MAA 2025 Benefits Guide

Table of Contents

4 Glossary of Terms 6 Welcome Message 7 Benefits Eligibility

9 Qualifying Life Events 10 When + How to Enroll 12 Medical Plan Options 13 How the Medical Plans Differ

14 What is a Health Reimbursement Account? 15 How Does My HRA Work with My Health Plan? 16 What is a Health Savings Account? 17 How is My HSA Funded and How Much Can I Contribute? 18 How Does My HSA Work with My Health Plan? 19 Wellness Incentive Program 20 Cigna Health Programs & Resources 22 Medical + Prescription Drug Benefits At-a-Glance 23 2025 Medical Bi-Weekly Payroll Contributions 25 Which Medical Plan is Right for You? 27 Dental Plan Options

28 Vision Plan 29 Flexible Spending Accounts (FSAs) 30 HRA, HSA, FSA: What's the Difference? 31 Life + Accidental Death & Dismemberment 34 Disability Benefits 35 401(k) Plan 36 Employee Assistance Program 37 Voluntary Benefits Through Cigna to Support Your Medical Insurance 38 Additional Voluntary Benefits 39 MAA Associate Perks 40 MAA Associate Disaster Relief Fund 41 Open Arms 42 Get Connected 43 Benefit Vendor Contacts + Websites 44 Affordable Care Act / Important Health Plan Notices

Glossary of Terms

Accidental Death and Dismemberment (AD&D) AD&D covers the unintentional death or dismemberment of the insured. Dismemberment includes the loss, or the loss of use, of body parts or functions (i.e., limbs, speech, eyesight, or hearing). Coinsurance Refers to the percentage of charges you and your plan will pay for covered services. For example, if your plan has a coinsurance split of 80/20, this means your plan will pay 80 percent of charges and you will pay 20 percent of charges. Copay Is a fixed dollar amount you pay for covered services in addition to what the plan pays. The copay is normally paid at the point of service. Deductible The amount you must pay for covered services before your plan coinsurance is applied. The deductible starts over every January 1. Embedded Deductible In a health plan with an embedded deductible, no single individual on a family plan will have to pay a deductible higher than the individual deductible amount. Once you meet the individual deductible, your plan coinsurance is applied. Embedded Out-of-Pocket Maximum In a health plan with an embedded out-of-pocket maximum, no single individual on a family plan will have to pay more than the individual out-of-pocket maximum amount. Once you meet the individual out-of-pocket maximum amount, your plan begins to pay 100% for the individual’s expenses for the remainder of the year. Flexible Spending Accounts (FSAs) FSAs allow you to set aside pre-tax funds from your paychecks to accounts that can be used to pay you for qualified medical or child care expenses. Formulary A formulary is a list of generic and brand name drugs covered by an insurance plan offering prescription drug benefits. Generic Drugs Medications created to be the same as an existing brand name medications in dosage, safety, effectiveness, strength and quality, but cost less. Health Reimbursement Account (HRA) An HRA is an employer-funded account offered in combination with a health plan. The money in your HRA is used to pay expenses applied to your health plan copays, deductible and coinsurance.

Health Savings Account (HSA) An HSA is a tax-advantaged savings account offered in combination with a high deductible health plan. The account can be funded by your employer and you with pre-tax dollars from your paychecks. It comes with a debit card that can be used to pay qualified out-of-pocket medical expenses, such as those applied to your health plan deductible and coinsurance, as well as dental and vision expenses. High-Deductible Health Plan (HDHP) A health insurance plan with lower premiums and a higher deductible than a traditional health plan. You pay 100% of the cost of your non-preventive health care and prescription drugs until you meet your deductible. Once you meet your deductible, the plan coinsurance is applied. Preferred Brand Drugs Medications for which generic alternatives are not available and cost less than non-preferred brand drugs. Preventive Care Routine health care services to prevent illnesses, disease, or other health problems. It includes most vaccines, screenings and annual check-ups and is typically covered at 100% under health plans. Non-Preferred Brand Drugs Medications which cost more because there are alternative, lower cost generic or brand name drugs available. Out-of-Pocket Maximum A specific limit for the total amount you will pay for covered health costs during the plan year. This includes amounts applied as copays, deductible and coinsurance. If you meet the out-of- pocket maximum, your health plan will pay 100% of your covered health care costs for the rest of the year. Specialty Drugs High-cost medications used to treat complex, chronic conditions such as cancer, rheumatoid arthritis and multiple sclerosis.

Throughout the Benefits Guide, the orange hyperlinks will take you back to the glossary for definitions. The blue hyperlinks will take you to documents and external websites outside of this guide.

Welcome to Your Benefits Enrollment Guide

MAA Associates,

MAA is committed to providing you and your family with access to a competitive, affordable and comprehensive package of benefits. We are excited to share our benefits program – Your Life. Your Choice. Your Benefits. – which offers many quality choices and rewards you for taking an active role in your health. Whether you are reading this as a new associate making benefit elections for the first time or as an existing associate in preparation for our annual open enrollment period, we recognize the importance of MAA’s benefits in meeting your needs and encourage you to take advantage of the resources made available to maximize their value. I encourage you to review the information on our various benefits options available and to take full advantage of the opportunities to “take care of you.” Keeping you and your family healthy and making sure you have affordable access to quality medical care when you need it is our goal and an important part of our effort to create value for you and in your relationship with MAA. To help you navigate your benefit options and answer any questions you may have, we have invested in multiple resources, as well as this guide, including: • ALEX® is a virtual benefits counselor that can help you understand your options and decide which benefits are best for you by guiding you through an informal, interactive process, explaining how the plans work and providing information regarding cost and coverage. • Our wellness incentive program through Cigna rewards associates and spouses covered under our medical plan in the form of contributions from MAA to their health fund account (HRA or HSA) upon completion of various wellness-related activities throughout the year.

• Your connection to all things Benefits—including plan summaries, links to supplemental information, and vendor websites and contact information—can be found on AccessMAA. We hope you find that the package of benefits for the 2025 plan year effectively meets the need for better health, wellness and protection for you and your family.

Melanie Carpenter EVP, Chief Human Resources Officer

Benefits Eligibility

The table on page 8 highlights eligibility for benefits and who pays for the coverage. If you are paying for all or part of the cost, the table also indicates whether your contributions are deducted from your paychecks before or after taxes are withheld. Most calendar years have 26 bi-weekly pay periods. Your cost will be deducted from each bi-weekly paycheck. Eligible Dependents you can cover include: • Legal spouse (same or opposite sex) • Child(ren) up to age 26, regardless of marital or student status. Eligible children include your biological children, stepchildren, adopted children or children placed in your home for adoption, foster children and children for whom you are the court-appointed legal guardian if that child is financially dependent on you. • A child of any age who is medically certified as disabled (prior to the child’s 26th birthday), resides with you and is primarily dependent upon your support. Please Note: When electing to cover a dependent spouse and/or child(ren) under MAAs medical, dental and/or vision plans, you have 30 days from your coverage effective date to submit documentation to verify the dependent(s) for which you elect to cover. Click here to review acceptable supporting documentation and eligibility requirements.

Regular Associate

Temporary Associate

Part Time 20-29 HRS/WK

Part Time <20 HRS/WK

Part Time < 20 HRS/WK

Pre/ Post Tax

Full Time

Who Contributes

Benefit

Vendor

Eligible to enroll the 1st day of the month on/after 30 calendar days of employment based on the eligibility chart below

Medical

Cigna

Pre-Tax You & MAA

Dental

Cigna

Pre-Tax You & MAA

You at Group Rates

Vision

Cigna

Pre-Tax

Flexible Spending Accounts (FSA)

WEX Benefits

Pre-Tax

You

Automatically enrolled the 1st day of the month on/after 90 calendar days of employment based on the eligibility chart below

Basic Life Insurance

Unum X

n/a

MAA

Basic Accidental Death & Dismemberment (AD&D)

Unum X

n/a

MAA

Short-Term Disability Long-Term Disability

Unum X

n/a

MAA

Unum X

n/a

MAA

Eligible to enroll the 1st day of the month on/after 90 calendar days of employment based on the eligibility chart below

Optional Employee, Spouse & Child Life Insurance Optional Employee, Spouse & Child AD&D Accident, Hospital Indemnity & Critical Illness Insurance

You at Group Rates You at Group Rates

Unum X

Post-Tax

Unum X

Post-Tax

You at Group Rates

Cigna

Post-Tax

You at Group Rates You at Group Rates

Pet Insurance

Pets Best

Post-Tax

Legal Insurance

ARAG

Post-Tax

Identity Theft Insurance You at Group Rates Automatically enrolled the 1st day of the month on/after 6 months of employment based on the eligibility chart below Norton LifeLock X X Post-Tax

401(k) Plan

Empower

Pre-Tax You & MAA

Eligible on date of hire

Employee Assistance Program (EAP)

Cigna

n/a

MAA

MAA Associate Perks Auto & Home Insurance

Abenity

n/a

MAA

Farmers GroupSelect

You at Group Rates

Post-Tax

Qualifying Life Events After your initial enrollment period or a subsequent annual open enrollment period has expired, you cannot enroll in or make changes to your benefit elections until the next annual open enrollment period unless you experience a Qualifying Life Event, as defined by the IRS, such as: • Marriage, divorce or legal separation • Birth, adoption or placement of adoption or becoming the court-appointed legal guardian of a child(ren) • Death of your spouse or child • Gain or loss of coverage for you or your dependents with your spouse’s employer as a result of an employment event • Change in your child’s eligibility • Becoming eligible for Medicare or Medicaid • Receipt of a Qualified Medical Child Support Order (QMCSO) • Significant change in cost or coverage in your spouse’s or child’s health insurance plan • Gain or loss of benefits eligibility, such as a transition from full time to part time or part time to full time Changes made on account of a qualifying life event must be consistent with the event. You have 30 days from the date of a qualifying life event to notify the Benefits department and make changes to your benefit elections in Workday. Benefit elections made following a qualifying life event will become effective on the date of the event (such as the date of marriage or birth), in most situations. For questions or additional information, contact the Benefits department at (877) 277-2327 or send an email to Benefits@maac.com. Notice of Special Enrollment Rights If you are declining coverage for yourself and/or your eligible dependent(s) during your initial enrollment period or a subsequent annual open enrollment period because of other health coverage (such as COBRA coverage or coverage under another health plan), you may be able to enroll yourself and your eligible dependent(s) in MAA’s medical coverage if you or your dependents lose eligibility for such other coverage (such as due to the end of the maximum COBRA period, ceasing to meet the eligibility requirements or as otherwise required by law) or if employer contributions toward that other coverage cease. However, you must request enrollment within 30 days after loss of other coverage. If the other coverage ends voluntarily, such as due to failure to pay the required premiums, there is no right to special enrollment. If you or your dependent (1) becomes eligible for state-granted premium assistance or (2) lose health coverage under Medicaid or State Children’s Health Insurance Plan (CHIP), you will have a special enrollment right under MAA’s group medical plan. To enroll, you must request coverage within 60 days of either of these two events.

When + How to Enroll

Determine if you are eligible and who you can cover. The table on page 8 highlights eligibility for benefits and who pays for the coverage. In addition, page 7 describes which of your dependents are eligible to be covered under most benefit plans.

Need help choosing your plans? We have the tool for you! ALEX ® is a virtual benefits counselor who can help you decide which benefit plans will best serve your needs. The experience is designed to be light, jargon-free and helpful. ALEX is completely confidential and does not create, receive, maintain, transmit, collect or store any identifiable end-user information. ALEX is not an enrollment platform for benefits. Click here to talk to ALEX.

3. Make your benefit elections in Workday. New Hire Enrollment:

If you are a new associate, you have 30 days from your date of hire to complete the New Hire Enrollment event that will be delivered to your inbox in Workday after one week of employment.

Review the benefit plans for which you are eligible and “Waive” or “Select" coverage under each plan for the 2025 plan year. If you do nothing, your elections will default to “Waive” for all benefit plans, with the exception of the plans for which you will be automatically enrolled, as indicated in the table on page 8. Open Enrollment : If you are an existing associate, you have from November 1 through November 15, 2024 to complete the Open Enrollment event in your inbox in Workday and submit your benefit elections for the 2025 plan year. Elections for all FSA plans will default to “Waive” for the 2025 plan year. Read more about the FSAs on page 29. If you do nothing during Open Enrollment, your current benefit elections, with the exception of Flexible Spending Accounts (FSAs), will carryover for the 2025 plan year.

Medical Plan Options

Cigna Choice Fund HRA + Cigna Choice Fund HSA MAA offers two medical plan options through Cigna - the Choice Fund HRA Plan and the Choice Fund HSA Plan. These plans share common features but differ in what you pay when you use the plan and the amount you pay through your paychecks. Each plan comes with an account that can be used to pay for certain health care expenses. It is important to take the time to understand how each plan works and what you can expect to pay so you can choose the plan that best meets your needs. Plan Links Click here for the Summary of Benefits and Coverage (SBC) for the Cigna Choice Fund HRA Plan. Click here for the Summary of Benefits and Coverage (SBC) for the Cigna Choice Fund HSA Plan. Both Plans Share Common Features: • Access to participating providers and hospitals in Cigna’s Open Access Plus (OAP) Network. • Flexibility to receive care in- or out-of-network. However, when you receive in-network care, your costs are lower. • Routine Preventive Care covered at 100%. • Coverage for the same types of services. • Once you meet the Deductible, coverage is shared with the plan in a Coinsurance arrangement until an Out-of-Pocket Maximum is met. • When you meet the Out-of-Pocket Maximum, the plan pays 100% for covered medical and prescription drug expenses for the remainder of the calendar year. • Cigna’s Standard 4-Tier Prescription Drug Formulary. Click here to learn more. • Cigna’s Health Programs and Resources found on pages 20 and 21. Digital ID Cards Cigna transitioned from physical ID cards to digital ID cards in 2024. This means you will not receive physical ID cards in the mail from Cigna. You and your covered dependents, if applicable, can access your digital ID cards through myCigna.com and the myCigna mobile app. Both the website and mobile app offer convenient, timely access to ID cards, as well as many other features to help you manage your health and savings.

Click here for FAQs regarding the transition to digital ID cards. Click here to learn how to access your digital ID card.

If you would like to request physical ID cards for the 2025 plan year, you can do so any time on myCigna.com or by calling Cigna at (800) 244-6224.

How the Medical Plans Differ

Choice Fund HRA Plan

Choice Fund HSA Plan

Highest payroll contributions

Lowest payroll contributions

Lowest Deductible

Highest Deductible

You pay a Copay when you visit a doctor's office or an urgent care facility for covered services that are not considered Preventive Care. You pay Coinsurance for prescription drugs up to a certain amount. For all other covered services that are not considered Preventive Care, you pay 100% until you meet your Deductible. When one or more dependents are covered under this plan, the plan includes an Embedded Deductible. When expenses are applied toward an Embedded Deductible, they are also applied toward the shared family Deductible. After you meet your Deductible, you and the plan pay Coinsurance until you reach your Out- of-Pocket Maximum. When one or more dependents are covered under this plan, the plan includes an Embedded Out-of-Pocket Maximum. You will not pay more than this amount in a calendar year for any individual covered under the plan.

You pay 100% for most prescription drugs, doctor visits, and all covered services that are not considered Preventive Care until you meet your Deductible. Click here to see the prescription drugs that are covered under this plan at 100%.

When one or more dependents are covered under this plan, the family Deductible is shared. After you meet your Deductible, you and the plan pay Coinsurance until you reach your Out- of-Pocket Maximum. When one or more dependents are covered under this plan, the plan includes an Embedded Out-of-Pocket Maximum, which means you will not pay more than this amount in a calendar year for any individual covered under the plan.

The plan comes with a Health Reimbursement Account (refer to pages 14 and 15 for more information).

The plan comes with a Health Savings Account (refer to pages 16-18 for more information).

What is a Health Reimbursement Account?

A Health Reimbursement Account, or HRA, is an employer-funded account offered in combination with the Choice Fund HRA health plan that is used to pay covered expenses applied to your health plan Copays, Deductible and Coinsurance. The account is administered by Cigna and funded by MAA, as indicated below.

How is My HRA Funded?

Automatic HRA Contribution for Employee + Child(ren) Coverage Level

Automatic contribution upon enrollment and January 1 of each year thereafter

$250 per year

Earned HRA Contributions for Employee + Covered Spouse

Through the Cigna Healthcare Wellness Experience, you and your covered spouse (if applicable) can earn contributions from MAA by completing various wellness-related activities. Read more on page 19.

Up to $400 each per year

Unused funds in your HRA carryover at the end of each year with no limit, as long as you remain covered under the Choice Fund HRA Plan. If your coverage terminates under the Choice Fund HRA plan, you forfeit any unused funds in your HRA.

How Does My HRA Work with My Health Plan?

time of service. 1.

When you obtain medical care or fill a prescription, a claim is submitted to Cigna. With the exception of Preventive Care, below is what you can expect to pay at the

MDLive

$20 Copays $30 Copays $40 Copays $50 Copays

PCP Visit

Specialist Visit Urgent Care visit

Pharmacy

Coinsurance, up to a certain amount, as indicated on page 22

Coinsurance for which you are responsible. 2.

Cigna processes your claim based on the covered expenses and negotiated discounts from in-network providers (if applicable), and applies any Copays, Deductible or

If there are funds available in your HRA, Cigna will use the funds to:

• Pay the provider or pharmacy for expenses applied to your Deductible or Coinsurance. • Reimburse you by check for a Copays paid at the time of service. If there are no funds available in your HRA, you must pay the provider the amount for which you are responsible that was not paid at the time of service.

which you are responsible. 4.

Cigna provides an Explanation of Benefits (EOB) to you and the provider outlining the details of your claim including the amount paid to the provider by your plan and from your HRA, and any amounts applied to your Copays, Deductible or Coinsurance for

myCigna.com or by calling Cigna at (800) 244-6224. 5.

Information regarding your HRA, health care claims and benefits are available on

What is a Health Savings Account?

A Health Savings Account, or HSA, is a personal savings account that works in combination with a High-Deductible Health Plan (HDHP), like the Cigna Choice Fund HSA Plan, and can be used to pay for qualified medical, dental and vision expenses. You and MAA can contribute to your account, up to the federal limits. Your contributions to the account, the interest your account earns and withdrawals you make for qualified expenses are tax free, making it a triple tax- advantaged account. Additional advantages of an HSA include: • Annual Rollover: If you have money left in your HSA at the end of the year, it rolls over to the next year. • Portability: The money in your HSA remains available for future qualified expenses, even if you change health insurance plans, leave MAA to work for another employer or retire. • Convenience: A debit card will be issued so you can pay for prescriptions and other eligible expenses right away. If you wait for a bill to come in the mail, you can make a payment online, by mail or phone using your HSA debit card. Am I Eligible for an HSA? You must meet the following IRS requirements to be eligible for an HSA: • You must be enrolled in a HDHP, like the Cigna Choice Fund HSA health plan. • You must not be covered under another health plan, including Medicare Parts A and B and TRICARE. • You must not be participating in a Medical Flexible Spending Account (FSA) that reimburses for medical expenses unless it is limited to work with an HSA (for example, a Limited FSA for dental and vision expenses as described on page 29). • You must not be claimed as a dependent on another person’s tax return.

How is My HSA Funded & How Much Can I Contribute?

By You

By MAA

MAA will make a contribution to your HSA upon enrollment and every January 1 thereafter equal to $100 for single coverage (Employee Only) and $300 for family coverage (Employee + Spouse, Employee + Child(ren), Employee + Family). When you and your covered spouse (if applicable) complete various wellness-related activities through the Cigna Healthcare Wellness Experience, MAA will make contributions to your HSA as a reward for taking an active role in your health, up to $600 each per year. Read more on page 19.

You can fund your HSA every pay period with pre-tax payroll contributions. You may change your contribution any time during the year in Workday. You can fund your HSA at any time by making a deposit with after-tax dollars.

The sum of contributions made by you and MAA cannot exceed the federal limit, as indicated in the table below.

IRS Annual Contribution Limits for HSAs

2024

2025

Single Coverage (Employee Only)

$4,150

$4,300

Family Coverage (Employee + Spouse, Employee + Child(ren), Employee + Family)

$8,300

$8,550

Additional Catch-Up Contribution (Age 55-65)

$1,000

How Does My HSA Work with My Health Plan?

Cigna Choice Fund HSA Plan

Health Savings Account

Once enrolled, you will present your digital ID card through myCigna.com or the myCigna mobile app when you obtain medical care or fill a prescription for claim processing purposes.

Upon enrollment, an HSA will be opened with the initial contribution from MAA and maintained on your behalf through HSABank. You will receive a Cigna Choice Fund Health debit card and welcome kit from HSABank. You can use this card to pay for eligible out-of-pocket expenses at or after the time of service.

You decide how and when to use the money in your HSA, up to the amount available in your account. You can use your HSA debit card to pay for qualified medical, dental and vision expenses at the time of service or upon receipt of a bill from a provider. You can also save the money in your HSA to use for future qualified expenses, even during retirement. You won’t need to submit documentation to substantiate the charges made to your HSA debit card, but it’s important to keep your receipts for all expenses paid from your HSA for tax and record keeping purposes. When you obtain medical care or fill a prescription, a claim is submitted to Cigna. With the exception of Preventive Care, you will pay 100% of the cost of medical care and prescription drugs, at the time of service or your provider will bill you directly, until you meet your Deductible. Once you meet your Deductible, you will pay a portion of your covered expenses and the plan will pay the rest (Coinsurance) until you reach your Out-of- Pocket Maximum. 1. Cigna processes your claim based on the covered expenses and negotiated discounts from in-network providers (if applicable), and applies your Deductible or Coinsurance that you are responsible for. 2. If there are funds available in your HSA, you decide whether or not to use the funds to pay all or a portion of the qualified expenses that you are responsible for, including amounts applied to your Deductible and Coinsurance. If there are no funds available in your HSA, you must use another form of payment to pay the provider the amount that you are responsible for. 3. Cigna provides an explanation of Benefits (EOB) to you and the provider outlining the details of your claim, including the amount paid to the provider by your plan and any amounts applied to your Deductible and Coinsurance that you are responsible for. 4.

myCigna.com or by calling Cigna at (800) 244-6224. 5.

Information regarding your HSA, health care claims and benefits are available on

Through the Cigna Healthcare Wellness Experience, associates and spouses covered under our medical plans will have the opportunity to earn rewards from MAA in the form of contributions to their HRA or HSA* by completing various wellness-related activities throughout the year. • Associates and spouses covered under the Cigna Choice Fund HRA plan will be able to earn up to $400 each per year. • Associates and spouses covered under the Cigna Choice Fund HSA plan will be able to earn up to $600 each per year. Wellness Incentive Program

*A reward is typically deposited into your HRA or HSA within 4 weeks of the date you completed the activity.

Below is a list of some of the activities included under the program, broken down by category. Click here for a complete list of activities along with the dollars earned and earning frequency for each activity.

You can track your wellness activities when logged into myCigna.com. Click here to read the Notice for MAA-Sponsored Wellness Program.

Health Assessment & Biometric Screening

HRA

HSA

Action

Frequency

Dollars Earned

Complete the Health Assessment Complete a Biometric Screening

$50 $50

$50

Once per year

$100 $150

Maximum Category Total

$100

Biometric Outcome

HRA

HSA

Action

Frequency

Dollars Earned

Complete the Health Assessment

Once per year

$50 each

Maximum Category Total

$100

$150

Preventive Care

HRA

HSA

Action

Frequency

Dollars Earned

Annual Physical

$50 $50 $50 $50 $50 $50 $50 $50

$100 $100 $100 $100 $100

Pap Smear

Mammogram

Colon Screening/Stood Test

Once per year

Prostate Cancer (PSA)

Flu Shot

$50

Bone Density Test Cigna Dental Exam

$100 $100 $200

Maximum Category Total

$100

Wellness Activities

HRA

HSA

Action

Frequency

Dollars Earned

Refer to the complete list of activities Refer to the complete list of activities

$5-$25 each

Maximum Category Total

$200

Cigna Healthcare Activities

HRA

HSA

Action

Frequency

Dollars Earned

Refer to the complete list of activities Refer to the complete list of activities

$10-$200 each

Maximum Category Total

$200

$300

Cigna Health Programs & Resources myCigna Register on myCigna.com and download the myCigna mobile app to conveniently access your digital ID card and information regarding your health plan while on the go. Through the myCigna mobile app, you can: • View , share, print or save your digital ID card(s) in your Apple Wallet (if applicable) • Find in-network doctors and compare cost and quality ratings • Review your coverage • Manage and track claims • Track your account balances and deductibles • Order your Cigna Home Delivery prescriptions online and view order history

Cigna Virtual Care As part of your health plan, Cigna partners with MDLIVE to offer health care by phone, tablet or computer. MDLIVE’s national network of board-certified doctors, pediatricians, dermatologists, psychiatrists and therapists have an average of 10 years of experience and provide personalized care for hundreds of medical and behavioral health needs. Connect with an MDLIVE provider anytime, anywhere.

The most common reasons for virtual care services:

Primary Care Wellness Screenings, Routing Care & Specialist Referrals

Dermatology Customized Care for Skin, Hair & Nail Conditions

Urgent Care On-Demand Care for Illness & Injuries

Mental Health Talk Therapy & Psychiatry

Cold and Flu

Asthma

Addictions

Acne

Ear Pain

Cholesterol Issues

Anxiety

Dermatitis

Pink Eye

Diabetes

Depression

Eczema

Sinus Problems

High Blood Pressure

Grief & Loss

Folliculitis

UTI Infections (Female, 18+)

Thyroid Conditions

Stress Management

Rosacea

Connect with virtual care your way. • Contact your in-network provider or counselor • Talk to an MDLIVE medical provider on demand by logging on to myCigna.com and clicking on the "Talk to a Doctor" button. • Schedule an appointment with an MDLIVE provider or licensed therapist on myCigna.com • Call MDLIVE 24/7 at (888) 726-3171

Click here for more information on Cigna’s Virtual Care.

Cigna One Guide ® Cigna One Guide is a service that provides personalized one-on-one support via app, chat, online or phone during pre-enrollment and post-enrollment. Your personal guide will help you understand the basics of health coverage and get the most out of your plan. To speak with a Cigna One Guide representative, call (800) 806-5042, click the chat option on myCigna.com or use the myCigna app. Click here for more information. Cigna 90 Now Cigna 90 Now is a maintenance medication program that allows you to fill prescriptions in a 90-day supply at a 90-day retail pharmacy in your plan’s network or through Express Scripts Pharmacy. Filling your prescription in a 90-day supply means fewer visits to the pharmacy. To learn more, go to Cigna.com/homedelivery. Cigna Healthy Pregnancies, Healthy Babies ® The Cigna Healthy Pregnancies, Healthy Babies program is designed to help you and your baby stay healthy during your pregnancy and in the days and weeks following your baby's birth. Completion of this program qualifies for an incentive under the Cigna Healthcare Wellness Experience. Click here for more information and call 800-615-2906 to enroll. Cigna Healthy Rewards ® Discounts, rewards, and offers provided exclusively to you on your journey to total wellness. Click here or log into myCigna.com and select one of the categories under Wellness & Incentives for more information. Cigna Pathwell Bone & Joint The Cigna Pathwell Bone & Joint program can help guide you to the right care at the right time for your spine, knee, hip and shoulder pain. Under this program, you’ll have access to a Clinical Care Advocate who will help you with everything from finding the right treatment plan, understanding your benefits, access to in-network care, education, pre- and post-surgery support, and connection with other helpful resources. In addition, when surgery is right for you, you may qualify for a zero or low-cost surgery benefit. To learn more about this program, click here, visit CignaPathwellBoneandJoint.com or call 877-505-5875. Cigna 24/7 Nurse Hotline Talk to a nurse 24/7 for free by calling 855-673-3063. You’ll be asked a few questions about your symptoms before the nurse will help you decide whether to seek a higher level of care or care for yourself at home. Omada ® for Cigna Omada for Cigna is a digital lifestyle change program designed to help at-risk individuals combat obesity-related chronic diseases such as type 2 diabetes and heart disease. MAA is covering this program under the health plan at 100% for associates and their adult dependents who are at risk for diabetes or heart disease and are accepted into the program. To see if you’re eligible for the program visit omadahealth.com/maa. (Company identifier is maa).Click here for more information on the Omada for Cigna program.

Medical + Prescription Drug Benefits At-a-Glance

Choice Fund HRA Plan

Choice Fund HSA Plan

Benefit

In-Network

Out-of-Network

In-Network

Out-of-Network

Medical Benefits: Annual Deductible Individual Individual (Embedded)/Family Out-of-Pocket Maximum (copay, deductible & coinsurance) Individual Individual (Embedded)/Family

$1,750 $1,750/$3,500

$3,500 $3,500/$7,000

$2,250 $4,500

$4,500 $9,000

$4,250 $4,250/$8,500 Plan pays 80% You pay 20%

$8,500 $8,500/$17,000 Plan pays 50% You pay 50%

$5,250 $8,000/$10,500 Plan pays 80% You pay 20%

$10,500 $16,000/$21,000 Plan pays 50% You pay 50%

Coinsurance

Preventive Care

No charge

Not covered

No charge

No covered

Cigna Virtual Care (Telehealth) Services (MDLive) Primary Care Physician (PCP) Office Visit

After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20%

$20 Copay

Not covered

After Deductible you pay 50% After Deductible you pay 50%

After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 20% After Deductible, you pay 20% After Deductible you pay 20% After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 50%

$30 Copay

Specialist Office Visit

$40 Copay

Urgent Care

$50 Copay

After Deductible you pay 20%

Emergency Room

Emergency Medical Transportation

No charge

Inpatient Hospitalization & Professional Service

After Deductible you pay 20% After Deductible you pay 20% 20% ($15 min, $30 max) 30% ($30 min, $60 max) 40% ($60 min, $120 max)

After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 50% After Deductible you pay 50%

Outpatient Facility & Professional Services

Retail Pharmacy (30-Day Supply):

Generic Drugs

Preferred Brand Drugs

Non-Preferred Brand Drugs

Home Delivery Pharmacy (30-Day Supply):

50% ($80 min, $160 max)

After Deductible you pay 20%

Specialty Drugs

Not covered

Home Delivery Pharmacy (90-Day Supply):

20% ($30 min, $60 max) 30% ($60 min, $120 max) 40% ($120 min, $240 max)

After Deductible you pay 20% After Deductible you pay 20% After Deductible you pay 20%

Generic Drugs

Not covered

Preferred Brand Drugs

Not covered

Non-Preferred Brand Drugs

Not covered

2025 Medical Bi-Weekly Payroll Contributions We know that rising health care costs are of concern to our associates, and we want to do as much as we can to help you save money on your medical plan premiums. First, we pay a large portion of your total premium. Second, we reward you if you have not used tobacco in the last 12 months or more by providing a $25 per payroll discount. Third, we reward you for your continued service by providing the following per payroll discounts:

Years of Service

2-4

5-7

8-9

10-14

15-19

Medical Plan HRA HSA HRA HSA HRA HSA HRA HSA HRA HSA HRA HSA Bi-Weekly Discount $10 $15 $12.50 $17.50 $15 $20 $17.50 $22.50 $20 $25 $25 $30

Years of Service

20-24

25-29

30-34

35-39

40+

Medical Plan HRA HSA HRA HSA HRA HSA HRA HSA HRA HSA Bi-Weekly Discount $30 $35 $35 $40 $40 $45 $45 $50 $50 $55 Dependent on the medical plan and coverage level you choose and your years of service with MAA, you will see one of the above discounts applied to your medical insurance during the pay period that contains your anniversary date.

Choice Fund HRA Plan

Choice Fund HSA Plan

Don't Use Tobacco

Uses Tobacco

Don't Use Tobacco

Uses Tobacco

Years of Service & Coverage Level

Your Contribution

MAA Contribution

Your Contribution

MAA Contribution

Your Contribution

MAA Contribution

Your Contribution

MAA Contribution

Less than 1 Year of Service: Employee Only

$108.19 $290.62 $133.19 $265.62 $70.09 $297.71 $95.09 $272.71 Employee + Spouse $300.92 $496.70 $325.92 $471.70 $221.79 $513.82 $246.79 $488.82 Employee + Child(ren) $195.71 $522.15 $220.71 $497.15 $146.06 $515.98 $171.06 $490.98 Employee + Family $371.26 $825.17 $396.26 $800.17 $282.65 $820.77 $307.65 $795.77 1 Year of Service: Employee Only $98.19 $300.62 $123.19 $275.62 $55.09 $312.71 $80.09 $287.71 Employee + Spouse $290.92 $506.70 $315.92 $481.70 $206.79 $528.82 $231.79 $503.82 Employee + Child(ren) $185.71 $532.15 $210.71 $507.15 $131.06 $530.98 $156.06 $505.98 Employee + Family $361.26 $835.17 $386.26 $810.17 $267.65 $835.77 $292.65 $810.77 2-4 Years of Service: Employee Only $95.69 $303.12 $120.69 $278.12 $52.59 $315.21 $77.59 $290.21 Employee + Spouse $288.42 $509.20 $313.42 $484.20 $204.29 $531.32 $229.29 $506.32 Employee + Child(ren) $183.21 $534.65 $208.21 $509.65 $128.56 $533.48 $153.56 $508.48 Employee + Family $358.76 $837.67 $383.76 $812.67 $265.15 $838.27 $290.15 $813.27 5-7 Years of Service: Employee Only $93.19 $305.62 $118.19 $280.62 $50.09 $317.71 $75.09 $292.71 Employee + Spouse $285.92 $511.70 $310.92 $486.70 $201.79 $533.82 $226.79 $508.82 Employee + Child(ren) $180.71 $537.15 $205.71 $512.15 $126.06 $535.98 $151.06 $510.98 Employee + Family $356.26 $840.17 $381.26 $815.17 $262.65 $840.77 $287.65 $815.77

Choice Fund HRA Plan

Choice Fund HSA Plan

Don't Use Tobacco

Uses Tobacco

Don't Use Tobacco

Uses Tobacco

Years of Service & Coverage Level

Your Contribution

MAA Contribution

Your Contribution

MAA Contribution

Your Contribution

MAA Contribution

Your Contribution

MAA Contribution

8-9 Years of Service: Employee Only

$90.69 $308.12 $115.69 $283.12 $47.59 $320.21 $72.59 $295.21 Employee + Spouse $283.42 $514.20 $308.42 $489.20 $199.29 $536.32 $224.29 $511.32 Employee + Child(ren) $178.21 $539.65 $203.21 $514.65 $123.56 $538.48 $148.56 $513.48 Employee + Family $353.76 $842.67 $378.76 $817.67 $260.15 $843.27 $285.15 $818.27 10-14 Years of Service: Employee Only $88.19 $310.62 $113.19 $285.62 $45.09 $322.71 $70.09 $297.71 Employee + Spouse $280.92 $516.70 $305.92 $491.70 $196.79 $538.82 $221.79 $513.82 Employee + Child(ren) $175.71 $542.15 $200.71 $517.15 $121.06 $540.98 $146.06 $515.98 Employee + Family $351.26 $845.17 $376.26 $820.17 $257.65 $845.77 $282.65 $820.77 15-19 Years of Service: Employee Only $83.19 $315.62 $108.19 $290.62 $40.09 $327.71 $65.09 $302.71 Employee + Spouse $275.92 $521.70 $300.92 $496.70 $191.79 $543.82 $216.79 $518.82 Employee + Child(ren) $170.71 $547.15 $195.71 $522.15 $116.06 $545.98 $141.06 $520.98 Employee + Family $346.26 $850.17 $371.26 $825.17 $252.65 $850.77 $277.65 $825.77 20-24 Years of Service: Employee Only $78.19 $320.62 $103.19 $295.62 $35.09 $332.71 $60.09 $307.71 Employee + Spouse $270.92 $526.70 $295.92 $501.70 $186.79 $548.82 $211.79 $523.82 Employee + Child(ren) $165.71 $552.15 $190.71 $527.15 $111.06 $550.98 $136.06 $525.98 Employee + Family $341.26 $855.17 $366.26 $830.17 $247.65 $855.77 $272.65 $830.77 25-29 Years of Service: Employee Only $73.19 $325.62 $98.19 $300.62 $30.09 $337.71 $55.09 $312.71 Employee + Spouse $265.92 $531.70 $290.92 $506.70 $181.79 $553.82 $206.79 $528.82 Employee + Child(ren) $160.71 $557.15 $185.71 $532.15 $106.06 $555.98 $131.06 $530.98 Employee + Family $336.26 $860.17 $361.26 $835.17 $242.65 $860.77 $267.65 $835.77 30-34 Years of Service: Employee Only $68.19 $330.62 $93.19 $305.62 $25.09 $342.71 $50.09 $317.71 Employee + Spouse $260.92 $536.70 $285.92 $511.70 $176.79 $558.82 $201.79 $533.82 Employee + Child(ren) $155.71 $562.15 $180.71 $537.15 $101.06 $560.98 $126.06 $535.98 Employee + Family $331.26 $865.17 $356.26 $840.17 $237.65 $865.77 $262.65 $840.77 35-39 Years of Service: Employee Only $63.19 $335.62 $88.19 $310.62 $20.09 $347.71 $45.09 $322.71 Employee + Spouse $255.92 $541.70 $280.92 $516.70 $171.79 $563.82 $196.79 $538.82 Employee + Child(ren) $150.71 $567.15 $175.71 $542.15 $96.06 $565.98 $121.06 $540.98 Employee + Family $326.26 $870.17 $351.26 $845.17 $232.65 $870.77 $257.65 $845.77 40+ Years of Service: Employee Only $58.19 $340.62 $83.19 $315.62 $15.09 $352.71 $40.09 $327.71 Employee + Spouse $250.92 $546.70 $275.92 $521.70 $166.79 $568.82 $191.79 $543.82 Employee + Child(ren) $145.71 $572.15 $170.71 $547.15 $91.06 $570.98 $116.06 $545.98 Employee + Family $321.26 $875.17 $346.26 $850.17 $227.65 $875.77 $252.65 $850.77

Which Medical Plan is Right for You?

Jack is single and considers himself healthy. He doesn't have any health conditions or takes any prescription drugs on a regular basis. He gets a flu shot every year and sees his primary care physician for an annual preventive exam and health screening. He doesn't anticipate the need for any other medical care. Jack's interested in the Cigna Choice Fund HSA Plan because the bi-weekly payroll contributions are lower and MAA will make contributions to his HSA that he can use for unplanned medical expenses in the future.

Cigna Choice Fund HRA Plan Cigna Choice Fund HSA Plan

Bi-Weekly Medical Premium (Less than 1 year of service & doesn't use tobacco) Annual Medical Premiums (26 pay periods)

$108.19

$70.09

$2,812.94

$1,822.34

MAA Annual Contribution to HSA/HRA

None

$100

Wellness Incentives Earned (contributed to HSA/HRA)

$250 $400 Jack's Out-of-Pocket Expenses (assume Jack goes in-network for all medical care)

Deductible $1,750

Deductible $2,250

Coinsurance 20%

Jack's Medical Care & Prescriptions

Copay

Coinsurance Copay

1 preventative adult exam and health screening (assumes $347 in provider & lab changes) *Jack earns wellness incentives 1 sick visit with primary care physician (assumes $197 office visit charge) 1 retail generic prescription drug (assumes $75 for 30-day supply) 1 preventive flu shot at CVS Minute Clinic *Jack earns a wellness incentive Total Combined Out-of-Pocket Costs for Medical Care & Prescriptions (all can be paid with HSA/HRA funds) Total Annual Payroll Contribution Total Annual Payroll Contributions + Jack's Total Out-of-Pocket Expenses Total Costs Net of HSA/HRA Funds

n/a

$30

n/a

$197

$15 ($75 x 20%)

n/a

$75

n/a

$45

$272

$2,812.94

$1,822.34

$2,857.94

$2,094.34

$2,812.94

$1,822.34

Jack elected the Choice Fund HSA Plan . Under this plan, his payroll contributions and out-of- pocket expenses were the lowest of the two options by $990.60. Jack used $272 of the $500 that MAA contributed to his HSA to pay his out-of-pocket expenses and the remainder of the money will carry over to next year. Jack’s Choice

Jill needs to cover herself and two children. Although no one in Jill’s family has a medical condition, she anticipates her children will have illnesses, a visit to the emergency room, and everyone will obtain their preventive care exams, screenings and flu shots. Jill is interested in the Cigna Choice Fund HRA Plan because she wants to pay the least amount out of pocket when she uses the plan, even if that means she has to pay more in premiums every pay period.

Cigna Choice Fund HRA Plan

Cigna Choice Fund HSA Plan

Bi-Weekly Medical Premium (Less than 1 year of service & doesn't use tobacco) Annual Medical Premiums (26 pay periods)

$195.71

$146.06

$5,088.46

$3,797.56

MAA Annual Contribution to HSA/HRA

$250

$300

Wellness Incentives Earned (contributed to HSA/HRA)

$250

$400

Jill's Out-of-Pocket Expenses (assume Jill goes in-network for all medical care)

Deductible $1,750/$3,500

Deductible $4,500

Coinsurance 20%

Jill's Medical Care & Prescriptions

Copay

Coinsurance Copay

1 preventive adult exam and health screening (assumes $347 in provider & lab changes) *Jill earns wellness incentives 2 preventive well child exams (assumes $197 office visit charge per visit) 6 sick and follow up visits with primary care physician for Jill's children (assumes $247 office visit charge) 1 emergency room visit for Jill's child (assumes $1,000 in charges) 4 preferred brand medications (assumes $100 each for 30-day supply) 3 preventative flu shots at CVS Minute Clinic *Jill earns a wellness incentive 3 MDLive urgent care consultations (assumes $63 each) Total Combined Out-of-Pocket Costs for Medical Care & Prescriptions (all can be paid with HSA/HRA funds)

n/a

6 x $30 = $180

6 x $247 = $1,482

n/a

$1,000

n/a $1,000

30% of $100 = $30 $30 x 4 = $120

$400 ($100 x 4)

n/a

3 x $20 = $60

3 x $63 = $189

n/a

$1,360

$3,071

Total Annual Payroll Contribution

$5,088.46

$3,797.56

Total Annual Payroll Contributions + Jill's Total Out-of-Pocket Expenses

$6,448.46

$6,868.56

Total Costs Net of HSA/HRA Funds

$5,948.46

$6,168.56

Jill elected the Choice Fund HRA Plan . Under this plan, her payroll contributions and out-of-pocket expenses were the lowest of the two options by $220.10. All of the money that MAA contributed to her HRA ($500) was used toward her out-of-pocket medical expenses totaling $1,360. Jill’s Choice

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