Frequently asked questions Will I receive reduced benefits from Symetra if another insurance plan covers my medical costs? No. We’ll still pay your full benefit, even if another insurance plan has already picked up some or all of the bill. Is it easy to use my supplemental health benefits? Yes! Watch this brief video to learn how to make the most of your benefits. Why should I enroll during annual enrollment? If you don’t enroll in coverage during annual enrollment, you’ll have to wait until the following year’s annual enrollment, unless you have a qualifying life event like a marriage, divorce or birth of a child. If I enroll now, will I be automatically reenrolled in the plan next year? It depends on how your employer sets up annual enrollment. You may need to review all of your selections and reelect coverage, or you may be automatically reenrolled in your current selections. Be sure to review your enrollment instructions and connect with your benefits representative if you have questions. Once I’m enrolled, how will I file a claim? You’ll have access to a user-friendly online portal where you can submit claims in just a few minutes. And if you have other group coverage with Symetra, we’ll automatically check to see if you’re eligible for additional benefits. Don’t miss your opportunity to enroll in this valuable coverage. To get started, review your enrollment materials or talk to your benefits representative. Why Symetra? Symetra provides employee benefits, life insurance and annuities that have helped people live with financial security and confidence for more than 65 years. We’re committed to providing value to our customers, supporting our communities, providing a great place to work for our employees, and promoting diversity, equity and inclusion in everything we do. To learn more about our company, products and services, visit www.symetra.com . Fixed-Payment Indemnity policies (also known as “hospital Indemnity policies”), insured by Symetra Life Insurance Company (est. 1957), 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in all U.S. states or any U.S. territory. They are designed to provide benefits at a preselected, fixed dollar amount. They are not a replacement for major medical or other comprehensive coverage, and do not satisfy the minimum essential coverage requirements of the Affordable Care Act. Base certificate form number is SBC-01505 6/20. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your benefits representative. 1 The child(ren) will need to be enrolled afterward in order for coverage to continue. The number of days may vary by state. 2 This plan is designed to be compatible with health savings accounts (HSAs). Please consult with a tax professional and/or your benefits representative to determine which supplemental benefits may be used with an HSA. 3 “Americans’ Challenges with Health Care Costs,” KFF, April 30, 2026. 4 “Employer Health Benefits 2025 Annual Survey,” KFF, October 2025. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company.