HighlightsMANDATORY BENEFITS ENROLLMENT ENROLLMENT & ELIGIBILITY MEDICAL CARRIERYOU MUST TAKE ACTION! If you do not take action during your new hire enrollment window, you will not be able to make any changes to your benefits until the next Annual Enrollment (for the 2021 plan year) unless you have a Qualifying Life Event.

As long as you enroll in benefits within 31 days of your hire date, your benefits will be effective on the 1st of the month following 60 days. You are eligible for benefits if you are a full time employee, working at least 30 hours per week.

Aetna is our medical insurance provider. With Aetna, you can see any in-network provider at any time, no referrals needed. We are also introducing a third medical plan to our offering, providing cost efficient access to high-quality doctors, hospitals and specialists.

IT’S TIME TO ENROLLFULL-TIME

2020 BENEFITS

WELCOME TO YOUR 2020 BENEFITSManna Development Group is built on family values and one simple premise - treat others as you would like to be treated. These ideals do not just apply to the way we treat our customers but also to the way we approach rewarding our employees. We offer you benefit options that focus on both your physical needs and your emotional wellbeing. You are our most valued resource. Providing you with outstanding benefits is one way we thank you for your service and dedication.

For a full description of benefits, visit the Benefits Micrositewww.yourmannabenefits.com (password: manna).

ACTION REQUIREDYou are required to enroll in or decline coverage. If you do not enroll in

coverage within 31 days of your hire date, your next opportunity to enroll in coverage will be January 2021, unless you have a Qualified Life Event.

Being healthy is easy with Interactive Health. With our online tools, you can:• Earn up to $600 in your HSA plan for participating• Learn about your current health status through a health evaluation and health assessment. • Receive a detailed report which includes your Personal Health Score, Goal and Action Plan. • Complete a Health Risk Assessment or Preventive Screening

Your health plan is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all employees. If you think you might be unable to complete the Health Risk document or participate in the preventative screening and biometric screening under this wellness program, you might qualify for an opportunity to earn the same reward by a different means. Contact Manna at 760-944-1070, ext. 220. We will work with you (and, if you wish, with your doctor) to develop another way to qualify for the reward.

Note: If you receive the Manna wellness $600 credit in your HSA account, your annual allowance will be reduced by that amount.

Preventive Screening (Yearly)/Health Risk Assessment (Yearly)

Results of Screening show Improved or Maintained Good Health

How to Earn Points

Achieve Personal Health GoalComplete Health Evaluation (Year One Participants)

Complete Health Evaluation (Biometric Screening and Health Assessment)

MANNA’S WELLNESS PROGRAM

Manna Development2339 11th StreetEncinitas, CA 92024

2020 Benefits InformationOPEN IMMEDIATELY Visit www.yourmannabenefits.com (password: manna) to learn more about

your 2020 benefits and enroll in coverage. .

DON’T FORGET YOUR

MEDICAL, DENTAL, AND VISION

VOLUNTARY BENEFITS

BI-WEEKLY PREMIUMSWELCOME TO

YOUR 2020

Your Benefits

BENEFIT HIGHLIGHTS

All in with Aetna

Aetna Concierge

Health Savings Account

Dependent Care Flexible Spending Account

Livongo

Progyny

One Carrier. Three Choices.

Spousal Surcharge

If you enroll your spouse in medical coverage, you will be asked to certify whether he or she is eligible for coverage through their employer. If your spouse is eligible for other employer-sponsored coverage – even if he or she does not elect to enroll in the other coverage– you will pay an additional spousal surcharge of $46.16 per pay period to cover them under a Manna medical plan. The surcharge is paid on a pre-tax basis and does not apply if your spouse also works for Manna Development.

We offer you two great dental plan options through Premier Access, a Base and Buy-Up plan. With the Buy-Up DPPO plan, you can get cleanings up to 3 times per year and have access to orthodontia coverage for both yourself and your dependents!

You have a personal health assistant, 24 hours a day, 7 days a week. Your Concierge can help you find a provider, answer questions about your medical plan, assist with claims inquiries, and more! Call 1-888-402-1228 to speak with your Concierge today!

Manna contributes up to $600 on your behalf each year up if you participate in our Wellness program. You can contribute up to $3,550 annually as an individual or $7,100 for a family. Funds roll over from year-to-year!

Contribute up to $5,000 annually to pay for services in a daycare cen-ter or services for providing care for a qualified dependent. You must use your Flexible Spending Account (FSA) funds in 2020.

If you or a family member have been diagnosed with diabetes or hypertension, you qualify for our new Livongo program. This program includes coaching, a glucose meter and unlimited lancets and test strips - all at no cost to you!

The Progyny benefit is designed to assist covered employees and their partners in all paths to family building. In addition to a comprehensive fertility treatment benefit, Progyny also offers support and navigation of adoption and surrogacy for patients that do not progress to fertility treatments.

Manna provides three medical plan options for you to choose from. Two High Deductible Health Plans (HDHP Plans) that are Health Savings Account (HSA) eligible and one Exclusive Provider Option (EPO) plan.

Aetna is our Medical insurance provider. With Aetna, you can see any provider at any time, no referrals needed, as long as they are in-network.

YOUR 2020 MEDICAL PLANS AT A GLANCE

YOUR DENTAL PLANS AT A GLANCE

Base Plan Buy-Up Plan Performance Plan

Network In-Network OnlyAetna APCN+

In-Network OnlyAetna Open Access

In-Network OnlyAetna APCN+

Deductible $3,000 (Individual)$6,000 (Family)

$1,400 (Individual)$2,800 (Family)

$750 (Individual)$1,500 (Family)

Out-of-Pocket Maximum $4,500 (Individual)$9,000 (Family)

$2,700 (Individual)$5,400 (Family)

$3,000 (Individual)$6,000 (Family)

HSA Compatible / Company HSA Contribution Yes / Up to $600 Yes / Up to $600 No / Not HSA Eligible

Medical Visit (Primary Care / Specialist)

You pay 20% coinsurance

You pay 20% coinsurance

$25 copay / $50 copay

Urgent Care / Emergency Room

You pay 20% coinsurance

You pay 20% coinsurance

$50 copay /$200 copay

Lab Work and Diagnostic Tests

You pay 20% coinsurance

You pay 20% coinsurance

You pay 20% coinsurance

Preventive Prescriptions 100% before deductible

100% before deductible

100% before deductible

Pharmacy(Generic / Brand / Non-Preferred Brand / Specialty)

$10 copay after deductible / $40 copay after deductible / $65 copay after deductible / 30% coinsurance

$10 copay after deductible / $40 copay after deductible / $65 copay after deductible / 30% coinsurance

$10 copay / $40 copay / $65 copay / 30% coinsurance

Base DPPO Plan

Buy-Up DPPO Plan

Network Premier Choice Premier Choice

Preventive Services

100% no deductible

100% no deductible

Cleanings 2 per year 3 per year

Deductible $25 (Individual)$75 (Family)

$25 (Individual)$75 (Family)

Basic Services 90% after deductible

100% no deductible

Major Services 60% after deductible

70% after deductible

Orthodontic Services

50% no deductible

50% no deductible

Orthodontia Lifetime Max

$2,000children only

$2,000adults & children

Tier Base Plan Buy-Up Plan Performance Plan

Non-Tobacco Tobacco Non-Tobacco Tobacco Non-Tobacco TobaccoEmployee OnlyEmployee + SpEmployee + ChFamily

$46.96$211.91$162.73$317.14

$105.05$270.00$220.81$375.22

$114.67$320.87$249.71$472.08

$262.26$468.46$397.30$619.67

$131.49$364.42$278.55$520.43

$287.49$520.41$434.55$676.43

Tier Dental DPPO Base Dental DPPO Buy-Up

Employee OnlyEmployee + SpEmployee + ChFamily

$11.55$24.84$26.65$39.36

$17.86$38.58$36.93$57.78

Tier Vision Plan

Employee OnlyEmployee + SpEmployee + ChFamily

$2.58$4.89$5.15$7.57

Find an Aetna Provider

PRESCRIPTION DRUG COVERAGEWhen you enroll in medical coverage, you automatically receive prescription drug coverage. MedImpact prescription drug carrier. MedImpact will offer a great lineup of convenient ways to fill prescriptions:• Fill 30-day prescriptions at retail pharmacies• To save money, buy 90-day supplies of most medications:

- At retail pharmacies (excluding Walgreen’s), or- Through MedImpact’s mail order service

Our medical plans are In-Network Only plans. That means you must visit an In-Network provider to receive medical coverage. To find an Aetna provider:

1. Log on to: http://www.aetna.com2. Click on “Find a Doctor” located at the top of the page.3. Under the “Guests” option, click on “Plan from an Employer”4. Under “Aetna Premier Care Network Plus” Select “2020 (APCN Plus) Open Access Aetna Select”5. Click “Medical Doctors & Specialists”6. Click “All Primary Care Physicians” and the provider listing will appear.7. Your provider listing will include specific providers currently accepting your Aetna Health Plan. You must call and check with the provider before scheduling your appointment or receiving services to confirm if he/she is still participating in Aetna’s network. 8. To print your provider directory, click “Print a Provider Directory”

www.yourmannabenefits.comBENEFITS WEBSITE

Your One-Stop-ShopThis site has everything you need including:

• Benefit Plan Information• Summaries of Benefits and Coverage• Important documents & information• Frequently Asked Questions and Definitions

of Terms• Contact Information• Submit a Qualified Live Event• Enroll in Benefits

The password to enter the site is manna.

Important compliance notices can also be found here. A Sum-mary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is avail-able on www.yourmannabenefits.com (password - ‘manna’). A paper copy is also available, free of charge, by calling 760-944-1070, ext. 220 or emailing hr@mannadevelopment.com.

You are provided a Unum Whole Life plan. You may enroll in coverage up to $300,000 while earning cash value! Spouse & child coverage is also available.

Whole Life

Short Term DisabilityProvides you with up to 60% of your weekly income if you can’t work temporarily due to a covered illness, injury or a pregnancy-related condition.

Critical IllnessChoose between Basic Benefit Amounts of up to $10,000, $15,000, or $30,000 payable at time of diagnosis of included Critical Illnesses.

Group AccidentOn-or-off-the-job protection. The High Plan includes $1,500 for Hospital Confinement, $75 for Outpatient Physician, & up to $500 for Medical Expenses.

Identity TheftTwo levels of coverage to help protect you and your family. LifeLock detects suspicious activity within their network, alerting you and helping you with resolution.

Hospital IndemnityHospital Indemnity coverage picks up where other insurance leaves off and provides cash to help cover hospital expenses.

Manna Development permits the insurer to offer employees of Manna Development certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Manna Development does not make a contribution towards the cost of these pro-grams and employees pay the full cost of premiums on an after-tax basis. Manna Development does not sponsor, maintain, endorse, recommend, or

promote these voluntary programs.