Page 2 - Megatel Homes LLC Benefit Guide Effective 8-1-2023 Updated 8-24-23

Our employees are our

most valuable asset.

Megatel Homes, LLC is committed to a comprehensive benefit program that helps our employees stay healthy and feel secure while maintaining a
quality work/life balance.

MEDICAL is renewing with United Healthcare (UHC) and will continue to offer four comprehensive medical plans. Our medical plans offer a variety
of Doctor Copays, Deductibles, and Out of Pocket Maximums. (Medical plans come with Virtual Visits, UHC has an Employee Assistance Program
(EAP) and a number of Wellness programs for healthier lifestyles including a partnership with Apple Fitness, and UHC Rewards, where you’re able
to earn up to $300 for completing health and wellness activities (refer to page 11). Megatel Homes contributes Over 77% of Employees Cost and
in 2023, we contribute Over 55% for Employees (with Dependents) depending on the plan you choose.

VOLUNTARY DENTAL is renewing with United Healthcare. Both dental plans provide 100% preventative services with annual deductible and cal-
endar year maximum waived. Both plans include MaxMultipiler benefit, which is a way to increase your annual maximums. The Buy Up Plan now
has “true” Implant coverage. United Healthcare has a much larger Dental PPO network. Buy-Up Dental plan reimbursement is based on usual and
customary level as well.

VOLUNTARY VISION is offered through United Healthcare too. New Enhanced benefits and now offering Warby Parker Network with complete
set of glasses for $25 Copay.

VOLUNTARY LIFE and AD&D is offered through Mutual of Omaha for employees and dependents. Employees in their NEW HIRE period have
Guaranteed Issue, NO health questions up to $150,000 for employees, $50,000 for Spouses and $10,000 for Child(ren). Voluntary life insurance
includes Accidental Death and Dismemberment (AD&D). Current employees, If previously enrolled, you can increase your amount by $30,000 up
to the GI amount limit of $150,000. If you did not make a voluntary life election during your new hire enrollment, you will need to fill out an EOI form.
Voluntary life insurance includes Accidental Death and Dismemberment (AD&D).

VOLUNTARY STD and LTD Mutual of Omaha is Low Cost offering Short Term Disability starting 15th day WITH No Health Questions. You also
have ability to add Long Term Disability starting after 90 days covering 60% of your Income Tax Free! LTD benefit period up to age 65 of Normal
Social Security Retirement Age.

NEW VOLUNTARY ACCIDENT PLAN Mutual of Omaha is Low Cost comprehensive accident coverage for fractures, burns, lacerations, hospital,
surgical, ER and doctors, accidental death and dismemberment.

NEW PET INSURANCE Nationwide employer sponsored comprehensive pet insurance for dog, cats birds, and most exotic animals.

Please retain a copy of this benefit guide for a brief review of your employee benefits, helpful information, costs, and necessary contact information.
Our benefit guide will not serve as an ID card or verification of your benefits at a provider’s office, but it can provide assistance if needed.

For more information and to review the Glossary of Health Coverage and Medical Terms, you can log into our Megatel Homes, LLC Benefit
Website 24/7 with your personal ID and your password listed on page 37. For additional contact numbers and information please refer to page 38.

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