Dental Insurance Benefit Summary

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392 GP62509-21 1156118 - 10001 Page 1 of 5 02/2026 Policyholder: MedTrust, LLC Group voluntary dental insurance Benefit summary for all members Your coverage renews every October 1 This summary was created on 08/18/2026 and shows benefits available at that time. What's available to me? Dental insurance helps pay for all, or a portion, of the costs associated with dental care, from routine cleanings to root canals. Eligibility Eligible employees All active, full-time employees Calendar-year deductible Coinsurance your policy pays In-network Out-of-network In-network Out-of-network Preventive $0 $0 100% 100% Basic $50 $50 80% 80% Major $50 $50 50% 50% Orthodontia $0 $0 50% 50% Additional provisions Family deductible 3 times the per person deductible amount Combined deductible Your in-network deductiblesfor basic and major services are combined. Your out-of-network deductibles for basic and major are combined. Your services applied to the in-network deductible will apply to the out-of-network deductible and vice versa. Combined maximum Your calendar year maximum for preventive, basic, and major in-network services are combined. Your calendar year maximum for preventive, basic, and major out-of-network services are combined. In-network calendar year maximums are $1,000 per person or out-of-network calendar year maximums are $1,000 per person. Your services applied to the in-network maximum will apply to the out-of-network maximum and vice versa. Orthodontia lifetime maximum $1,500 PPO in-network maximum / $1,500 PPO out-of-network maximum Maximum accumulation Included Plan type Unscheduled

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392 GP62509-21 1156118 - 10001 Page 2 of 5 02/2026 Who can buy coverage? · You may buy coverage if you’re an active, full-time employee. Seasonal, temporary, or contract employees can’t purchase. o If you’re on regularly scheduled day off, holiday, vacation day, jury duty, funeral leave, or personal time off, you’re still considered actively at work, as long as you’re fulfilling your regular duties and were working the day immediately prior to your time off. o You must enroll within 31 days of being eligible. If you don’t, you’ll have to wait until the next open enrollment period, or qualifying event. Additional eligibility requirements may apply. Which procedures are covered, and how often? Preventive Routine exams Twice per calendar year Routine cleanings Twice per calendar year Bitewing X-rays Once per calendar year Full mouth X-rays Once every 36 months Fluoride Twice per calendar year (covered only for dependent children under age 16) Sealants Covered only for dependent children under age 16 once on first and second permanent molars (1 per each 36 months) Basic Emergency exams Twice per calendar year Periodontal maintenance If three months have passed since active surgical periodontal treatment; twice per calendar year Fillings Replacement fillings every 24 months Oral surgery Simple and complex General anesthesia / IV sedation Covered only for specific procedures Simple endodontics Root canal therapy for anterior teeth Complex endodontics Root canal therapy for molar teeth Non-surgical periodontics, including scaling and root planing Once per quadrant per 24 months Periodontal surgical procedures Once per quadrant per 36 months Harmful habit appliance Covered only for dependent children under age 16

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392 GP62509-21 1156118 - 10001 Page 3 of 5 02/2026 Major Crowns Each 60 months per tooth if tooth cannot be restored by a filling Core buildup Each 60 months per tooth Bridges 60 months old (initial placement / replacement) Dentures 60 months old (initial placement / replacement) Repairs Partial denture, bridge, crown, relines, rebasing, tissue conditioning and adjustment to bridge/denture, within policy limitations Orthodontia Coverage For your dependent children. Bands that are placed on a dependent child's teeth before age 19 may be covered. Additional benefits Prevailing charge When you receive care from an out-of-network-provider, benefits will be based on the 99 th percentile of the usual and customary charges. Maximum accumulation Some of your unused annual benefit maximum can be carried over to the next year. To qualify, you must have had a dental service performed within the calendar year and used less than the maximum threshold. The threshold is equal to the lesser of 50% of the out-of-network maximum benefit or $1,000. If the qualification is met, 50% of the threshold is carried over to next year's maximum benefit. Individuals with fourth quarter effective dates will start qualifying for rollover at the beginning of the next calendar year. You can accumulate no more than four times the carry over amount. The entire accumulation amount will be forfeited if no dental service is submitted within a calendar year Periodontal program If you’re pregnant, have diabetes or heart disease, or are menopausal, you may receive scaling and root planing covered at 100% (if dentally necessary), or one additional cleaning (routine or periodontal) subject to deductible and coinsurance. Second opinion program You may be eligible for second opinions from dental providers at 100%. This program makes sure you get the best advice to make an informed decision about your care. Cancer treatment oral health program If you have cancer and are undergoing chemotherapy or head/neck radiation therapy, you may receive up to three fluoride treatments every 12 months covered at 100% plus one additional routine cleaning. General anesthesia program If you have autism, Down syndrome, cerebral palsy, muscular dystrophy, or spina bifida you may receive general anesthesia or intravenous sedation coverage. Services must be administered in a dental office. All other contractual limitations apply.

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392 GP62509-21 1156118 - 10001 Page 4 of 5 02/2026 How do I find a network dentist? When you receive services from a dentist in our network, your cost may be lower. Network dentists agree to lower their fees for dental services and not charge you the difference. You’ll have access to the Principal Plan Dental network, with more than 117,000 dentists nationwide. Visit principal.com/dentist to find a dentist or call 800-247-4695. What if my dentist isn't in the network? You can refer your dentist to our network. Please submit the dentist’s name and information by calling 800-247-4695, or submitting a form at principal.com/refer-dental-provider . What are the limitations and exclusions of my coverage? · Frequency limitations for services are calculated to the month and exact date from the last date of service or placement date. There are additional limitations to your coverage. Please review your booklet for more information. We strongly recommend submitting a predetermination to determine benefits. What are the restrictions of my coverage? Orthodontia If there is orthodontia (ortho) treatment in progress on the coverage effective date and you are covered under any prior group coverage for ortho, there will be immediate coverage for treatment if proof is submitted that shows: 1) The lifetime maximum under any prior group coverage has not been exceeded, 2) Ortho treatment was started and bands or appliances were inserted while insured under any prior group coverage, and 3) Ortho treatment has been continued while insured under this policy. Principal Life will credit payments made by the prior carrier toward the Principal Life lifetime ortho payment limit. You will not be covered if ortho treatment is in progress prior to the effective date with Principal Life and you are not covered under any prior group coverage for ortho. There are additional limitations to your coverage. A complete list is included in your booklet. U 1 P 1 Yes U 1 P 2 No U 2 P 1 Yes U 2 P 2 No U 3 P 1 Yes U 3 P 2 No

principal.com This is a summary of dental coverage insured by or with administrative services provided by Principal Life Insurance Company. This outline is a brief description of your coverage. It is not an insurance contract or a complete statement of the rights, benefits, limitations and exclusions of the coverage. If there is a discrepancy between the policy and this document, the actual policy provision prevails. For complete coverage details, refer to the booklet. © 2026 Principal Financial Services, Inc., Principal, Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group. Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392 GP62509-21 1156118 - 10001 Page 5 of 5 02/2026