Open Enrollment is November 4 – November 13

Point C Medical on the Anthem Network — three EPO options, in-network only

Choose from the EPO $1,500, EPO $2,500, or EPO $3,500 plan. All three are administered by Point C and use the Anthem provider network. Preventive care is covered 100% in network.

Find an in-network doctor at anthem.com/find-care. For claims, ID cards, plan documents, deductibles and out-of-pocket accumulators, register at the Point C Member Portal.

24/7 virtual care: Teladoc Health is available for non-urgent common conditions by phone or video. Visit TeladocHealth.com, call 1-800-835-2362, or use the Teladoc Health app.

Dependent children are covered to age 26; coverage ends at the end of the month of their birthday.

CarelonRx Pharmacy Home Delivery — convenient delivery for long-term medications

Manage home-delivery prescriptions through the Sydney Health app or at anthem.com. CarelonRx Pharmacy can contact your doctor for a new, 90-day prescription when needed, and standard shipping is free.

First-time orders generally take about five days to process, refills about two days, and standard shipping typically takes 3–5 days. You can also track orders, set reminders and automatic refills, and ask about lower-cost medication options.

Need help? Call the CarelonRx Pharmacy Contact Center at 833-396-0309 or use live chat through Sydney Health or anthem.com.

Lincoln Financial Dental — two options on the Lincoln DentalConnect PPO network

• Low Option: $50 individual / $150 family in-network deductible (waived for preventive) · $1,500 annual maximum · preventive 100%, basic 50%, major 50% · no orthodontia
• High Option: $50 individual / $150 family in-network deductible (waived for preventive) · $5,000 annual maximum · preventive 100%, basic 80%, major 50% · orthodontia 50% for children to age 19, $1,000 lifetime maximum

Two cleanings every 12 months on both plans. No waiting periods. Out-of-network benefits are paid at the maximum allowable charge. Find a dentist at LincolnFinancial.com/FindADentist.

Lincoln Financial Vision — Spectera network

• Exam: $10 copay · Materials: $25 copay
• Frequency: exam 12 / lenses 12 / frames 12 months
• Lenses: single, bifocal, and trifocal covered in full after copay
• Frames: $200 allowance · Elective contacts: $200 allowance

Register at lvc.lfg.com to print an ID card, review benefits, and use the Provider Quick Search.

Lincoln Financial Life & AD&D — employer-paid basic coverage plus voluntary buy-up

Basic Life & AD&D (paid by ML Automotive Group):

• Class 1 · General Managers, Controllers & Directors: $200,000
• Class 2 · Managers and Finance Closers: $50,000
• Class 3 · All other full-time employees: $20,000

Benefits reduce 35% at age 65 and 50% at age 70. Portability included.

Voluntary Life & AD&D:

• Employee: $10,000 increments up to 5x base salary, maximum $300,000 · guarantee issue $200,000
• Spouse: $5,000 increments up to the lesser of 2.5x your salary or 50% of your elected amount, maximum $150,000 · guarantee issue $50,000
• Child(ren): $1,000 from birth to 14 days; $1,000 increments to age 26, maximum $20,000

AD&D for employee and spouse, portability, and LifeKeys and TravelConnect services are included. Voluntary coverage reduces 50% at age 70. Late entrants require Evidence of Insurability.

Lincoln Financial Voluntary Short-Term Disability — income protection for shorter absences

• Benefit: 60% of base salary, up to $1,500 per week
• Elimination period: 14 days accident / 14 days sickness
• Benefit duration: 11 weeks
• Pre-existing condition period: 3 months / 12 months

Coverage begins the first of the month following your waiting period. Late entrants require Evidence of Insurability.

Lincoln Financial Voluntary Long-Term Disability — income protection for extended disabilities

• Benefit: 60% of base salary, up to $10,000 per month
• Elimination period: 90 days
• Benefit duration: later of age 65 or Social Security normal retirement age
• Own occupation: 3 years
• Pre-existing condition period: 6 months / 12 months
• Mental illness / substance abuse: 24 months

American Public Life MEDlink® Select GAP Plan — helps cover your medical deductible and coinsurance

Supplemental limited-benefit medical expense insurance that pays toward in-hospital and outpatient expenses your medical plan leaves to you. Two options:

• Option 1: $1,500 in-patient / $750 out-patient per covered person per calendar year (family maximums $4,500 / $2,250)
• Option 2: $2,500 in-patient / $1,250 out-patient per covered person per calendar year (family maximums $7,500 / $3,750)

Outpatient benefits cover hospital outpatient, urgent care, emergency room, surgery, diagnostic testing, therapy, and more at 100% for sickness and accident, up to the plan maximum.

Lincoln Financial Accident Insurance — cash benefits for on- and off-the-job injuries

• Emergency room / urgent care / initial office visit: $200 each
• Hospital admission: $2,000 · ICU admission: $2,000
• Daily hospital confinement: $500 · Daily ICU confinement: $750
• Ambulance: $1,000 ground / $2,000 air
• Fractures and dislocations: up to $5,000 each
• Wellness benefit: $50 per year

Includes an enhanced benefit for organized sports-related accidents. Portable, with no age reductions.

Lincoln Financial Critical Illness Insurance — a lump-sum payment after a covered diagnosis

• Employee: $10,000, $15,000, or $20,000 · guarantee issue $20,000
• Spouse: $5,000 or $10,000 · guarantee issue $10,000
• Child(ren): 50% of the employee amount

Pays 100% for covered conditions including invasive cancer, heart attack, stroke, and kidney failure, and 25% for non-invasive cancer. No maximum payout, no age reduction, no pre-existing condition limitation, and a $50 annual wellness benefit. Rates are based on age and coverage level. Portable.

Lincoln Financial Hospital Indemnity — cash to help with the costs of a hospital stay

Option 1:

• Hospital admission: $1,000 · ICU admission: $1,000
• Daily hospital confinement: $100 · Daily ICU confinement: $200

Option 2:

• Hospital admission: $2,000 · ICU admission: $1,000
• Daily hospital confinement: $200 · Daily ICU confinement: $400

Both options include a $50 wellness benefit, have no pre-existing condition limitation, and include portability.

Lincoln Financial EmployeeConnect, LifeKeys & TravelConnect — no-cost support included with your Lincoln coverage

EmployeeConnect (EAP): confidential help for you and your immediate household, 24/7 by phone and online at guidanceresources.com, including a 25% discount on services from an attorney referral.

LifeKeys: included with life and AD&D coverage — free online will preparation, ID theft information, unlimited phone access to grief counselors and legal and financial specialists, up to six in-person sessions, and memorial planning (web ID LifeKeys).

TravelConnect: medical, security, and travel assistance when you are 100 or more miles from home, including transportation and evacuation coordination. Plan documents at mysearchlightportal.com, Group ID LFGTravel123.

Everyone must complete enrollment in Employee Navigator — you must make a decision on every plan, even if you are waiving. Register as a new user with company identifier MLAutomotive, your name, the last four digits of your Social Security number, and your birth date. Dependent Social Security numbers are required. Your enrollment is not complete until you click to sign.

Eligibility: full-time employees working 30 or more hours per week, plus your spouse and children to age 26 (and unmarried disabled children over 26). New hires are covered the first of the month following 60 days of hire.

Qualifying events: outside Open Enrollment, you can only change elections within 30 days of a qualifying event such as marriage, divorce, birth or adoption, a change in employment status, or loss of other coverage. Notify Human Resources within 30 days.

Pre-tax premiums: medical, dental, vision, and certain supplemental premiums are deducted before taxes under the Section 125 cafeteria plan.

Where to get care: your medical plan is in-network only — use anthem.com/find-care or the Sydney Health app to confirm a provider before your visit. Virtual primary care and mental health visits are covered 100%.