2017 Open Enrollment Full-Time Employees

3 Things you Need to Know November 15, 2016 thru November 30, 2016 Full Time Employees Enroll Thru ADP (All Full Time Employees Need to Elect or Waive) Three New Medical Plans

Medical Plans and Deductibles Available

How Much Does the Employer Contribute for each Plan High Deductible Low Deductible Employer Pays 96% of Total Premium Normal Deductible Employer Pays 75% of Total Premium Employer Pays 82% of Total Premium

Semi Monthly Cost -- Utah Low Deductible $500/$1000 Plan Normal Deductible $1500/$3000 Plan High Deductible Health Plan (HDHP) $2600/$5200 Deductible Plan Plus Employer Match to H S A Employer Match For Health Savings Account Single $25/Per Pay Period Two Party/Family $50/Per Pay Period

Semi Monthly Cost –Out of Utah Low Deductible $500/$1000 Plan Normal Deductible $1500/$3000 Plan High Deductible Health Plan (HDHP) $2600/$5200 Deductible Plan Plus Employer Match to H S A Employer Match For Health Savings Account Single $25/Per Pay Period Two Party/Family $50/Per Pay Period

HSA at a glance WHAT is an HSA WHO is eligible HOW it works WHY HSA ◦ A personal tax advantaged savings account ◦ Helps individuals manage current and future health care costs Individuals who: ◦ Are at least 18 years of age ◦ Enrolled in a High Deductible Plan (HDHP) ◦ Cannot be claimed as a dependent on someone else’s tax return ◦ Cannot be enrolled in Medicare ◦ Have no other health coverage, except what is permitted by IRS ◦ Employee, employer or both contribute to health savings accounts ◦ Individual uses the funds to pay for qualified medical costs ◦ Funds roll over from year to year (no use it or lose it) ◦ Pre-tax contributions ◦ Savings grow tax-free ◦ Withdrawals for qualified health care expenses are tax-free

Health Savings Account YOUR CHOICE IN A HEALTH PLAN WILL DETERMINE YOUR OTHER COVERAGE OPTIONS $2600 High Deductible Health Plan (HDHP) $500 Deductible Plan $1500 Deductible Plan Regular Flex Spending Account Can be used for Office Copays and Medical Expenses Health Savings Account (HSA) A personal savings account that can be used for medical expenses and copays also includes an employer match Limited Flex Spending Account Can only be used for Dental Copays and Vision Copays

No Copays Deductibles First $500/$1000 Deductible Plan $1500/$3000 Deductible Plan HDHP $2600/$5200 Deductible Plan Copays Office Visit – $30 After Deductible – 20% Emergency Outpatient – $250 Outpatient Therapy – $30 *Preventative is covered 100% Copays Office Visit – $30 After Deductible – 20% Emergency Outpatient – $250 Outpatient Therapy – $30 *Preventative is covered 100% No Copays Deductibles First Office Visit – You pay 100% After Deductible – 20% Emergency Outpatient – 20% Outpatient Therapy – 20% *Preventative is covered 100% In Network Out-of-Pocket Limit Individual – $4,500 Family – $9,000 In Network Out-of-Pocket Limit Individual – $6,000 Family – $12,000 In Network Out-of-Pocket Limit Individual – $5,200 Family – $10,400

Coverage

Prescription Tier Level Retail Up to a 31-day Supply *Mail Order $500 Deductible Plan $1500 Deductible Plan Prescription Tier Level Retail Up to a 31-day Supply *Mail Order Up to a 90-Day Supply Network Non-Network Tier 1 $15 $37.50 Tier 2 $35 $87.50 Tier 3 $65 $162.50 Tier 4 $100 $250 HDHP $2600 Deductible Plan With the HDHP you will pay 100% of the cost of your prescription drugs until you hit your deductible and then you will pay the copays listed above. *Only certain Prescription Drug Products are available through mail order

Additional Information VIDEO Benefit Guides Corporate Office Benefit Fair Benefit Team to Assist All Full Time Employees Webex

Other Benefits Vision Dental AllState Life Insurance Home and Auto Guarantee Issue at Open Enrollment this year!! Home and Auto 401K CaptionCall Perks

3 Things To Remember November 15, 2016 thru November 30, 2016 Full Time Employees Enroll Thru ADP (All Full Time Employees Need to Elect or Waive) Three New Medical Plans