8-K: FOXO Subsidiary Myrtle Recovery Centers Honored by RHA

FOXO Technologies Inc.'s behavioral health subsidiary, Myrtle Recovery Centers, received recognition from the Rural Health Association of Tennessee for its outstanding community impact.

Summary

• FOXO Technologies Inc. announced that its behavioral health subsidiary, Myrtle Recovery Centers, was recognized by the Rural Health Association of Tennessee (RHA) at their Annual Conference Awards Luncheon on December 9, 2025.
• Myrtle Recovery Centers was honored for its ongoing engagement, willingness to share lessons learned, and its service to communities across Tennessee.
• The recognition follows Myrtle's celebration of two years of accepting patients in August, during which it served individuals from 63 of Tennessee's 95 counties.
• Myrtle Recovery Centers has been operating at capacity for most of 2025 and plans to increase its capacity and footprint with additional facilities in the coming years.

Sentiment

Score: 8

Explanation: The filing reports a significant award for a key subsidiary, indicating strong operational success and positive community impact. Management's comments suggest future growth and expansion plans, which are positive indicators. While general forward-looking risks are mentioned, no specific negative financial or operational news is present.

Positives

• Myrtle Recovery Centers received significant recognition from the Rural Health Association of Tennessee for its outstanding community impact.
• The subsidiary has successfully served individuals from 63 of Tennessee's 95 counties, demonstrating broad reach and addressing a statewide need for recovery-focused care.
• Myrtle Recovery Centers has been operating at full capacity for most of 2025, indicating high demand for its inpatient and outpatient services.
• Management plans to expand capacity and footprint with additional facilities in the coming years, suggesting future growth and increased service availability.
• The recognition affirms the essential role Myrtle plays in addressing behavioral health needs in rural communities and supports FOXO's business growth strategy of replicating Myrtle's operating and care model.

Risks

• Changes in the competitive and highly regulated industries in which FOXO operates.
• Variations in operating performance across competitors or changes in laws and regulations affecting FOXO's business.
• The ability to implement FOXO's business plans, forecasts, and other expectations.
• The ability to obtain financing.
• FOXO has a history of losses and may not achieve or maintain profitability in the future.
• The enforceability of FOXO's intellectual property, including its patents, and the potential infringement on the intellectual property rights of others.
• The risk of downturns and a changing regulatory landscape in the highly competitive industries in which FOXO operates.

Future Outlook

Management intends to increase Myrtle Recovery Centers' capacity and footprint with additional facilities in the coming years, supporting FOXO's broader strategy of replicating Myrtle's successful operating and care model throughout Tennessee.

Management Comments

• "This acknowledgment from RHA is deeply meaningful to our team. It reinforces the importance of expanding access to treatment in rural communities and is evidence of the results we are achieving with our treatment plan at Myrtle. We have been operating at capacity now for most of 2025 and look forward to increasing our capacity and footprint with additional facilities in the coming years." Robert Merritt, Chief Executive Officer of Myrtle Recovery Centers.
• "We are extremely proud of Myrtle and the impact it continues to make throughout Tennessee. This recognition affirms the essential role Myrtle plays in addressing behavioral health needs in rural communities and supports the business growth strategy of replicating Myrtles operating and care model throughout Tennessee." Seamus Lagan, Chief Executive Officer of FOXO Technologies Inc.

Industry Context

This announcement highlights the critical and growing need for accessible behavioral health and substance use disorder treatment, particularly in rural communities. Myrtle Recovery Centers' success in serving a wide range of Tennessee counties and operating at capacity reflects a broader trend of increasing demand for such services, often underserved in non-urban areas. The recognition from the Rural Health Association of Tennessee underscores the importance of specialized care models that can effectively reach and support these populations.

Comparison to Industry Standards

• Myrtle Recovery Centers' achievement of operating at capacity for most of 2025 and serving individuals from 63 of Tennessee's 95 counties demonstrates strong operational performance and significant community penetration, which can be challenging for healthcare providers in rural settings.
• The recognition by the Rural Health Association of Tennessee suggests that Myrtle's model is considered exemplary within the rural health sector, potentially setting a benchmark for effective community engagement and service delivery in behavioral health.
• While specific comparable companies or projects are not detailed in the filing, the emphasis on expanding access to treatment in rural communities aligns with national efforts to address healthcare disparities, such as those championed by organizations like the National Rural Health Association or federal programs aimed at increasing rural healthcare access.

Stakeholder Impact

• Shareholders: Positive impact due to enhanced reputation, potential for future growth from a successful subsidiary, and validation of the business strategy.
• Employees: Recognition can boost morale and validate their efforts in providing critical services, potentially aiding in talent retention and recruitment.
• Customers (Patients): Continued and expanded access to much-needed behavioral health and substance use disorder treatment, especially in underserved rural areas.
• Communities: Improved access to healthcare services and a positive impact on public health in Tennessee, fostering stronger community relations.

Next Steps

• Increase capacity and footprint with additional facilities for Myrtle Recovery Centers in the coming years.
• Replicate Myrtle's operating and care model throughout Tennessee as part of FOXO's business growth strategy.

Key Dates

Recommendation

The recognition of Myrtle Recovery Centers by the Rural Health Association of Tennessee, coupled with its sustained operational capacity and plans for expansion, signals strong underlying demand and effective service delivery in a critical healthcare segment. This positive operational momentum, if successfully replicated and expanded as management intends, could drive significant future growth for FOXO Technologies. While the company operates in competitive and regulated industries with a history of losses, the current news indicates a successful and growing segment of its business, making it an attractive prospect for long-term growth investors, especially given the unmet demand in rural behavioral health.

Keywords

FOXO Technologies, Myrtle Recovery Centers, Rural Health Association of Tennessee, RHA, behavioral health, substance use disorder, community impact, healthcare, Tennessee, rural healthcare, OTC: FOXO