b'Benefits for 2022Legal NoticesWhen Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?You should also know that if you drop or lose your current coverage with The Enterprise and dont join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteenmonths without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may haveto wait until the following October to join.For More Information About This Notice Or Your Current Prescription DrugCoverageContact the person listed below for further. NOTE: Youll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through The Enterprise changes. You also may request a copy of this notice at any time.For More Information About Your Options Under Medicare Prescription DrugCoverageMore detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. Youll get a copy of the handbook in the mail every year fromMedicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: Visit www.medicare.gov Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the Medicare & You handbook for their telephone number) for personalized help Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web atwww.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty). Myra EbarbDirector of People & Perks3663 Woodward AveSte 500Detroit, MI 48201313-481-82952022 Employee Benefit Guide This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance35carrier or providers contract.'