Zoe Pediatrics 2025 Proposal

Presented by: Charlie McDaniel Yates, LLC

March 28, 2025

Dr. Stephanie Kong President and CEO ZÖe Center for Pediatric & Adolescent Health 959 17 th Street Columbus, GA 31901

In Re: 2025 Group Health Insurance – Preliminary Review

Dear Dr. Kong –

As you know, ZÖe Pediatrics group benefits package will renew August 1 st , 2025. We certainly appreciate the opportunity to work with you and look forward to a continued relationship.

Marketing Efforts

As requested, we have marketed your group health insurance plan in advance of the 2025 Imagine360 renewal. We have reached out to all available markets to include all funding arrangements – fully-insured, level-funded, self-funded, allowance arrangements, and ICHRA options for a preliminary date of 6/1. We have included a market analysis below for your review. Due to the nature of your current contract with varying claims costs, all proposed responses are based off your fully insured equivalent rates with Imagine360. Potential savings vs. current program could vary depending on actual incurred claims with Imagine360 for the plan year.

Carrier Angle Aetna

Contract Type Level Funded Level Funded Level Funded Balance Funded

Response

Declined to Quote

Not Competitive - +44% above current +8% above current – proposal included -2% below current – proposal included Pending – additional claims data requested

Cigna

Anthem

UnitedHealthcare

Level Funded

Sidecar Curative

Allowance Arrangement -10% below current – proposal included

Fully Insured

Declined to Quote – renewal data required Variable Cost Savings – proposal included

Zizzl

ICHRA

We have included the submitted proposals for your review.

Yates, LLC 6001 River Road • Suite 401 • Columbus, Georgia 31904 (706) 571-0093 • Fax (706) 571-2981

Dr. Stephanie Kong March 28, 2025 Page Two

Considerations and Discussions

• ACA Affordability requirements | HDHP options • Competitive carrier funding arrangements | administrative requirements • Employer Contribution Strategy • Potential carrier rating adjustments if current enrollment changes by +/- 10% • Run-out claims and administrative liability; approximately 20-25% of annual claim spend • Requested administrative credits from Anthem/Cigna • Carriers holding proposed rates for 8/1 renewal

Thank you again for the opportunity to be of service and please give us a call with any questions.

Best regards,

Charlie McDaniel

CEM/mtc

Anthem Proposal

Your Anthem Blue Cross and Blue Shield Proposal Packet

Connecting you to the coverage you need Anthem Balanced Funding (ABF) proposal for: Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

Anthem Sales Contact: Acorn Stephen M

Created on: March 26, 2025

Broker: SETH KNIGHT YATES LLC

(706) 323-1600 sknight@knightrawls.com

Thank you for considering Anthem

We are deeply committed to helping your employees feel covered and confident in their healthcare. We’re here to help you promote an effective healthcare strategy by working closely with you and your broker. Our associates live and work in the same places you do. We are both members of the communities we serve and partners in helping those communities thrive. In Georgia, Anthem is proud to have:¹

5,927 associates

4.1M members

86 years

in the local market

Georgia

We’re reimagining what’s possible for every moment of health. Your proposal includes the latest innovations from Anthem to deliver:

Your success is our success. We’re here to help build confidence in care and support you every step of the way.

1 Anthem internal data, Q4 2020. 2 Sydney Health is offered through an arrangement with CareMarket, Inc., a separate company offering mobile application services on behalf of Anthem Blue Cross and Blue Shield ©2021-2022. 3 Anthem internal data, 2020. 4 Anthem internal data, 2020, and Anthem Ebase, 2020.

Benefit Information (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

1500 Ded Plan Embedded Essential

3000 Ded Plan Embedded Essential

Blue Open Access POS

Custom

Deductible (individual/family) Coinsurance Out-of-pocket maximum (individual/family) Office visit (PCP/ specialist) copay Inpatient / Outpatient Copay (Surgery) Emergency Room / Urgent Care Copay Prescription Drugs – Retail

$1,500 / $4,500

$3,000 / $9,000

10%

20%

$4,500 / $9,000

$7,900 / $15,800

$0/$60

Ded & Coins/Ded & Coins

$500 + Coins/$75

$15/$35/$60/25% to $350

Prescription Drugs – Mail Order OON Deductible (individual/family) OON Coinsurance OON OOP Max (individual/family)

$3,000 / $6,000 $38/$88/$150

$6,000 / $12,000 $38/$88/$150

30%

50%

$9,000 / $18,000

$15,800 / $31,600

Benefit categories reflect In-network benefits unless noted as Out-Of-Network (OON)

Anthem Blue Cross and Blue Shield is the trade name of Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. Independent licensee of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. - 0546032-03

Featured Plan Component Detail (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026 Quote highlights Specific Stop Loss: $75,000

Coverage Period: Surplus Refund:

12/12 67.0% $40.00

Aggregate Stop Loss:

110%

Terminal Liability:

15 Months Post Termination Date Included Commission (PCPM):

This offer is:

FIRM

This offer expires:

4/26/2025

1500 Ded Plan Embedded Essential

Specific Stop Loss $143.72 $309.00 $255.82 $421.10 $7,013.54

Aggregate Stop Loss

Max Paid Claim Fund

Enrolled Contracts

Admin Fee

Term. Liability

Total Cost

Employee

$40.06 $86.13 $71.31 $117.38 $1,954.95

$245.91 $528.69 $437.71 $720.50

$513.25 $1,103.46 $913.57 $1,503.80 $25,046.42

$70.68 $151.95 $125.80 $207.08 $3,449.09

$12.88 $27.69 $22.93 $37.74 $628.55

Employee + Spouse Employee + Children Employee + Family

3 2 3

Monthly Total

$12,000.29

3000 Ded Plan Embedded Essential

Specific Stop Loss

Aggregate Stop Loss

Max Paid Claim Fund

Enrolled Contracts

Admin Fee

Term. Liability

Total Cost

Employee

$70.68 $151.95 $125.80 $207.08 $7,503.99

$131.76 $283.28 $234.53 $386.06

$11.81 $25.39 $21.02 $34.60

$36.73 $78.97 $65.38 $107.62 $3,899.63

$225.45 $484.70 $401.29 $660.55

$476.43 $1,024.29 $848.02 $1,395.91 $50,582.31

Employee + Spouse Employee + Children Employee + Family

1 9 0

Monthly Total

$13,988.93

$1,253.85

$23,935.91

Authorized Signature: By typing my name I intend for it to serve as my signature, and that I am authorized to sign on behalf of this group.

Title: Date:

Assumptions and conditions (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

SIC Code: 8011

Anthem Balanced Funding (ABF) • If subject to regulatory approval, and the applicable regulator has not yet approved, these benefits and rates may need to be adjusted. • HSA/HDHP plan benefits are subject to IRS guidelines and may change. • This proposal assumes that Anthem will be the only Self Funded carrier offered and no fully-insured lives are covered. • The contract is administered on a 12/12 basis in the first year. In the second and subsequent years, the contract will be administered on a paid basis for claims incurred on or after the original effective date, unless quoted otherwise. • Quote expires on the earlier of the effective date or 60 days from the proposal date. • BlueCard fees will be billed as a paid claim with the exception of fees generated from utilization in Anthem states. • A minimum of 75% of net eligible employees must enroll for medical coverage • COBRA enrollees must not exceed 10% of total enrollees. • Anthem's rates as presented herein assume no self-insuring by the employer of underlying member cost shares. The benefits purchased from Anthem must be communicated to the members without modification. A member's financial responsibilities, including but not limited to deductibles, coinsurance, copays, out-of- pocket maximums or, for non-par providers, balance-billed charges must be paid solely by the member. The client may not partially pay, reimburse or otherwise reduce the member's costs of care. Any deviation will require Anthem to reevaluate the quoted rates or rescind the offer of coverage.

• Employer contributions must be a minimum of 50% of the employee's single portion of the premium. • Anthem will be sole administrator.

• Retirees are not eligible for coverage. • The contracts will be issued in Georgia. • This quote is being proposed as an all-inclusive package (Anthem Medical and Rx services). Any deviation from the funding type or benefit/product mix will require a re-evaluation of the entire quote and/or offer of coverage.

• Anthem is entitled to reimbursement of benefits paid if the member recovers damages from a legally liable third party. • The processing of claims incurred prior to the effective date is the responsibility of the prior claims administrator. • Renewal notification will be provided at least 60 days prior to the renewal effective date.

• Quote is contingent of ACH withdraws from group's bank account for claims and fixed fees. Quote is contingent upon the Employer not being delinquent under any Anthem insured or self-funded plan which was in effect at any point in the preceding 12 month period. Employer remains free to apply for any other insured plan for which it qualifies. • Standard Anthem administration, procedures and policies will be in force. • A Business Associate Agreement will need to be signed by the client in the event that this account sells. Failure to sign this document will result in suppression of the Large Claim Reports. • The application must be signed prior to the effective date. • This quote assumes that to the extent ERISA applies, Anthem will accept fiduciary responsibility for claims administration and the handling of the claims complaint and appeals. In addition, to the extent ERISA applies, the employer remains the Named Fiduciary of the plan. • Certain provider fees may be billed as a claims fee PCPM and are excluded from the administrative fee. • For detailed information regarding the plan designs and the administration of benefits, please refer to Anthem's health plan description forms and sample benefit booklets. • All expenses for services or supplies in excess of any limitation under the group's employee benefit program are excluded under the stop-loss program. • Anthem shall retain the difference, if any, between the invoiced amount and the amount paid to the pharmacy benefit manager for prescription drugs dispensed to members as a portion of Anthem's reasonable compensation for services provided. • Anthem Blue Cross relies on the information provided to determine whether a proposal will be issued. The responses are assumed to be correct. If material errors or omissions are found after the quote is issued, Anthem Blue Cross reserves the right to revise or rescind the quote.

Assumptions and conditions (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

SIC Code: 8011

Anthem Balanced Funding (ABF) • Please refer to our specimen Anthem Balanced Funding Agreement and Stop-Loss Agreement for complete details.

• If the group terminated medical coverage with Anthem any surplus remaining after the terminal liability is satisfied will be retained by Anthem. Employer is obligated to pay the Terminal Liability Fund for a complete Policy Period, even if Employer terminates this Policy prior to the end of the Policy Period.

• If the group terminates the Balanced Funding arrangement but remains with Anthem on a fully-insured or ASO arrangement, the group will receive their portion of any surplus available after the terminal liability is satisfied. • Since Anthem is neither a Hawaii authorized insurer nor a Hawaii Health Care Contractor, our benefits may not match the requirements of the Prepaid Health Care Act. We recommend that you obtain direct quotes for either an individual policy for employees who live and work in Hawaii or if there are several employees within an employer group to obtain group coverage from a Hawaii authorized insurer. This would ensure that all the state requirements are met. • Under final rules issued by EEOC under the Americans with Disabilities Act and the Genetic Information Nondiscrimination Act, wellness incentives are subject to certain limits in some situations. Incentive limits may also apply under the Affordable Care Act. Employers are responsible for taking steps to comply with all legally- required incentive limits. Please consult your attorneys or advisors for additional information as needed. • Anthem reserves the right to revise this proposal or modify these fees or rates under any of the following circumstances: - Change in nature of Employer's business - Should the total enrollment or enrollment distribution by membership type, product or location change by 10% or more from that assumed when preparing the pricing for this package - The total number of monthly Subscribers falls below 10 - Due to any taxes, fees and assessments prescribed by any statutory, regulatory or other legal authority, which may bear directly on the financial consequences of this quote - Stop-Loss compliancy under HC-95PC-75 • Employer recognizes and understands that its plan is self-funded and must comply with the required attachment points as defined by state law. Employer may be charged an additional amount upon termination and final settlement of the agreement, where necessary to reflect the liability for minimum attachment points required by applicable law. • Coverage may not be available in all areas. Anthem's ability to offer products and coverage available under plans offered by Anthem may vary by the county or zip code as well as where the group's membership resides. Your broker or account manager can work with you to confirm availability of products offered by Anthem and related service areas. • Anthem Balanced Funding does not allow late enrollees. Once a group has been installed as new business, only qualified events enable a member to join the plan. Any late enrollees will be postponed until renewal. Please make sure all enrollees are submitted prior to installation. • Anthem Balanced Funding Administrative Terms & Conditions: - The cost of drafting and printing standard Enrollment Forms, Claim Forms, ID Cards, drafted Benefit Booklets for soft copy availability and Brochures is included in the administrative fee. Non-standard forms or ID Cards may be subject to an additional fee depending on the complexity of the forms/ID Cards. - Standard Utilization Review services are included in the administrative fee. This includes Pre-admission Review, Second Surgical Opinion, Concurrent Review and Discharge Planning and Personal Case Management. - Electronic eligibility or tape must be in a format acceptable to Anthem systems. - Anthem has elected to reduce the administrative expenses associated with providing benefits rather than passing back the Rx rebates as cash or checks. Crediting the administrative fee allows the group to receive a guaranteed return each month, as opposed to a return that fluctuates due to utilization.

• Anthem Balanced Funding Stop Loss Terms & Conditions: - The Specific Stop-Loss level includes paid Medical and Rx claims.

Assumptions and conditions (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

SIC Code: 8011

Anthem Balanced Funding (ABF) - The Specific Stop-Loss level reflects accumulation on a per member basis.

The Employer shall pay the Monthly Claims Funding amount during the policy period. Settlement will occur at the end of the policy period in accordance with the agreement. Surpluses, to the extent they exist, will be returned thereafter. Regardless of settlement calculation, Anthem will guarantee a Surplus of $15,000 for this contract year. Please refer to our specimen ABF and Stop-Loss Agreements for complete details. - Anthem reserves the right to inspect and audit any and all Employer documents relating to claims submitted to Anthem. Documentation includes, but is not limited to, claims, case management, utilization management records, audit records (including audits of TPA and TPA's providers and vendors), eligibility, as well as other information requested by Anthem. Anthem also has the right to review and audit records related to subrogation and other recoveries. • Anthem Balanced Funding Affordable Care Act: - The Patient-Centered Outcomes Research Trust Fund fee is a fee on issuers of specified health insurance policies and plan sponsors of applicable self- insured health plans that helps to fund the Patient-Centered Outcomes Research Institute (PCORI). The proposed rates do not include the PCORI fee, since it is assumed the employer will remit payment to HHS directly. • Description of Blue Distinction Total Care Programs (known locally as Enhanced Personal Health Care) - Blue Cross and Blue Shield Plans ("The Blues") are fundamentally shifting the way we contract with Providers. We are moving away from traditional fee-for- service contracts that guarantee Provider payment increases, regardless of clinical outcomes. We are instead establishing value-based arrangements that align Provider payments and incentives with demonstrable improvements in quality outcomes and cost efficiency. Blue Distinction Total Care(SM) is a critical component for this transformation as it supports the alignment of economic incentives to Providers with outcomes, rewarding Providers for clinical interventions that improve the quality and affordability of the health care delivery system. - At Anthem, we believe that health care is local, and there is no such thing as "one health fits all." We are the only health plan able to combine local market presence with national scope, and our history of collaborating alongside Providers in the communities we serve affords us the perspective and flexibility to tailor our programming across local and regional differences. - Blue Distinction Total Care(SM) brings together local Blue Plan initiatives, such as Anthem's Enhanced Personal Health Care, to deliver a national value- based care solution to our clients and members. Members will be attributed to the local Blue Distinction Total Care(SM) practices, based on the member's place of residence. All Blue Distinction Total Care(SM) attributed members receive the benefits offered by the local patient-centered, value-based program. - We offer this Program Description to give you important information regarding Blue Distinction Total Care(SM) program operations, including the methodology used to charge the employer and details about the reconciliation process. Our intent is to provide you with an easy to understand description of the key elements of the programs. • Program Description: - These programs consist of Accountable Care Organizations, Global Payment/Total Cost of Care arrangements, Patient Centered Medical Homes, and Shared Savings arrangements. - These programs reward Providers for successfully managing the quality and overall health care costs of Anthem members. - These programs pay performance incentives, rewards, or bonuses (including shared savings) to Providers based upon the Providers' achievement of certain cost, quality, efficiency, or service standards and/or metrics. • Methodology Used To Charge The Employer: - We use a method called "attribution" to match members with Providers. The purpose of attribution is to recognize and support existing member/Provider relationships. - Attribution is used to identify the Provider's patient population, defining which members the Provider is responsible for, so that we create reports to show Providers how they are performing in the program.

Assumptions and conditions (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

SIC Code: 8011

Anthem Balanced Funding (ABF) - Blue Distinction Total Care(SM) programs are designed to reflect the local Provider marketplace dynamics; and as a result, the attribution algorithm that aligns members with Providers may vary somewhat by geography and Blue Plan. The following are examples of attribution methodology: ° For products that require the selection of a Primary Care Provider ("PCP"), members will be attributed to the Provider they select as a PCP. The attribution is updated monthly to reflect the selection. ° For products that do not require the selection of a PCP, such as Open Access PPO products, members are attributed to the Provider they have seen most frequently in a 24-month period based on claims data. In case of a tie, priority will go to the Provider with whom the member has had the longest relationship. Attribution is updated quarterly based on updated claims and reconciled with eligibility each month. ° Although not required for open access products, Anthem encourages the selection of a PCP. This can be accomplished in three ways: 1) employers can complete designations on the Employer Portal; 2) members can make their designation on the Consumer Portal; or 3) members may call Customer Service. - To understand how the employer is charged, it is helpful to first understand how savings are calculated and how the Provider's share of the savings is determined. While details in methodology may vary by plan, the core principle holds that all Blue Plans reward Blue Distinction Total Care(SM) Providers for delivering high quality care while managing cost of care goals. Here's an example of one of Anthem's Blue Distinction Total Care(SM) programs: ° We first project the expected cost of health care services for attributed members, to establish a medical cost target, by reviewing risk-adjusted historical claims costs for the Provider or a group of Providers and trending those costs forward. We sometimes group Providers together to ensure that the medical cost target is calculated on the basis of a statistically valid pool of patients. ° Then, the actual risk-adjusted costs incurred during the year are compared with the medical cost target. If the actual costs are less than the medical cost target and the Provider meets a quality threshold, the Provider becomes eligible to receive a portion of the savings. If a Provider does not meet the quality threshold, the Provider is not entitled to any bonus payment, regardless of the savings generated. ° If the Provider meets the quality threshold, and therefore is eligible to earn a performance bonus, the amount of the bonus will vary based on the Provider's performance on the quality measures. The higher a Provider's quality scores, the larger the bonus the Provider will receive, subject to a maximum - Fixed Per Attributed Member Per Month (PaMPM): This is the amount we actuarially determine to cover the cost of the Provider performance bonus. Under Anthem's Blue Distinction Total Care(SM) programs, this amount will be updated periodically using a projection based on each Anthem states' self-funded book of business. - Enhanced fee schedule: The program incentive is included within the Provider's fee schedule. This will be included in the medical claims expense and will not be detailed on the claims invoice. - Member cost share will not be affected by Provider performance payments. • Reconciliation Process: - The Blue Distinction Total Care(SM) charges to the employer will be updated periodically based on experience and actuarial projections. Reconciliation will be completed periodically and any surplus or shortfall will be applied to those forecasts when setting the future Blue Distinction Total Care(SM) payments - For example, Anthem may make additional payments to Providers or Anthem may receive payments from Providers based on the outcome of the measurement period. As a result of these periodic settlements with Providers based on Anthem's self-insured book of business, Anthem will adjust the PaMPM amount prospectively to reflect these settlements with Providers. - All Blue Distinction Total Care(SM) charges are reviewed quarterly by the Blue Cross Blue Shield Association. payment amount. The expectation is that the employer will also benefit from the lower overall costs. • Provider performance bonuses are funded by the employer through one of the following methods:

Assumptions and conditions (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

SIC Code: 8011

Anthem Balanced Funding (ABF) • Anthem appreciates your support during this exciting time as Provider Payment Innovation evolves and new value streams are created. We are committed to this transformation and early results have shown improvement in both quality outcomes and medical cost containment. Blue Distinction Total Care(SM) will continue to evolve and lead the way for payment innovation in the marketplace, delivering better health management for your members, and ensuring efficient use of your health care resources. • Please refer to the Statement of Benefits for detailed information on benefit attributes, especially for Tiered benefit designs or which services are before or after deductible. • Anthem reserves the right to re-rate or rescind the quote if there is inaccurate census information provided (incorrect birthdates, zip codes, misspelled names, etc.) • Any whole health savings credits that are provided and credited to the groups invoice are payable back to Anthem should the group terminate prior to the end of their 12 month contract. The amount payable will be prorated based on termination date.

Authorized Signature: _______________________________________________________________________________ Title: _____________________________________________________________________________________________ Date: _____________________________________________________________________________________________

Services included and buy-up options (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

Services Included in fixed administrative costs Administration of the proposed 1500 Ded Plan~Blue Open Access POS, 3000 Ded Plan~Blue Open Access POS plan designs. Anthem Health Guide ABF Foundational Program

             

FI Engagement Package 700 EAP Basic 3-Visit Diabetes Prevention Outreach Blue Distinction Programs Claims Fiduciary Coverage

Standard ID cards

Standard management reporting State/federal reporting Open enrollment meeting support Electronic version of the benefit booklets

Implementation/Plan Program/Other Credit - Annual credit in the amount of $15,000.00 will be applied towards services from Anthem and Non-Anthem pre-approved services. This credit is applicable only during the 6/1/2025 through 5/31/2026 policy year and will be forfeited if not used by the end of the policy year 5/31/2026. If Zoe Center for Pediatric and Adolescent Health LLC terminates this agreement prior to the end of the agreement period, the Plan Program Credit amount shall be prorated. If Zoe Center for Pediatric and Adolescent Health LLC has received credits greater than the prorated amount, then Zoe Center for Pediatric and Adolescent Health LLC shall also be responsible for returning excess credit amounts to Empire within 30 days of the termination.

NOTE: Expenses for items such as programming, personnel expenses, travel and incentives are not reimbursable. Buy-Up Options

PCPM fee

 EAP Enhanced 4-Visit  EAP Enhanced 6-Visit

$1.27

$1.76 Fee Billed Per Participant Per Month

Spending Account & Other Buy-up Options (charged separately)

 Anthem Spending Accounts Stand Alone, Commuter, or Dependent Care FSA

$3.55 $0.80 $0.80 $1.15 $1.25

 Multi-Purse Add-on: Primary HRA required  Multi-Purse Add-on: Primary HRA required, Wrap Model  Multi-Purse Add-on: Primary HSA required, Employer Pay  Multi-Purse Add-on: Primary HSA required, Member Pay

Notes Full quote details available upon request. HSA and HRA account administration is only available with particular plan designs. Details available upon request. Health Savings Account Fees may be paid by the employer or the employee.

0546032-03

Additional service fees (ABF) Zoe Center for Pediatric and Adolescent Health LLC

Effective June 1, 2025 through May 31, 2026

Additional service fees

Engagement on Claims Audits $150 per hour in situations where Anthem is asked to perform research on claim audit findings. Maximum of 250 claims will be reviewed by Anthem. Anthem shall provide up to one Monthly data feed to a supported outside vendor in Anthem’s standard format , not to exceed 12 feeds. The charge is $1,000 for each additional feed. Each time a report is sent to a supported vendor electronically, it is considered a feed, even if the same report is sent to the same vendor monthly. For example, if monthly feeds are sent to two supported vendors, 24 electronic data feeds will have been used on an annual basis. The charge for Weekly data feeds to a single supported vendor, not to exceed 52 feeds, is $15,000 annually. The charge for Daily data feeds to a single supported vendor, not to exceed 365 feeds, is $20,000 annually. Additional fees would be required for Stop Loss interfaces, Rx integration feeds and telemedicine. Independent Dispute Resolution Fee for Independent Dispute Resolution. Fees charged to Anthem as part of independent dispute resolution processes, including arbitrator fees, will be charged to Employer. The PPACA requires that ASO groups provide a process for external claims appeals to be available in situations where adverse benefit determinations have been made. Employer may contract with Anthem for this service or arrange to work directly with an external vendor. The fee will be $500 per external appeal for the service contracted with Anthem. Data Feeds A capitation fee will be charged for each Member seeking services from a Provider paid on a capitated basis for Anthem’s oversight and care coordination of designated Members. Such capitation fee shall be 20% of the monthly capitation rate paid to Providers. Capitation Fees BlueCard Fees The following BlueCard fees will be included in the paid claims amounts: ● The access fee is charged at a percentage no greater than 3.31% of the discount/differential subject to a maximum of $2,000 per claim. ● The AEA Fee is $5.00 per professional provider claim and $11.00 per institutional claim. ● Occasionally, Anthem and a Host Blue may contract for a lower fee by combining the Access Fee and the AEA fee. ● The Central Financial Agency fee is $0.35 per payment notice. The ITS transaction fee is $0.05 per claims transaction. ● BlueCard fees are not charged in Anthem states. For a complete description of these fees, please consult your ASO Agreement. Subrogation services The charge is 25% of gross subrogation recovery. External appeals



0546032-03

Cigna Proposal

Effective Date: June 1, 2025

Cigna Healthcare SM Financial Proposal For Zoe Center for Pediatric and Adolescent Health, LLC

Date Generated: March 26, 2025

Zoe Center for Pediatric and Adolescent Health, LLC

Benefits & Total Rate Overview: Level Funding Q3P2 Triple Option Plan Q3 OAP BASE (37496493)

Q3 OAP BUYUP (37497303) Open Access Plus $1,500 / $4,500 (Non-Collective) $4,500 / $9,000 (Non-Collective)

Q3 HSA (37516588)

Open Access Plus

HSA Open Access Plus

Product

In-Network Deductible (Single/Family)

$3,000 / $9,000 (Non-Collective) $7,900 / $15,800 (Non-Collective)

$6,000 / $12,000 (Non-Collective) $6,000 / $12,000 (Non-Collective)

Out-of-Pocket (Single/Family)

80% 100%

90% 100%

100%

Coinsurance

100% ^

Physician Services - PCP Physician Services - SPC Inpatient Services Outpatient Services

$60 + 100%

$60 + 100% ^

80% ^ 80% ^ 80% ^ 80% ^ 100%

90% ^ 90% ^ 90% ^ 90% ^ 100%

90% ^ 90% ^ 90% ^ 90% ^ 100% ^

Emergency Room

Urgent Care

MDLive Virtual - UC Lab Services - OV Lab Services - Ind. Lab

Same as Phy. OV

80% ^ 80% ^

90% ^ 90% ^

90% ^ 100% ^

Adv. Radiology - Outpatient

Same as Spc. OV Same as Spc. OV Same as Spc. OV

Outpatient PT

Outpatient Speech & OT

Chiropratic Care Pharmacy Pharmacy Network

Cigna 90 Now Walgreens

Client Anchor Formulary/PDL

Performance $15/$35/$60 $38/$88/$150

Performance

$15 ^/$35 ^/$60 ^ $38 ^/$88 ^/$150 ^

Retail

Home Delivery Drug Out-of-Network Deductible

$3,000/$9,000 $7,900/$15,800

$1,500/$4,500 $4,500/$9,000

$12,000/$24,000 $12,000/$24,000

Out-of-Pocket Coinsurance Total Rates Employee Emp + Spouse Emp + Child(ren)

60%

70%

80%

$524.44 30

$583.47 $1,254.48 $1,038.58 $1,709.58

0 0 0 0

$411.30 $884.28 $732.09 $1,205.09

$1,127.52 $933.48 $1,536.58

2 3 3

9 0

Emp + Family

Grand Total Monthly Cost

$83,943.46

Services where plan deductible applies are noted with a caret (^).

2 / 10

Zoe Center for Pediatric and Adolescent Health, LLC

Detailed Rates : Level Funding Q3P2 Triple Option Plan: Q3 OAP BASE

Product: Open Access Plus

Subs

Admin Fee Individual Stop Loss

Aggregate Stop Loss

Fixed Costs Claims Funding

Total Costs

Employee

$36.60 $78.68 $65.14 $107.23

$97.02 $208.59 $172.69 $284.26

$16.60 $35.69 $29.55 $48.64

$150.22 $322.96 $267.38 $440.13

$374.22 $804.56 $666.10 $1,096.45

$524.44 $1,127.52 $933.48 $1,536.58

Emp + Spouse Emp + Child(ren) Emp + Family Monthly Cost

9 0

$3,885.74

$10,300.56

$1,762.44

$15,948.74

$39,730.82

$55,679.56

Plan: Q3 OAP BUYUP

Product: Open Access Plus

Subs

Admin Fee Individual Stop Loss

Aggregate Stop Loss

Fixed Costs Claims Funding

Total Costs

Employee

$36.87 $79.27 $65.62 $108.03 $1,785.59

$101.57 $218.39 $180.80 $297.61 $4,919.11

$18.90 $40.64 $33.65 $55.38 $915.37

$157.34 $338.30 $280.07 $461.02

$426.13 $916.18 $758.51

$583.47 $1,254.48 $1,038.58 $1,709.58

Emp + Spouse Emp + Child(ren) Emp + Family Monthly Cost Plan: Q3 HSA

2 3 3

$1,248.56

$7,620.07

$20,637.47

$28,257.54

Product: HSA Open Access Plus

Subs

Admin Fee Individual Stop Loss

Aggregate Stop Loss

Fixed Costs Claims Funding

Total Costs

Employee

0 0 0 0

$40.87 $87.86 $72.74 $119.74

$97.90 $210.48 $174.25 $286.83

$11.58

$150.35 $323.23 $267.59 $440.49

$260.95 $561.05 $464.50 $764.60

$411.30 $884.28 $732.09 $1,205.09

Emp + Spouse Emp + Child(ren) Emp + Family Monthly Cost

$24.89 $20.60 $33.92

$0.63

$1.51

$0.18

$2.32

$4.03

$6.36

Cost Summary

Admin Fee Individual Stop Loss

Aggregate Stop Loss

Fixed Costs Claims Funding

Total Costs

Monthly Total Annual Total

$5,671.96

$15,221.18

$2,677.99 $32,135.87

$23,571.13

$60,372.32

$83,943.46

$68,063.54

$182,654.20

$282,853.61

$724,467.89 $1,007,321.52

Funding Details Individual Stop Loss Limit (Medical & Rx)

$40,000

Corridor Factor (Total)

110%

Surplus Share

1/2 retained by Cigna Healthcare, 1/2 returned to the Employer

Benefit Advisor Fees / Commissions

$40.00 PEPM

The quoted rates are subject to final Underwriting approval.

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Zoe Center for Pediatric and Adolescent Health, LLC

Proposal Terms & Conditions: Level Funding Q3P2 Triple Option

General Terms of this Proposal Cigna Healthcare is pleased to present this Proposal for an Administrative Services Only group Medical, Pharmacy, Behavioral Health benefit plan (the ""Plan"") sponsored by Zoe Center for Pediatric and Adolescent Health, LLC. This proposal is valid for 60 days from its original date of release, 03/26/2025. Any revisions or updates to this proposal will not renew this valid timeframe unless expressly communicated by Cigna Healthcare.

Proposal Caveats Cigna Healthcare may revise or withdraw this Proposal if: 1. there is a change to the effective date and/or duration of the period covered by the quote. 2. the policy will not be sitused in GA. 3. the group size differs from what was presumed at the time of quote based upon confirmation of employer group status on a State definition of small or large employer group, as applicable. 4. enrollment in the Cigna Healthcare administered plan is less than 50% of the total eligible population identified as 186. 5. the final enrollment deviates from the quoted enrollment, by product or for total account, such that it results in a needed change in rates. Rates are based on final enrollment factors, including total number of enrollees, their age, sex, demographics, location and the distribution of enrollees by product or by customer tier. 6. requires you to notify us within 30 days if any of the information upon which these rates or benefits were based (including Medical History Information) changes or is inaccurate. 7. it is not the exclusive provider of Medical , Pharmacy, Vision or like products for all of Zoe Center for Pediatric and Adolescent Health, LLC's employees in all worksites. 8. benefit advisor fees/commissions are requested to be different than $40.00 PEPM. 9. By way of illustration, such legislation or executive actions which impose controls or requirements that affect: our ability to determine rates; covered medical expenses or service benefits; providers' delivery of care or the fees they charge; or our contracts with providers, may be deemed to so affect our contractual obligations. Should this happen, Cigna Healthcare will make a good faith effort to work to reach a new agreement that equitably reflects the circumstances as altered by government action. 10. there is any reimbursement arrangement ("gap" cards, etc.) that subsidizes or reduces the out-of-pocket obligation of covered persons under the policy. 11. This proposal made by Cigna Healthcare is contingent upon: ● Cigna Healthcare's receipt of the following information: -Completed medical history questionnaire 30 days prior to the policy effective date. ● Cigna reserves the right to revise or withdraw this proposal if the required medical questionnaire is not received 30 days prior to the policy effective date. B. Scope and Application of this Proposal Unless otherwise indicated, the coverage reflected in this Proposal: 1. assumes that any insurance policy, certificate/booklet, or summary plan description material will be made available to the policyholder electronically. 2. supersedes and renders null and void any prior Cigna Healthcare offer or proposal with respect to the Plan. 3. reflects the claims and administrative savings realized by packaging the following specialty coverage with Medical: Pharmacy, Cigna Total Behavioral Advantage. 4. includes Cigna's One Guide digital and customer guidance solution. 5. does not apply to part-time or seasonal employees for any plan. 6. does not apply to Medicare eligible retirees for any plan. 7. includes Cigna's Network Savings Program (NSP) and other Cost Containment programs designed to contain costs with respect to charges for out-of- network health care services/supplies that are covered by the Plan and reduce the member's balance billing exposure. For administering these programs, Cigna retains a portion of the savings or recoveries generated. 8. includes a maximum reimbursable charge (MRC) for out-of-network coverage equal to 110.0% of a fee schedule developed by Cigna Healthcare based upon a methodology similar to that used by Medicare to determine the allowable fee for similar services in the geographic market OR, where that fee schedule does not provide a value, Cigna may determine the MRC based on a rate for the same or similar service or supply by applying a Medicare-based methodology that Cigna deems appropriate. 9. does not include administration of "run out" claims incurred prior to the effective date. 10. Notwithstanding the foregoing guarantee, Cigna may revise any charges at any time if Cigna is (i) required to pay any tax or assessment, or (ii) incur additional costs in administering the contract as a result of any state or federal law. 11. assumes that Cigna is selected as the carrier for both Aggregate and Individual Stop Loss for a 12 month policy period. 12. includes Rx claims for the Aggregate Stop Loss coverage and includes RX claims for the Individual Stop Loss coverage. 13. reflects that the ISL Maximum mirrors the underlying medical plan maximum. 14. assumes 136 covered employees on the Stop Loss quote. 15. assumes that the Stop Loss contract covers claims incurred since policy inception and are paid during the current policy year. The paid period will be extended in the year of termination to include the 15 months immediately following. 16. assumes Cigna Healthcare's standard Services Agreement will be used and executed before the effective date of Cigna Healthcare providing administrative services. 17. assumes that administrative fee (excluding Incentive Programs) will be paid from the Plan Bank Account. 18. assumes that Incentive Program debit/gift card rewards will be funded by the client and will be direct billed or withdrawn from the bank account (as applicable). 19. includes charges made by either a specialty vendor or an affiliate, such as eviCore for care management programs to contain the cost of specific health services/items and/or improve adherence to evidence-based guidelines to promote patient safety and efficient care (i.e., charges for management of diagnostic cardiology, radiation therapy, musculoskeletal procedures, medical oncology, gastroenterology, sleep management and home health/DME/HIT and appropriate setting of care/service) when applicable, and medical necessity review (i.e chiropractic services). 20. includes Cigna Pathwell Specialty, a network solution for medical specialty drugs. 21. Includes Cigna Pathwell Bone & Joint℠, a clinical navigation, benefit, and network solution for musculoskeletal care.

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Zoe Center for Pediatric and Adolescent Health, LLC

22. includes fixed charges for Embarc Benefit Protection℠, a network solution for certain high-cost gene therapy drugs arranged by eviCore. 23. assumes a deposit equivalent to one month of Insurance and Admin costs is collected at time of sale and applied as a credit to your first bill. 24. assumes Cigna Healthcare will set aside a portion of the claims funding collected throughout the year and apply these funds to claims that are paid after the policy has been terminated. Any and all surpluses in claim funding may be forfeited and retained by us as a deferred service fee, including those at the end of the claim run-out period. There will be no additional administration, insurance, or claims charges following the termination date. 25. assumes year-end accounting will be completed on an annual basis 90 days following the policy anniversary date. Any applicable refund will appear as a credit to Insurance and Admin costs in subsequent months. 26. Cigna Healthcare assumes that the group health plan or health insurance coverage to which this proposal applies will not be a "grandfathered health plan" under the Patient Protection and Affordable Care Act (the "Act") and that it will be subject to all requirements of the Act applicable to a group health plan or health insurance coverage unless otherwise specified in writing. 27. does not include paying on behalf of the Plan the Comparative Effectiveness Research Fee required under section 4376 of the Internal Revenue Code as added by the Patient Protection and Affordable Care Act. Cigna Healthcare is prohibited from calculating, collecting and paying the fee on behalf of the Plan. 28. assumes applicable requirements of the Patient Protection and Affordable Care Act will be implemented on the effective date/renewal date unless you direct otherwise. 29. For covered mental health and substance abuse services from participating providers, Cigna Healthcare shall apply discounts available under an agreement with its affiliate, Evernorth Behavioral Health, Inc. or Evernorth Care Solutions, Inc. Zoe Center for Pediatric and Adolescent Health, LLC shall pay Cigna Healthcare 33% of the savings (billed charges less negotiated rate x .33) which shall be taken from Zoe Center for Pediatric and Adolescent Health, LLC's bank account when the claim for covered services is paid. 30. assumes that dental/vision benefits will be under a separate ASO agreement and are excepted benefits and not subject to HIPAA and ACA requirements. 31. Assumes that drugs covered under the plan's pharmacy benefit shall be administered in accordance with the following estimated pricing terms for the product Open Access Plus: ● Average Brand Discount: Average Wholesale Price - 27.24% ● Average Generic Discount: Average Wholesale Price - 83.65% ● Average Specialty Discount: Average Wholesale Price - 26.69% ● Average Dispensing Fee: $1.14 Cigna earns financial Rebates through drug manufacturer arrangements on certain drugs that are included on Cigna's prescription drug list (a/k/ a Formulary). For some of the drugs for which Cigna may earn financial Rebates, Cigna uses some portion of the financial Rebate value to adjust the Prescription Drug Charges payable by you, as the plan sponsor, and/or Members for those drugs. 32. Assumes that drugs covered under the plan's pharmacy benefit shall be administered in accordance with the following estimated pricing terms for the product Open Access Plus: ● Average Brand Discount: Average Wholesale Price - 27.24% ● Average Generic Discount: Average Wholesale Price - 83.65% ● Average Specialty Discount: Average Wholesale Price - 26.69% ● Average Dispensing Fee: $1.14 Cigna earns financial Rebates through drug manufacturer arrangements on certain drugs that are included on Cigna's prescription drug list (a/k/ a Formulary). For some of the drugs for which Cigna may earn financial Rebates, Cigna uses some portion of the financial Rebate value to adjust the Prescription Drug Charges payable by you, as the plan sponsor, and/or Members for those drugs. 33. Assumes that drugs covered under the plan's pharmacy benefit shall be administered in accordance with the following estimated pricing terms for the product HSA Open Access Plus: ● Average Brand Discount: Average Wholesale Price - 27.24% ● Average Generic Discount: Average Wholesale Price - 83.65% ● Average Specialty Discount: Average Wholesale Price - 26.69% ● Average Dispensing Fee: $1.14 Cigna earns financial Rebates through drug manufacturer arrangements on certain drugs that are included on Cigna's prescription drug list (a/k/ a Formulary). For some of the drugs for which Cigna may earn financial Rebates, Cigna uses some portion of the financial Rebate value to adjust the Prescription Drug Charges payable by you, as the plan sponsor, and/or Members for those drugs. 34. does not apply to individuals unless employed by the policyholder or an entity that participates in an association or trust that is the policyholder. ● ADDITIONAL GENERAL TERMS OF THIS PROPOSAL: 35. The information contained in this Proposal by Cigna Healthcare is proprietary and highly confidential. It is being provided with the understanding that it will not be used by the employer, its representatives or consultants for any purpose other than the evaluation of the Proposal. Under no circumstances is any of the information contained herein (including excerpts, summaries, extracts, and evaluations thereof) to be used, disseminated, disclosed or otherwise communicated to any person or entity other than the employer, its representatives and consultants, and their respective employees who are directly involved in the evaluation process. 36. For Cigna Diabetes Prevention Program in Collaboration with Omada, if elected fees charged by the network provider via the claim account are as follows: $235 Enrollment fee charged via claim when the member enrolls in the program. Following Enrollment, claims will vary based on the amount of weight lost.

C. Additional Representations & Disclosures 1. The quoted rates are subject to final Underwriting approval. 2.

Each plan presented in this proposal has an actuarial value, determined by Cigna Healthcare, of 60% or greater. This determination was made using Cigna Healthcare's manual rating application which may produce an actuarial value slightly different than the official HHS calculator. Although we would expect any deviation to be small, you will have to consult with your actuarial consultant for a more precise determination of the plan's actuarial value. Cigna Healthcare does not provide actuarial certifications. 3. Cigna Healthcare may pay on your behalf any applicable state tax or assessment imposed upon your plan by drawing upon the bank account. 4. In order to implement the requested benefit design, different funding arrangements (i.e., insured, self-insured and/or HMO) involving affiliated Cigna companies may be required with respect to plan participants residing in certain states.

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