Required Annual Notices for Group Health Plans

TO: DATE: SUBJECT: Employees Eligible for Group Health Benefits under the AESOP Intermediate Group Health Plan January 1, 2026 Required Annual Notices for Group Health Plans ***Important Information - Action May Be Required*** To make sure that you have all the information you need to make informed decisions for you and your family, the law requires AESOP Auto to provide you with notice of certain legal rights that you may have and legal obligations that apply to the AESOP Auto Group Health Plan. These rights and obligations are described in more detail in the enclosed notices. Contents Women's Health and Cancer Rights Act (WHCRA) Notice Page 2 Newborns' and Mother's Health Protection Act (NMHPA) Notice Page 2 Medical Loss Ratio (MLR) Rule Notice Page 2 Notice of HIPAA Privacy Practices Page 3 Notice of HIPAA Special Enrollment Rights Page 6 New Health Insurance Marketplace Coverage Options and Your Health Coverage Page 7 Important Notice about Your Prescription Drug Coverage and Medicare Page 9 Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP) Page 11 Model General Notice of COBRA Continuation Coverage Rights Page 15 Your Rights and Protections Against Surprise Medical Bills Page 19 You should review these notices closely and keep them with other materials that you receive about benefits available under the Plan. If you have any questions about any of the legal rights and obligations described below or the Plan, you should write or call: Kate Alvarado, Human Resources 816-242-0590 I kate.alvarado@aesopauto.com The following notices are not intended to be a description of the benefits offered under the Plan. For more information about specific benefits, refer to the Summary Plan Descriptions for the Plan. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage. Please see page 9 for more details.