Thrush Aircraft - 2023 Benefits Guide

BENEFITS GUIDE 2023 PLAN YEAR

TABLE OF CONTENTS

I ntroduction . . . . . . . . . . . . . . . . . . . . . . . Employee Navigator . . . . . . . . . . . . . . . . Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . HSA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . Basic Life AD&D. . . . . . . . . . . . . . . . . . Disability . . . . . . . . . . . . . . . . . . . . . . . . Aflac Products . . . . . . . . . . . . . . . . . . . Member Claims Advocate . . . . . . . . . FAQ . . . . . . . . . . . . . . . . . . . . . . . . . . . . Legal Notices . . . . . . . . . . . . . . . . . . . . Medicare Part D. . . . . . . . . . . . . . . . . COBRA. . . . . . . . . . . . . . . . . . . . . . . . . Exchange Notices. . . . . . . . . . . . . . . . Contact Information. . . . . . . . . . . . . .

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Thrush Aircraft is proud to offer you a comprehensive benefits package for the 2023 - 2024 plan year. Keep in mind that new enrollment and changes will become effective January 1st, 2023.

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About Deductions

In preparation of your enrollment, please have the following information readily available for you and your dependent(s): • Date(s) of birth • Social Security Number(s): Mandatory • Full name, relationship, and Social Security Number(s) for Life Beneficiary(ies). (Beneficiaries must be at least 18 years old or you will be required to name a guardian for him/her.) Information Needed for Enrollment Premiums for medical, dental and vision plans are all deducted on a pre-tax basis because they are covered under Section 125 of the Internal Revenue Code. Once you elect benefits you will not be approved to make changes to your election or drop coverage until the next Open Enrollment period, unless you have a qualifying event. Voluntary life, long-term disability and short-term disability insurance premiums are deducted on a post-tax basis and may be changed outside of the Open Enrollment period.

Eligibility Information

Qualifying Life Events

As an employee of Thrush Aircraft you may be eligible for enrollment in a variety of insurance products. Full-time employees may participate in the benefits package on the 1st of the month following 60 days. You may enroll your eligible dependents for coverage once you are eligible. Your eligible dependents include:

Qualifying events are events that cause an individual to lose his or her group health coverage. The type of qualifying event determines who the qualified beneficiaries are for that event and the period of time that a plan must offer continuation of coverage.

Qualifying events include:

• Marriage • Divorce or legal separation • Birth or adoption of a child • Death of spouse or dependent child • Change in employment status • Loss of other coverage • Entitlement to Medicare or Medicaid • Child turning 26 years old

• Your legal spouse • Your children up to age 26 (as identified in the plan document)

*Once your elections are effective, they will remain in effect through the plan year.

You must notify Human Resources within 30 days of the qualifying life event. Depending on the type of event, you may be asked to provide proof of the event. If you do not contact Human Resources within 30 days of the qualifying event, you will have to wait until the next annual enrollment period to make changes.

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

How to Enroll

Step 1: Creating your Employee Navigator Account

Welcome Email:

• You will receive a Welcome email from Employee Navigator • Click on the “Registration Link” in the email • Create an account with username and password of your choice

• Go to https://www.employeenavigator.com/benefits/Account/Register • Enter [First Name], then [Last Name] • Enter your Company Identifier [thrush] • PIN: Last four of your SSN • Enter your birthdate: MM/DD/YYY • Click “Next” to continue • When prompted, your username will be as follows: [First Name].[Last Name] Option 2:

Step 2: Complete HR Tasks

• Once your account is set up, you will be taken to your employee homepage.

• On the homepage, click the “Complete HR Tasks” to begin your new hire tasks first.

• The first few tasks require you to put in demographic information and e-sign for online acknowledgment.

T I P If you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”

Step 3: Benefit Elections

• To enroll dependents in a benefit, click the checkbox next to the dependent’s name under “Who am I enrolling?” If you do not click on their name(s), they will not get the insurance. • Below your dependents you can view your available plans and the cost per pay period. To elect a benefit, click Select Plan underneath the plan cost.

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Step 4: Forms

• If you have elected benefits that require a beneficiary designation, Primary Care Physician or completion of an Evidence of Insurability form, you will be prompted or required to complete.

Step 5: Review & Confirm Elections

• Review the benefits you selected on the enrollment summary page to make sure they are correct then click “Sign & Agree” to complete your enrollment. Print a summary of your elections for your records.

T I P If you miss a step you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps in the drop down bar to complete them. ALL STEPS MUST BE COMPLETED! Step 6: HR Tasks (if applicable)

• To complete any required HR tasks, click “Start Tasks”. If your HR department has not assigned any tasks, you’re finished!

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Medical and Pharmacy Coverage

Thrush Aircraft offers the following Medical plans through

Anthem and offers “in and out-of-network” benefits.

Insurance Carrier:

Anthem Medical Insurance

Medical Plan:

$3,500 / 80% Copay Plan

$5,000 / 100% HDHP w/HSA

In-Network: Office Visit Copay - Primary Care

$30

Deductible; then 100% Coinsurance

Office Visit Copay - Specialist Care

$75

Deductible; then 100% Coinsurance

Urgent Care Copay

$75

Deductible; then 100% Coinsurance

Emergency Room Care

$750 Copay; waived if admitted

Deductible; then 100% Coinsurance

Preventative Visit Copay

Diagnostic Testing & Blood Work

$30 or $75

Deductible; then 100% Coinsurance

Imaging

Deductible; then 80% Coinsurance

Deductible; then 100% Coinsurance

Coinsurance

80%

100%

Employee Deductible

$3,500

$5,000

Family Deductible

$7,000

$10,000

Employee Out-of-Pocket Max

$7,900 (includes deductible)

$6,900 (includes deductible)

Family Out-of-Pocket Max

$15,800 (includes deductible)

$13,800 (includes deductible)

Inpatient Hospital

Deductible; then 80% Coinsurance

Deductible; then 100% Coinsurance

Outpatient Hospital or Facility

Deductible; then 80% Coinsurance

Deductible; then 100% Coinsurance

Out-of-Network: Coinsurance

60%

50%

Employee Deductible

$7,000

$15,000

Family Deductible

$14,000

$30,000

Employee Out-of-Pocket Max

$15,000

$20,700

Family Out-of-Pocket Max

$30,000

$41,400

Prescription Drugs: ( 30 Day Supply) Tier 1

$15 Copay

Deductible; then 100% Coinsurance

Tier 2

$45 Copay

Deductible; then 100% Coinsurance

Tier 3

$70 Copay

Deductible; then 100% Coinsurance

Tier 4

20% to $300 max

Deductible; then 100% Coinsurance

Specialty

25% or 35%

Deductible; then 100% Coinsurance

Employee Bi-Weekly Deduction

Non-Nicotine

Nicotine

Non-Nicotine

Nicotine

Employee Only

$56.93

$87.98

$56.93

$87.98

Employee + Spouse

$279.45

$336.38

$279.45

$336.38

Employee + Child(ren)

$254.61

$305.33

$254.61

$305.33

Family

$500.94

$581.67

$500.94

$581.67

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Health Savings Account (HSA)

Your eligibility

In order to open and fund an HSA, you must meet the following requirements: • You are enrolled in Thrush Aircraft’s High Deductible Plan (HDHP) • Are not covered under another medical plan such as Medicare, Tricare or a spouse’s medical plan (not an HDHP) which provides similar coverage; and • Cannot be claimed as a dependent on another person’s insurance policy or tax return.

Qualified Health Care Expenses Each time you have a medical, dental or vision expense you decide if you want to pay with money from your HSA. “Qualified Medical Expenses” are determined by the US Treasury, 213(d) expenses, and detailed in IRS Publication 502. Some examples include but are not limited to:

2023 IRS Calendar Year Contribution Limit

2023

If you cover just yourself on the plan:

$3,850 $7,750 $1,000

•

Expenses that apply toward your deductible Prescription expenses

If you cover yourself and a spouse or dependents:

• • •

Age 55+ Catch-Up:

Contact lens fitting

Orthodontia • Acupuncture • Artificial teeth • Eye glasses

2023 Thrush Aircraft Annual Contribution to the HSA

• Employee Only - $500 annual contribution or $19.23 per pay period • Employee + Spouse - $1,000 annual contribution or $38.46 per pay period • Employee + Child(ren) - $1,000 annual contribution or $38.46 per pay period • Family - $1,500 annual contribution or $57.69 per pay period

Whose Medical Expenses Can You Use Your HSA Funds on?

Generally your:

•

Legally married spouse. Domestic partners are not covered under the tax code.

When You Can Begin Contributing

You may begin funding your HSA when your medical HDHP benefits begin.

• Permanently and totally disabled dependent of any age. • Dependent under the age of 19

You are able to contribute as little or as much (up to the IRS limit) as you wish out of each paycheck and this election may be changed at any time throughout the year. When You Cannot Contribute If you terminate HDHP medical plan coverage (or employment) with Thrush Aircraft, you may no longer contribute to your HSA through Thrush Aircraft payroll deduction. You own the HSA so your balance can be carried over year after year and the funds you contributed always belong to you. Benefits of an HSA

at the end of calendar year or a full-time student under the age of 24 at the end of the calendar year who also: Lived with you more than 1/2 the calendar year, and Didn’t provide over 1/2 his/her own support in the calendar year, and Didn’t file a joint tax return, other than to claim a refund Qualifying relative. See IRS Publication 502 for more information.

•

Tax Savings! An HSA provides triple tax savings: (1) tax deductions when you contribute to your account (2) tax-free investment earnings (3) tax-free withdrawals for qualified medical expenses

•

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Dental Coverage

Good dental care is critical to your overall well-being. With Sun Life Dental Insurance, you can get the attention your teeth need - at a cost you can afford. To get the most from your benefits and reduce out-of-pocket costs, choose an in-network provider by utilizing our large national network. These providers have agreed to file your claims and uphold the highest quality standards. You can find in-network providers at member.sunlifeconnect.com

Insurance Carrier:

Sun Life Dental Insurance

Plan Type:

Base Plan

Calendar Year Deductible Calendar Year Maximum

$50 Individual / $150 Family

$1,000

Preventive Services

100%

Basic Services Major Services

80% 50%

Orthodontia (dependent children only) Out-of-Network Reimbursement Employee Bi-Weekly Deduction Employee Only

$1,000

90th UCR

$14.77 $29.54 $28.15 $44.31

Employee + Spouse Employee + Child(ren)

Family

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Vision Coverage

You can help protect your eyesight by visiting an eye doctor regularly. Vision insurance includes an annual comprehensive eye exam with an eye care doctor. Taking care of your eyes today can lead to a better quality of life later. Seeing an in-network eye care provider can reduce your expenses with savings on frames, lenses, contacts, eye exams and more. You can find vision providers at vsp.com/eye-doctor

Insurance Carrier:

Sun Life Vision Insurance

Plan Type:

VSP

In-Network

Out-of-Network

Exam Copay

$10 Copay

Up to $45

Contact Lens Fitting Copay

$60 Copay

Up to $42

Lenses - Single lined

$25 Copay

Up to $30

Lenses - Bifocal lined

$25 Copay

Up to $50

Lenses - Trifocal

$25 Copay

Up to $60

Lenses - Lenticular

$25 Copay

Up to $100

Frames

$ 150 Allowance; then 20% off remaining balance

Up to $70

Elective Contact Lenses (in place of lenses & frame) Medically Necessary Contacts

$150 Allowance

Up to $105

$10 Copay

Up to $210

Frequency for Exam / Lenses / Frames

12 months / 12 months / 12 months

Employee Bi-Weekly Deduction Employee Only

$2.77

Employee + Spouse

$5.54

Employee + Child(ren)

$6.00

Family

$9.23

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Basic Life and AD&D Insurance Coverage

Thrush Aircraft provides all Full Time employees with Basic Life and Accidental Death & Dismemberment at no cost to employees.

Insurance Carrier: Basic Life w/ AD&D Eligibility Requirement Life Insurance Benefit

Sun Life Basic Life w/AD&D Insurance

All Full Time Employees

$25,000

Guarantee Issue

Yes

Accidental Death & Dismemberment Benefit (AD&D)

Same as Basic Life Amount

Voluntary Term Life Insurance Coverage

As a supplemental benefit, Thrush Aircraft allows eligible employees to purchase additional life insurance coverage for yourself and your dependents. This coverage is paid for by you and is offered through Sun Life. Rates for the voluntary term life insurance are based on age, and volume, and benefits are subject to applicable age reductions.

Insurance Carrier:

Sun Life Voluntary Life w/AD&D Insurance

Voluntary Life w/ AD&D Eligibility Requirement Employee Benefit Amounts Employee

All Full Time Employees

5x Annual Earnings up to $300k in increments of $10k

Spouse

50% of Employee Election up to $150k in increments of $5k

Child(ren)

50% of Employee Election for a flat $10k

Guarantee Issue Employee

$100k

Dependent Child(ren)

$30k $10k

10 THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Disability Coverage

The goal of Thrush Aircraft’s Disability Insurance Plan is to provide you with income replacement should you be unable to work due to a non-work-related illness or injury. The company provides employees with the option to purchase voluntary “Short and Long Term Disability” income benefits.

Both Short-Term and Long-Term Disability Coverage is offered

through Sun Life.

Insurance Carrier:

Sun Life Short-Term Disability Insurance

Plan Type:

Voluntary

Eligibility Requirement Benefit Percentage Waiting Period - Accident Waiting Period - Sickness Maximum Weekly Benefit

All Full Time Employees

60%

0 Days 7 Days $1,000

Benefit Duration

26 Weeks

Pre-Existing Condition

3 / 12

Insurance Carrier:

Sun Life Long-Term Disability Insurance

Plan Type:

Voluntary

Eligibility Requirement

All Full Time Employees

Waiting Period

180 Days

Benefit Percentage

60%

Maximum Monthly Benefit

$5,000 SSNRA 2 Years

Benefit Duration

Own Occupation Definition

THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Presentation Date: 11/16/2022

Expires on 01/01/2023

Accident Insurance (Aflac)

Group Accident Insurance

Plan Benefits (Benefit provisions may vary by situs state)

Initial Accident Treatment Category - Mid

Employee Spouse Child Continental American Insurance Company (CAIC) A proud member of the Aflac family of insurers. Policy Form Series C70000

Initial Treatment - once per accident, within 7 days of the accident ER/Urgent Care

$150 $200 $75 $100

ER/Urgent Care with X-Ray

Doctor's Office

GP-39730.PLAN-255321

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Doctor's Office with X-Ray

Ambulance - once per day, within 90 days of the accident Maximum number of payments per covered accident: No Maximum Ground Major Diagnostic Testing - within six months of the accident Maximum number of diagnostic tests per covered accident: 1 Emergency Room Observation - within 7 days of the accident Maximum number of 24-hour periods of observation per covered accident: No Maximum Short Observation Period (4-24 Hours) Air Prescriptions - within six months of the accident Maximum number of filled prescriptions per covered accident: 2 Pain Management - within six months of the accident Maximum number of payments per covered accident: 1 Blood/Plasma/Platelets - within six months of the accident Maximum number of days per covered accident: 3 Concussion - once per accident, within six months of the accident Long Observation Period (24+ Hours) Traumatic Brain Injury - once per accident, within six months of the accident Coma - once per accident We will pay the amount shown if the insured is in a coma lasting 30 days or more as a result of a covered accident

$300 $900 $150

$35 $70

$75

$200 $350

$3,500

$7,500

Burns - once per accident, within six months of the accident Second Degree Burns Less than 10%

$75 $150 $375 $750

At least 10%, but less than 25% At least 25%, but less than 35%

35% or more

Third Degree Burns Less than 10%

$750 $3,750 $7,500 $15,000

At least 10%, but less than 25% At least 25%, but less than 35%

35% or more

Emergency Dental Work - once per accident, within six months of the accident Repair with Crown

$120 $30 $175

Extraction

Eye Injury - removal of a foreign body

Dislocations - once per accident, within 90 days of the accident Dislocation

Open Reduction

Closed Reduction

Employee Spouse

Child Employee Spouse Child

Schedule

Hip

$4,500 $2,925 $2,250 $1,800 $1,575 $1,350 $1,125 $900 $360

$4,500

$2,250

Knee

$2,925 $1,462.50 $1,462.50 $1,462.50

Shoulder Foot/Ankle

$2,250 $1,800 $1,575 $1,350 $1,125 $900 $360

$1,125 $900

Hand

$787.50 $787.50 $787.50

Lower Jaw

$675

Wrist Elbow

$562.50 $562.50 $562.50

$450 $180

Finger/Toe

Lacerations - once per accident, within 7 days of the accident Lacerations requiring stitches Under 5 centimeters

$75 $300 $600

5 to 15 centimeters Over 15 centimeters

Lacerations not requiring stitches

$37.50

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Accident Insurance (Aflac)

Group Accident Insurance Fracture - once per covered accident, within 90 days of the accident Fracture

Open Reduction

Closed Reduction

Schedule

Employee Spouse Child Employee Spouse Child

Hip/Thigh

$6,000 $5,400 $4,800 $4,500 $3,600 $3,000 $3,000 $2,400 $2,400 $2,100 $2,100 $1,800 $1,200 $480

$3,000 $2,700 $2,400 $2,250 $1,800 $1,500 $1,500 $1,200 $1,200 $1,050 $1,050 $900

Vertebrae/Sternum

Pelvis

Skull (Depressed)

Leg

Forearm/Hand/Wrist Foot/Ankle/Kneecap

Shoulder Blade/Collar Bone

Lower Jaw Skull (Simple)

Upper Arm/Upper Jaw Facial Bones (except teeth) Vertebral Processes/Sacrum Coccyx/Rib/Finger/Toe

$600 $240

$300

$35

$75

$750

Transportation - within six months of the accident Maximum number of payments per covered accident: 3 Minimum Required Distance (miles): 100 Plane

$350 $150

$350

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GP-39730.PLAN-255321

Accident Insurance (Aflac)

Group Accident Insurance Fracture - once per covered accident, within 90 days of the accident Fracture Appliances - within six months of the accident Cane Maximum number of appliances per covered accident: No Maximum Schedule Hip/Thigh Ankle Brace Maximum number of appliances per covered accident: No Maximum Pelvis Walking Boot Maximum number of appliances per covered accident: No Maximum Vertebrae/Sternum Leg Walker Maximum number of appliances per covered accident: No Maximum Forearm/Hand/Wrist Foot/Ankle/Kneecap Crutches Maximum number of appliances per covered accident: No Maximum Shoulder Blade/Collar Bone Leg Brace Maximum number of appliances per covered accident: No Maximum Skull (Depressed) Upper Arm/Upper Jaw Facial Bones (except teeth) Vertebral Processes/Sacrum Coccyx/Rib/Finger/Toe $1,200 $480 Knee Scooter Maximum number of appliances per covered accident: No Maximum Cervical Collar Maximum number of appliances per covered accident: No Maximum Wheelchair Maximum number of appliances per covered accident: No Maximum $6,000 $5,400 $4,800 $4,500 $3,600 $3,000 $3,000 $2,400 $2,400 $2,100 $2,100 $1,800 $6,000 $5,400 $4,800 $4,500 $3,600 $3,000 $3,000 $2,400 $2,400 $2,100 $2,100 $1,800 $1,200 $480 Lower Jaw Skull (Simple) Group Accident Insurance After Care Category - Mid Body Jacket Maximum number of appliances per covered accident: No Maximum Back Brace Maximum number of appliances per covered accident: No Maximum Accident Follow-Up Treatment - within 6 months of the accident Initial treatment is received within 7 days of the accident

Employee Spouse Child

Open Reduction

Closed Reduction

$30

Employee Spouse Child Employee Spouse Child

$6,000 $5,400 $4,800 $4,500 $3,600 $3,000 $3,000 $2,400 $2,400 $2,100 $2,100 $1,800 $1,200 $480

$3,000 $2,700 $2,400 $2,250 $1,800 $1,500 $1,500 $1,200 $1,200 $1,050 $1,050 $75 $75 $30 $75 $75 $75

$3,000 $2,700 $2,400 $2,250 $1,800 $1,500 $1,500 $1,200 $1,200 $1,050 $1,050 $75 $75 $300 $900 $600 $240 $300 $30 $75 $75 $75

$300

$900 $600 $240

$300

Outpatient Surgery and Anesthesia (per day) - within one year of the accident Performed in a Hospital or Ambulatory Surgical Center Maximum number of payments per covered accident: No Maximum Performed in a Doctor's Office, Urgent Care Facility or Emergency Room Maximum number of payments per covered accident: 2 Facilities Fee for Outpatient Surgery - within one year of the accident Payable once per each Outpatient Surgery and Anesthesia Benefit (in a hospital or ambulatory surgical center). Maximum number of visits per covered accident: 6 Post Traumatic Stress Disorder (PTSD) - once per accident, within 6 months of the accident Inpatient Surgery and Anesthesia (per day) - within one year of the accident Maximum number of payments per covered accident: No Maximum Rehabilitation Unit (per day) Maximum number of days per confinement: 31 Transportation - within six months of the accident Maximum number of payments per covered accident: 3 Minimum Required Distance (miles): 100 Plane No more than 62 days total per calendar year for each insured Therapy - beginning within 90 days of the accident Initial treatment is received within 7 days of the accident Maximum number of visits per covered accident: 10 Chiropractic or Alternative Therapy - beginning within 90 days of the accident Initial treatment is received within 7 days of the accident

$300

$35

$75 $150

$75

$150

$750 $75

$750

$75

$350 $150 $35

$35

$350

Any ground transportation $150 (Surgical procedures may include, but are not limited to, surgical repair of: ruptured disc, tendons/ligaments, hernia, rotator cuff, torn knee cartilage, skin grafts, joint replacement, internal injuries requiring open abdominal or thoracic surgery, exploratory surgery (with or without repair), etc., unless otherwise noted due to an accidental injury.) Hospitalization Category - Mid Employee Spouse Child Hospital Admission (per confinement) - once per accident, within six months of the accident Maximum number of admissions per covered accident: 1 $900 $900 $900 Hospital Confinement (per day) - within 6 months of the accident Maximum days of confinement per covered accident: 365 $225 $225 $225 Hospital Intensive Care (per day) - within 6 months of the accident Maximum days of confinement per covered accident: 30 $300 $300 $300 Intermediate Intensive Care Step-Down Unit (per day) - within six months of the accident Maximum days of confinement per covered accident: 30 $150 $150 $150 Family Member Lodging (per day) - within six months of the accident Maximum days of lodging per covered accident: 30 $150 $150 $150 Minimum Required Distance (miles): 100 $25 $25 $25 Maximum number of visits per covered accident: 6 Life Changing Events Category - Mid Employee Spouse Child Dismemberment - once per accident, within six months of the accident Single Loss $8,750 $17,500 $3,750 $7,500 $375 $87.50 $1,750 $3,500 $175 $87.50 Double Loss Loss of one or more fingers or toes $875 $87.50 Partial Dismemberment (includes at least one joint of a finger or toe) Paralysis - once per accident, diagnosed by a doctor within six months of the accident Paraplegia $3,500 $7,500 $2,000 $3,500 $7,500 $2,000 $3,500 $7,500 $2,000 Quadriplegia Prosthesis - once per accident Maximum number of prosthetic devices per covered accident: 2 Prosthesis Repair/Replacement - once per prosthetic device, within three years of initial Prosthesis payment Residence/Vehicle Modification - once per accident, within one year of the accident $2,000 $1,500 $2,000 $1,500 $2,000 $1,500

Wellness Rider - Mid

Employee Spouse Child

Amount paid will be based on the certificate year in which the wellness test was performed: Maximum number of payments per calendar year, per insured: 1 Year 1 - Once per calendar year Year 2 - Once per calendar year Year 3 - Once per calendar year Year 4 - Once per calendar year Year 5 - Once per calendar year Group Accident Insurance

$25 $50 $50 $50 $75 $75

Year 6+ - Once per calendar year

Accidental Death Rider

Employee Spouse Child

14 THRUSH AIRCRAFT 2023 BENEFITS GUIDE GP-39730.PLAN-255321 Accidental Common-Carrier Death GP-39730.PLAN-255321 Accidental Death - within 90 days of the accident Accidental Death

Page 4 of 14 $20,000 Page 5 of 14 $10,000

$50,000 $100,000

$25,000 $50,000

Please request a sample policy for full benefit provisions and descriptions.

Critical Illness & Hospital IndemnityInsurance (Aflac)

Group Critical Illness Insurance

Plan Benefits (Benefit provisions may vary by situs state)

Base Benefits

Heart Attack (Myocardial Infarction) Sudden Cardiac Arrest Coronary Artery Bypass Surgery Major Organ Transplant*

100% 100% 100% 100% 100% 100% 100% 100%

Bone Marrow Transplant (Stem Cell Transplant) Kidney Failure (End-Stage Renal Failure) Stroke (Ischemic or Hemorrhagic)

Type I Diabetes

*25% of this benefit is payable for Insureds placed on a transplant list for a major organ transplant

Cancer Benefits

Cancer (Internal or Invasive) Non-Invasive Cancer

100% 25%

Skin Cancer Metastatic Cancer

$1000 per calendar year

25%

Health Screening Benefit

Health Screening (payable for employee and spouse only) Health Screening (payable for dependent children)

$50

100% of the Health Screening Amount

Payable per calendar year

Additional Benefits

Benign Brain Tumor

100%

Specified Diseases Rider Tier 1 – Adrenal Hypofunction (Addison’s Disease), Cerebrospinal Meningitis, Diphtheria, Encephalitis, Huntington’s Chorea, Legionnaire’s Disease, Lyme Disease, Malaria, Muscular Dystrophy, Myasthenia Gravis, Necrotizing Fasciitis, Osteomyelitis, Poliomyelitis (Polio), Rabies, Sickle Cell Anemia, Systemic Lupus, Systemic Sclerosis (Scleroderma), Tetanus, Tuberculosis

25%

Tier 2 - Human Coronavirus Only Hospitalization: 4+days Hospitalization: 10+days

10% 25% 40%

Hospitalization: Intensive Care Unit (ICU)

Please request a sample policy for full benefit provisions and descriptions.

Group Hospital Indemnity Insurance Plan Benefits (Benefit provisions may vary by situs state) Hospitalization Benefits - Mid Hospital Admission (per confinement) Once per covered sickness or accident per calendar year Hospital Confinement (per day) Maximum confinement period: 31 days per covered sickness or covered accident Hospital Intensive Care (per day) Maximum confinement period: 10 days per covered sickness or covered accident Intermediate Intensive Care Step-Down Unit (per day) Maximum confinement period: 10 days per covered sickness or covered accident

$1,000

$150

$75

Health Screening Benefit

Health Screening Benefit Payable once per calendar year per insured.

$50

Please request a sample policy for full benefit provisions and definitions.

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15 THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Employee Benefit Assistants You Can Count on M ember C laims A dvocate

Thrush Aircraft provides you and your family members a complimentary member claims service to help with claims, billing, missing ID cards and more. give member claims advocate a call if : • You received a provider bill or EOB and feel the claim was processed incorrectly • You are at the doctor or pharmacy and having trouble with your coverage • You need to confirm if a provider is In-Network • You are missing your ID card Y ou can reach the M ember C laims A dvocate team by phone or email

Monday through Friday, 8:30 AM EST - 5:00 PM EST

Seth Knight - sknight@knightrawls.com Resa Carter - rcarter@knightrawls.com Anna Meadows - ameadows@yatesins.com (706) 323-1600

16 THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Frequently Asked Questions

What is included in the Medical Out-of-Pocket maximum? What is included in the Pharmacy Out- of-Pocket maximum? The Medical Out-of-Pocket maximum is the maximum amount a member must pay during the policy year for covered essential health benefits. The OOP includes a member’s deductible and any coinsurance member responsibility. The Pharmacy OOP includes only pharmacy co-pays. The Medical OOP does NOT include monthly premiums, or billing from out-of-network providers. What is an in-network vs out-of-network provider? Anthem contracts with a wide range of doctors, as well as specialists, hospitals, labs, radiology facilities and pharmacies. These are the providers that are considered “in your network”. Specifically, each of these providers has agreed to accept Anthem’s contracted rate for your medical care and services rendered. The contracted rate includes both Anthem’s share of the cost, and the member’s. Your share may be in the form of a co-payment, deductible, or co-insurance. For example, Anthem’s contracted rate for a primary care visit might be $125. The Plan has a $25 co-payment for the visit; the member will pay $25 of the cost and your insurance plan will pay the remaining $100. An “out-of-network” provider is a medical doctor or facility that is not in contract with Anthem. This means that the provider may charge members higher rates for medical services and care, outside of the standard “in-network” rates. For example, a out-of- network provider may charge $200 for a primary care visit. Anthem may pay an adjustment of an out-of-network benefit of $80 dollars to the provider, so the member may be balance-billed for the remaining $120 cost of the visit.

When can I change my beneficiary information for my Basic Life Insurance? Any time! It is important that all beneficiary information be kept up-to-date. You may need to change it after a marriage, divorce, or birth of a child. You can go into Employee Navigator at anytime to update your beneficiary.

Term

Definition

Network Office Visit (PCP) The “per visit” co-pay cost for a primary care or standard network doctor.

The “per visit” co-pay cost for a specialized doctor (cardiologist, OB/GYN,

Specialist Office Visit

orthopedic, gastrointestinal, etc.)

The amount of money a member owes for any In-network health care services before co-insurance coverage begins. These are generally services that are NOT covered under a standard co-pay (inpatient surgery, outpatient surgery, MRI, etc.) Deductibles run on a calendar year basis. After any applicable deductible is met, the remaining cost of any in-network health care service is divided between the insurance carrier and the member. A 70% / 30% network co-insurance would divide the cost of a service with 70% paid by the insurance carrier and 30% paid by the member. These are generally services that are NOT covered under a standard co-pay (inpatient surgery, outpatient surgery, MRI, etc.) The maximum amount a member must pay during the policy year for covered essential health benefits. The OOP includes a member’s deductible, any co-insurance member responsibility, primary care and specialist office visit co-pays, ER or Urgent Care co-pays, and prescription co-pays / costs. The OOP does NOT include monthly premiums, billing from out-of-network providers, or spending for non-essential health benefits. The cost of a one month supply of a prescription drug. All covered drugs are designated into tiered levels based on drug usage, cost, and clinical effectiveness. Tier 1 usually includes generics, while Tier 2 generally includes preferred brand name medications. Tier 3 typically includes non-preferred brand name medications, Tier 4 usually includes higher cost drugs and Specialty Drugs are covered under a separate tier.

Network Deductible

Co-Insurance

Network Out-of-Pocket Maximum (OOP)

Prescription Drug Tiers and Monthly Co-Pays

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Legal Notices

Medicaid and the Children’s Health Insurance Program (CHIP) Offer Free or Low-Cost Health Coverage to Children and Families 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, 2021. Contact your State for more information on eligibility –

ALABAMA - Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447 ALASKA - Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: Customer Service@MyAKHIPP.com Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default. aspx ARKANSAS - Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447) COLORADO - Medicaid Website: http://www.colorado.gov/hcpf Customer Contact Center: 1-800-221-3943 KANSAS - Medicaid Website: http://www.kdheks.gov/hcf/ Phone: 1-785-296-3512 KENTUCKY - Medicaid Website: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570 LOUSIANA - Medicaid Website: http://dhh.louisiana.gov/index.cfm/ subhome/l/n/331 Phone: 1-888-695-2447

FLORIDA - Medicaid Website: http://flmedicaidtplrecovery.com/hipp/ Phone: 1-877-357-3268 GEORGIA - Medicaid Website: http://dch.georgia.gov/medicaid - click on Health Insurance Premium Payment (HIPP) Phone: 404-656-4507 INDIANA - Medicaid Healthy Indiana Plan for Low-Income Adults 19-64 Website: http://www.hip.in.gov Phone: 1-877-438-4479 All other Medicaid Website: http://www.indianamedicaid.com Phone: 1-800-403-0864 IOWA - Medicaid Website: http://www.dhs.state.ia.us/hipp/ Phone: 1-888-346-9562 MAINE - Medicaid Website: http://maine.gov/dhhs/ofi/public-assistance/ index.html Phone: 1-800-442-6003 TTY: Maine relay 711

MASSACHUSETTS - Medicaid and CHIP Website: http://www.mass.gov/MassHealth

Phone: 1-800-462-1120 MINNESOTA - Medicaid Website: http://mn.gov/dhs/ma/ Phone: 1-800-657-3739

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Legal Notices

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

RHODE ISLAND - Medicaid Website: http://www.eohhs.ri.gov/ Phone: 401-462-5300 SOUTH CAROLINA - Medicaid Website: http://www.scdhhs.gov Phone: 1-888-549-0820 SOUTH DAKOTA - Medicaid

Phone: 573-751-2005 MONTANA - Medicaid Website: http://dphhs.mt.gov/ MontanaHealthcarePrograms/HIPP

Phone: 1-800-694-3084 NEBRASKA - Medicaid

Website: http://www.dhhs.ne.gov/Children_Family_ Services/AccessNebraska/Pages/accessnebraska_ index.aspx Phone: 1-855-632-7633 NEVADA - Medicaid Website: http://dwss.nv.gov/ Phone: 1-800-992-0900 NEW HAMPSHIRE - Medicaid Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf Phone: 603-271-5218 NEW JERSEY - Medicaid and CHIP Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/ medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 NEW YORK - Medicaid Website: http://www.nyhealth.gov/health_care/medicaid/ Phone: 1-800-541-2831 NORTH CAROLINA - Medicaid Website: http://www.ncdhhs.gov/dma Phone: 919-855-4100 NORTH DAKOTA - Medicaid Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825 OKLAHOMA - Medicaid and CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742 OREGON - Medicaid Website: http://healthcare.oregon.gov/Pages/index.aspx http://oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075 PENNSYLVANIA - Medicaid Website: http://www.dhs.pa.gov/hipp Phone: 1-800-692-7462

Website: http://dss.sd.gov Phone: 1-888-828-0059 TEXAS - Medicaid Website: http://www.dhs.state.ia.us/hipp/ Phone: 1-888-346-9562 UTAH - Medicaid and CHIP Medicaid Website: http://health.utah.gov/medicaid CHIP Website: http://health.utah.gov/chip

Phone: 1-877-543-7669 VERMONT - Medicaid Website: http://www.greenmountaincare.org Phone: 1-800-250-8427 VIRGINIA - Medicaid and CHIP Medicaid & CHIP Website: http://www.coverva.org/programs_premi- um_assistance.cfm Medicaid Phone: 1-800-432-5924 CHIP Phone: 1-855-242-8282 WASHINGTON - Medicaid Website: http://www.hca.wa.gov/free-or-low-costhealth-care/pro- gram-administration/premiumpayment- program Phone: 1-800-562-3022 ext. 15473 WEST VIRGINIA - Medicaid Website: http://www.dhhr.wv.gov/bms/Medicaid%20Expansion/Pages/ default.aspx Phone: 1-877-598-5820, HMS Third Party Liability WISCONSIN - Medicaid and CHIP Website: http://www.dhs.wisconsin.gov/publications/p1/p10095.pdf

Phone: 1-800-362-3002 WYOMING - Medicaid Website: http://wyequalitycare.acs-inc.com/ Phone: 307-777-7531

To see if any more States have added a premium assistance program since January 31, 2021, or for more information on special enrollment rights, you can contact either:

U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

19 THRUSH AIRCRAFT 2023 BENEFITS GUIDE

Legal Notices

Important Notices about Medical Coverage

HIPAA Special Enrollment Rights

These benefits will be provided subject to the same deductibles and co-insurance applicable to other medical and surgical benefits provided under this plan. Our plan complies with these requirements. Benefits for these items generally are compatible to those provided under our plan for similar types of medical services and supplies. Of course, the extent to which any of these items is appropriate following mastectomy is a matter to be determined by consultation between the attending physician and the patient. Our plan neither imposes penalties (for example, reducing or limiting reimbursements) nor provides incentives to induce attending providers to provide care inconsistent with these requirements. If you would like more information on WHCRA benefits, call Yates LLC at (706) 323-1600.

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 or your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards 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 result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 30 days after the marriage, birth, adoption, or placement for adoption. Effective April 1, 2009 special enrollment rights also exist in the following circumstances: • If you or your dependents experience a loss of eligibility for Medicaid or your State Children’s Health Insurance Program (SCHIP) coverage; or • If you or your dependents become eligible for premium assistance under an optional state of Medicaid or SCHIP program that would pay the employee’s portion of the health insurance premium. NOTE: In the two above listed circumstances only, you or your dependents will have sixty (60) days to request special enrollment in the group health plan coverage. An individual must request this special enrollment within sixty (60) days of the loss of coverage described at bullet one, and within sixty (60) days of when eligibility is determined as described in bullet two. Women’s Health and Cancer Rights Act of 1998 Annual Notice 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.

Paperwork Reduction Act Statement

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, not withstanding 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.

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