers waived fees for ATM withdrawals, wire transfers, stop payment and many other banking services. You’ll also have access to special mortgage discounts. Current account holders will receive more information from Bank of America and will have fees waived beginning January 2022.

To set up direct deposit with Wellpath, go to WoW and select Application Links, and then select ADP Self Service.

New tools and enhanced family and financial protectionVoluntary identity theft coverage through Allstate Identity Protection will offer new and enhanced features with no change in rates:

• New protection for senior family members, reimbursements forhome title theft, professional impersonation, and even stolen walletemergency cash

• An unemployment fraud center with dedicated support andeasy-to-use tools

• Targeted tips to help you better understand and improve youridentity health

• New privacy management tools to help you unsubscribe frommarketing emails and manage your personal information

• Allstate Security ProSM, designed to educate and warn you aboutemerging fraud even faster

Ready, set, goTHREE EASY WAYS TO ENROLL STARTING OCTOBER 27

Online App Phone A few reminders:1. Have documentation ready if you plan

to enroll dependents (such as birthcertificates). You’ll be asked to submitverification during the enrollment process, and dependent coverage willnot take effect until the documents havebeen provided and approved.

2. Update beneficiaries if needed for your company-provided life insurance, and if selected, voluntary life insurance plans.

3. Deductions for 2022 benefits will beginwith your January 7th or January 14th

paycheck, depending on your pay cycle.

Go to www.wellpath.us, click Application Links, and then Benefits Portal. Enter your Wellpath credentials to log in. If you have problems accessing the WoW site or the Benefits Portal, contact the Helpdesk at 866-631-0051. Note: If you’re unable to log in due to Internet Explorer browser issues, try accessing the site using Chrome or enroll using the mobile app.

Download the freeBenefitFocus app from theApp Store® or Google Play (company ID: Wellpath).

Call the Benefits Service Center at 844-378-0630, 8:30 a.m. – 8 p.m. ET, Monday – Friday.

CORE

Should any information in this newsletter differ from plan documents/contracts, the Plan document/contract shall govern. This document constitutes a Summary of Material Modificationto the Summary Plan Description with respect to any plan changes. Keep it for future reference.

Heads UPSee what’s coming to yourbenefit plans in 2022.

Annual benefits enrollment: October 27 – November 9

Here to helpWellpath provides resources to support you when you need it most, including on-demand video doctor visits and no copays for urgent care or mental health services. You also can access confidential, 24/7 counseling and support through our Employee Assistance Program (EAP) or meet face-to-face with a licensed clinician (up to three sessions per issue). Find more information on WoW under Application Links.

fit Not enrolling?If you don’t actively enroll for your benefits

by November 9:

• Most of your current elections will roll over to next year, including medical, dental, vision, life/AD&D and any voluntary benefit plans in which you’re currently enrolled (except the Health Savings Account and Flexible Spending Accounts). However, you must select your vaccination status in the Benefits Portal on WoW by November 9. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

• You will not be able to participate in a Health Savings Accountor Flexible Spending Account in 2022. You must re-enroll inthese accounts each year.

• You won’t be able to make any changes, other than vaccination status, until the next annual enrollment period (unless you have a qualifying event, like getting married or having a baby).

Get the right Annual enrollment is your once-a-year opportunity to

update your Wellpath benefits coverage. A lot can change

from year to year, including costs, networks and your

needs. It pays to double-check your current elections,

and Wellpath’s benefit advisor tool, ALEX®, can help.

When you enroll online, just answer a few questions

about your needs and ALEX will create custom coverage

recommendations for you. It’s easy, confidential and takes

just minutes to be sure you have the right fit for 2022.

Here’s what to know and do:

1 Review this mailer.

2 Find details in the 2022 Benefits Guide in the Benefits Portal on WoW (available October 27).

3Actively enroll beginning October 27 to indicate your vaccination status and avoid the non-vaccinated surcharge.

Action required: If you’re enrolled in medical coverage, you must select your vaccination status by November 9. Otherwise, you will bedefaulted to “non-vaccinated” and willpay $46.15 per paycheck next year to helpcover costs associated with COVID-19.

Enroll October 27 – November 9, 2021

1283 Murfreesboro Road, Suite 500

Nashville, TN 37217

First Name Last NameStreet Address Line 1Street Address 2City, State ZIP Code

New programs and enhancements .

Personalized cancer treatment supportReceiving a cancer diagnosis is a life-changing and overwhelmingexperience. Cancer Expert Now provides personalized, expert guidancefrom leading oncologists around the world. Private, virtual doctor-patientconsultations can help minimize the fear around a cancer diagnosis by empowering you or a loved one with knowledge and support.

Waived fees and other banking benefitsIf you receive your pay through direct deposit at Bank of America, you’ll save money with the new Bank of America employee banking program. The program offers waived fees for ATM withdrawals, wire transfers, stop payment and many other banking services. You’ll also have access to special mortgage discounts. Current account holders will receive more information from Bank of America and will have fees waived beginning January 2022.

To set up direct deposit with Wellpath, go to WoW and select Application Links, and then select ADP Self Service.

New tools and enhanced family and financial protectionVoluntary identity theft coverage through Allstate Identity Protection will offer new and enhanced features with no change in rates:

• New protection for senior family members, reimbursements for home title theft, professional impersonation, and even stolen wallet emergency cash

• An unemployment fraud center with dedicated support and easy-to-use tools

• Targeted tips to help you better understand and improve your identity health

• New privacy management tools to help you unsubscribe from marketing emails and manage your personal information

• Allstate Security ProSM, designed to educate and warn you about emerging fraud even faster

Ready, set, goTHREE EASY WAYS TO ENROLL STARTING OCTOBER 27

Online App Phone A few reminders:1. Have documentation ready if you plan

to enroll dependents (such as birthcertificates). You’ll be asked to submitverification during the enrollment process, and dependent coverage willnot take effect until the documents havebeen provided and approved.

2. Update beneficiaries if needed for your company-provided life insurance, and if selected, voluntary life insurance plans.

3. Deductions for 2022 benefits will beginwith your January 7th or January 14th

paycheck, depending on your pay cycle.

Go to www.wellpath.us, click Application Links, and then Benefits Portal. Enter your Wellpath credentials to log in. If you have problems accessing the WoW site or the Benefits Portal, contact the Helpdesk at 866-631-0051. Note: If you’re unable to log in due to Internet Explorer browser issues, try accessing the site using Chrome or enroll using the mobile app.

Download the freeBenefitFocus app from theApp Store® or Google Play (company ID: Wellpath).

Call the Benefits Service Center at 844-378-0630, 8:30 a.m. – 8 p.m. ET, Monday – Friday.

CORE

Should any information in this newsletter differ from plan documents/contracts, the Plan document/contract shall govern. This document constitutes a Summary of Material Modificationto the Summary Plan Description with respect to any plan changes. Keep it for future reference.

Heads UPSee what’s coming to yourbenefit plans in 2022.

Annual benefits enrollment: October 27 – November 9

Here to helpWellpath provides resources to support you when you need it most, including on-demand video doctor visits and no copays for urgent care or mental health services. You also can access confidential, 24/7 counseling and support through our Employee Assistance Program (EAP) or meet face-to-face with a licensed clinician (up to three sessions per issue). Find more information on WoW under Application Links.

fit Not enrolling?If you don’t actively enroll for your benefits

by November 9:

• Most of your current elections will roll over to next year, includingmedical, dental, vision, life/AD&D and any voluntary benefitplans in which you’re currently enrolled (except the HealthSavings Account and Flexible Spending Accounts). However,you must select your vaccination status in the Benefits Portalon WoW by November 9. Otherwise, you will be defaulted to“non-vaccinated” and will pay $46.15 per paycheck next yearto help cover costs associated with COVID-19.

• You will not be able to participate in a Health Savings Accountor Flexible Spending Account in 2022. You must re-enroll inthese accounts each year.

• You won’t be able to make any changes, other than vaccinationstatus, until the next annual enrollment period (unless you havea qualifying event, like getting married or having a baby).

Get the right Annual enrollment is your once-a-year opportunity to

update your Wellpath benefits coverage. A lot can change

from year to year, including costs, networks and your

needs. It pays to double-check your current elections,

and Wellpath’s benefit advisor tool, ALEX®, can help.

When you enroll online, just answer a few questions

about your needs and ALEX will create custom coverage

recommendations for you. It’s easy, confidential and takes

just minutes to be sure you have the right fit for 2022.

Here’s what to know and do:

1 Review this mailer.

2 Find details in the 2022 Benefits Guide in the Benefits Portal on WoW (available October 27).

3Actively enroll beginning October 27 to indicate your vaccination status and avoid the non-vaccinated surcharge.

Action required: If you’re enrolled in medical coverage, you must select your vaccination status by November 9. Otherwise, you will bedefaulted to “non-vaccinated” and willpay $46.15 per paycheck next year to helpcover costs associated with COVID-19.

Enroll October 27 – November 9, 2021

1283 Murfreesboro Road, Suite 500

Nashville, TN 37217

First Name Last NameStreet Address Line 1Street Address 2City, State ZIP Code

New programs and enhancements .

Personalized cancer treatment supportReceiving a cancer diagnosis is a life-changing and overwhelmingexperience. Cancer Expert Now provides personalized, expert guidancefrom leading oncologists around the world. Private, virtual doctor-patientconsultations can help minimize the fear around a cancer diagnosis by empowering you or a loved one with knowledge and support.

Waived fees and other banking benefitsIf you receive your pay through direct deposit at Bank of America, you’ll save money with the new Bank of America employee banking program. The program offers waived fees for ATM withdrawals, wire transfers, stop payment and many other banking services. You’ll also have access to special mortgage discounts. Current account holders will receive more information from Bank of America and will have fees waived beginning January 2022.

To set up direct deposit with Wellpath, go to WoW and select Application Links, and then select ADP Self Service.

New tools and enhanced family and financial protectionVoluntary identity theft coverage through Allstate Identity Protection will offer new and enhanced features with no change in rates:

• New protection for senior family members, reimbursements for home title theft, professional impersonation, and even stolen wallet emergency cash

• An unemployment fraud center with dedicated support and easy-to-use tools

• Targeted tips to help you better understand and improve your identity health

• New privacy management tools to help you unsubscribe from marketing emails and manage your personal information

• Allstate Security ProSM, designed to educate and warn you about emerging fraud even faster

Ready, set, goTHREE EASY WAYS TO ENROLL STARTING OCTOBER 27

Online App Phone A few reminders:1. Have documentation ready if you plan

to enroll dependents (such as birthcertificates). You’ll be asked to submitverification during the enrollmentprocess, and dependent coverage willnot take effect until the documents havebeen provided and approved.

2. Update beneficiaries if needed for yourcompany-provided life insurance, and ifselected, voluntary life insurance plans.

3. Deductions for 2022 benefits will beginwith your January 7th or January 14th

paycheck, depending on your pay cycle.

Go to www.wellpath.us, click Application Links, and then Benefits Portal. Enter your Wellpath credentials to log in. If you have problems accessing the WoW site or the Benefits Portal, contact the Helpdesk at 866-631-0051. Note: If you’re unable to log in due to Internet Explorer browser issues, try accessing the site using Chrome or enroll using the mobile app.

Download the free BenefitFocus app from the App Store® or Google Play (company ID: Wellpath).

Call the Benefits Service Center at 844-378-0630, 8:30 a.m. – 8 p.m. ET, Monday – Friday.

CORE

Should any information in this newsletter differ from plan documents/contracts, the Plan document/contract shall govern. This document constitutes a Summary of Material Modification to the Summary Plan Description with respect to any plan changes. Keep it for future reference.

Heads UPSee what’s coming to yourbenefit plans in 2022.

Annual benefits enrollment: October 27 – November 9

Here to helpWellpath provides resources to support you when you need it most, including on-demand video doctor visits and no copays for urgent care or mental health services. You also can access confidential, 24/7 counseling and support through our Employee Assistance Program (EAP) or meet face-to-face with a licensed clinician (up to three sessions per issue). Find more information on WoW under Application Links.

fit Not enrolling?If you don’t actively enroll for your benefits

by November 9:

• Most of your current elections will roll over to next year, including medical, dental, vision, life/AD&D and any voluntary benefit plans in which you’re currently enrolled (except the Health Savings Account and Flexible Spending Accounts). However, you must select your vaccination status in the Benefits Portal on WoW by November 9. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

• You will not be able to participate in a Health Savings Accountor Flexible Spending Account in 2022. You must re-enroll inthese accounts each year.

• You won’t be able to make any changes, other than vaccination status, until the next annual enrollment period (unless you have a qualifying event, like getting married or having a baby).

Get the right Annual enrollment is your once-a-year opportunity to

update your Wellpath benefits coverage. A lot can change

from year to year, including costs, networks and your

needs. It pays to double-check your current elections,

and Wellpath’s benefit advisor tool, ALEX®, can help.

When you enroll online, just answer a few questions

about your needs and ALEX will create custom coverage

recommendations for you. It’s easy, confidential and takes

just minutes to be sure you have the right fit for 2022.

Here’s what to know and do:

1 Review this mailer.

2 Find details in the 2022 Benefits Guide in the Benefits Portal on WoW (available October 27).

3Actively enroll beginning October 27 to indicate your vaccination status and avoid the non-vaccinated surcharge.

Action required: If you’re enrolled in medical coverage, you must select your vaccination status by November 9. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

Enroll October 27 – November 9, 2021

1283 Murfreesboro Road, Suite 500

Nashville, TN 37217

New programs and enhancements .

Personalized cancer treatment supportReceiving a cancer diagnosis is a life-changing and overwhelmingexperience. Cancer Expert Now provides personalized, expert guidancefrom leading oncologists around the world. Private, virtual doctor-patientconsultations can help minimize the fear around a cancer diagnosis by empowering you or a loved one with knowledge and support.

Waived fees and other banking benefitsIf you receive your pay through direct deposit at Bank of America, you’ll save money with the new Bank of America employee banking program. The program offers waived fees for ATM withdrawals, wire transfers, stop payment and many other banking services. You’ll also have access to special mortgage discounts. Current account holders will receive more information from Bank of America and will have fees waived beginning January 2022.

To set up direct deposit with Wellpath, go to WoW and select Application Links, and then select ADP Self Service.

New tools and enhanced family and financial protectionVoluntary identity theft coverage through Allstate Identity Protection will offer new and enhanced features with no change in rates:

• New protection for senior family members, reimbursements for home title theft, professional impersonation, and even stolen wallet emergency cash

• An unemployment fraud center with dedicated support and easy-to-use tools

• Targeted tips to help you better understand and improve your identity health

• New privacy management tools to help you unsubscribe from marketing emails and manage your personal information

• Allstate Security ProSM, designed to educate and warn you about emerging fraud even faster

Ready, set, goTHREE EASY WAYS TO ENROLL STARTING OCTOBER 27

Online App Phone A few reminders:1. Have documentation ready if you plan

to enroll dependents (such as birthcertificates). You’ll be asked to submitverification during the enrollment process, and dependent coverage willnot take effect until the documents havebeen provided and approved.

2. Update beneficiaries if needed for your company-provided life insurance, and if selected, voluntary life insurance plans.

3. Deductions for 2022 benefits will beginwith your January 7th or January 14th

paycheck, depending on your pay cycle.

Go to www.wellpath.us, click Application Links, and then Benefits Portal. Enter your Wellpath credentials to log in. If you have problems accessing the WoW site or the Benefits Portal, contact the Helpdesk at 866-631-0051. Note: If you’re unable to log in due to Internet Explorer browser issues, try accessing the site using Chrome or enroll using the mobile app.

Download the freeBenefitFocus app from theApp Store® or Google Play (company ID: Wellpath).

Call the Benefits Service Center at 844-378-0630, 8:30 a.m. – 8 p.m. ET, Monday – Friday.

CORE

Should any information in this newsletter differ from plan documents/contracts, the Plan document/contract shall govern. This document constitutes a Summary of Material Modificationto the Summary Plan Description with respect to any plan changes. Keep it for future reference.

Heads UPSee what’s coming to yourbenefit plans in 2022.

Annual benefits enrollment: October 27 – November 9

Here to helpWellpath provides resources to support you when you need it most, including on-demand video doctor visits and no copays for urgent care or mental health services. You also can access confidential, 24/7 counseling and support through our Employee Assistance Program (EAP) or meet face-to-face with a licensed clinician (up to three sessions per issue). Find more information on WoW under Application Links.

fit Not enrolling?If you don’t actively enroll for your benefits

by November 9:

• Most of your current elections will roll over to next year, including medical, dental, vision, life/AD&D and any voluntary benefit plans in which you’re currently enrolled (except the Health Savings Account and Flexible Spending Accounts). However, you must select your vaccination status in the Benefits Portal on WoW by November 9. Otherwise, you will be defaulted to “non-vaccinated” and will pay $46.15 per paycheck next year to help cover costs associated with COVID-19.

• You will not be able to participate in a Health Savings Accountor Flexible Spending Account in 2022. You must re-enroll inthese accounts each year.

• You won’t be able to make any changes, other than vaccination status, until the next annual enrollment period (unless you have a qualifying event, like getting married or having a baby).