Your health plan plus a health savings account YOUR CIGNA CHOICE FUND ® HEALTH SAVINGS ACCOUNT OBERLIN COLLEGE /15

2 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna but you don’t need to go it You go the extra mile to be healthy alone. With your Cigna Choice Fund ® Health Savings Account, we’re with you all the way – in sickness and in health.

Cigna Choice Fund ® Health Savings Account (HSA) Health plan: [Open Access Plus (OAP)] Deductibles: $2,000 individual $3,000 employee +1 $4,000 family Preventive care*: Covered at 100% in-network [Pharmacy**: 20% generic 20% preferred brand 20% non-preferred brand ) * Some preventive services may not be covered under your plan. For example, immunizations for travel are generally not covered. Other non-covered preventive services/supplies may include any service or device that is not medically necessary or services/supplies that are unproven (experimental or investigational). See your enrollment materials for details. ** Health benefit plans vary, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy and medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may be required to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered, or reimbursement may be limited by your plan’s copayment, coinsurance or deductible requirements. See your enrollment materials for details. 3 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

A tax-advantaged Health Savings Account provides coverage for current health care expenses with the option to save for future health care expenses Combines a qualified high-deductible medical plan (medical/pharmacy coverage) with a Health Savings Account You, your employer, or both, can contribute to the Health Savings Account which is owned by you Money put in the Health Savings Account is generally not taxable* You have investment options with the Health Savings Account Health savings plan and you + = Qualified high deductible medical plan Tax- advantaged HSA plan Health Savings Account * HSA contributions and earnings are not subject to federal taxes and not subject to state taxes in most states. A few states do not allow pretax treatment of contributions or earnings. Please consult your personal tax advisor or contact your plan administrator for information about your state. 4 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

HSA DEDUCTIBLE OUT-OF-POCKET MAXIMUM IN-NETWORK $1000 YOU $ PLAN 80% YOU 20% + $4,000 * PLAN [100]% ALL EXPENSES *Includes deductible. Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials. IN-NETWORK PREVENTIVE CARE IS COVERED BY THE PLAN AT [100%] Make the most of your HSA – Employee Only Contributions (from you or your employer) can be used to pay for qualified health expenses or saved to pay for future health expenses $ Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

HSA DEDUCTIBLE OUT-OF-POCKET MAXIMUM IN-NETWORK $1,500 YOU $ PLAN 80% YOU 20% + $6,000 * PLAN [100]% ALL EXPENSES *Includes deductible. Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials. IN-NETWORK PREVENTIVE CARE IS COVERED BY THE PLAN AT [100%] Make the most of your HSA – Employee + 1 Contributions (from you or your employer) can be used to pay for qualified health expenses or saved to pay for future health expenses $1,500 6 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

HSA DEDUCTIBLE OUT-OF-POCKET MAXIMUM IN-NETWORK $2,000 YOU $4,000 + PLAN 80% YOU 20% + $8,000 PLAN [100]% ALL EXPENSES *Includes deductible. Your out-of-pocket costs may exceed the amount shown if you choose to receive care out-of-network. All plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials. IN-NETWORK PREVENTIVE CARE IS COVERED BY THE PLAN AT [100%] Make the most of your HSA – Family Contributions (from you or your employer) can be used to pay for qualified health expenses or saved to pay for future health expenses $2,000 7 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Because HSA plans have certain tax advantages, the IRS defines specific rules for participation. To be eligible, you: Must be enrolled in an IRS-qualified high-deductible medical plan (high-deductible medical plans offered with Cigna Choice Fund ® HSA meet IRS requirements) Cannot have any other health coverage –Not covered by spouse’s medical or pharmacy plan –Not covered through Medicare Part A or Part B –Not covered through a general-purpose Flexible Spending Account (FSA) plan (either employer’s or spouse’s) Cannot be claimed as a dependent on another person’s tax return Are you eligible to participate? 8 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

The IRS has set the following limits for 2016: Under age 55 and not enrolled in Medicare (based on a 12-month period): Up to [$3,350]/[$3,350] individual coverage* Up to [$6,750]/[$6,750] family coverage* Age 55 or older: Maximum contribution increases by $1,000 (considered a “catch-up” contribution) Up to [$4,350]/[$4,350] individual coverage* Up to [$7,650]/[$7,750] family coverage* To make the maximum contribution in a calendar year, you must: Meet all requirements to be eligible for HSA contributions on January 1 Remain qualified through December 1 If these criteria are not met, maximum contribution is prorated = if 1/12 maximum contribution for each month then individual is qualified Your HSA maximum contribution *Contributions to your HSA that you receive from your employer and incentives count toward your maximum. 9 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

How your medical claims are paid You can log in to myCigna.com to build an on- demand health statement. You can customize your statement view according to: date range, claim type, transaction type, family member/self and more. Cigna provides an explanation of benefits or EOB (“receipt”) showing: doctor’s fee, Cigna discount, amount billed by the health care plan, amount paid to doctor and what you saved. Sick visit to an in-network doctor/hospital/ facility – receive discounted rate for Cigna plan. If not, you have the option to pay the doctor bill using your HSA (debit card/ checkbook/online bill pay/fund transfer) or pay out of pocket. If you opt to have your claims displayed on the HSA Bank site, you can then elect to have all or some of your claims paid directly from your HSA. Cigna receives the claim from doctor and processes it based on the HSA-qualified plan deductible, covered expenses and Cigna-negotiated discounts. 10 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Helping you understand and track your health care expenses Explanation of benefits (EOB) Clearly shows how and when claims were paid Receive them in the mail or electronically depending on your preferences Available online at myCigna.com with alerts once each claim is processed Online health statement Available on myCigna.com, you can get an exact snapshot of the information that you want – in real time, on-demand and online Customize your statement view according to: date range, claim type, transaction type, family member/self and more It’s easy to print and save each statement you create to your computer 11 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

One toll-free number – on the back of the ID card and debit card Medical [and pharmacy] benefits and claims HSA IRS requirements HSA transaction activity and balance Live transfer to HSA Bank for investment questions Help with tools and resources on myCigna.com Helping you understand and track your health care expenses 24/7 customer phone assistance 12 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Your 24/7 online health account management Review your plan coverage Check available balances Track claims and payments Get HSA bank account information Manage investment accounts via link to HSA Bank Helping you understand and track your health care expenses 13 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Planning for your medical expenses Cigna Choice Fund with HSA EmployeeEmployee+1Family Deductible$2,000/$4,000$3,000/$6,000$4,000/$8,000 Out-of-pocket maximum $4,000/$8,000$6,000/$12,000$8,000/$16,000 HSA contribution from employer Up to $1,000Up to $1,500Up to $2,000 Lifetime maximumUnlimited *If you choose to receive care outside of your plan’s network, only covered expenses will be applied to your deductible – subject to your plan’s Maximum Reimbursable Charge provisions. See your enrollment materials for more information about costs and details about covered and non-covered services, including plan exclusions and limitations. 14 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Planning for your prescription expenses Cigna Choice Fund with HSA In-network Retail (30-day supply) Home delivery (90-day supply) Generic20% after deductible* Cigna-preferred brand 20% after deductible Non-preferred brand 20% after deductible [Out-of-network]Not Covered *Preventive Generic Drugs are covered at 100% not subject to the plan deductible This chart shows the amounts you’ll pay for covered services after your plan deductible has been met. 15 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

This is an example used for illustrative purposes only. Single, in her 50s Heart disease; controlling health through medication Looking to save money for future health expenses meet Karen HSA EMPLOYER $1,000 KAREN $1,500 $ PLAN 80% KAREN 20% + PLAN 100% IN-NETWORK PREVENTIVE CARE IS COVERED BY THE PLAN AT 100% $1, % plan:$ % Karen: $ Deductible: –$2,000 TOTAL EXPENSES Preventive care$ ER visit PCP visits Generic Rx Brand Rx TOTAL3, % covered– Karen’s deductible – %Plan– % Karen– BALANCE DUE0.00 $ HSA BALANCE 20% Karen: – Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Find a doctor, hospital or other health facility whenever you need one, online, by phone or on the go with the myCigna Mobile App* Access to emergency care 24 hours a day, inside or out of the network Talk with a health advocate who can help you make decisions about your treatment Avoid the emergency room for minor injuries – your plan’s network includes urgent care facilities and retail clinics Talk with a pharmacist anytime – day or night Help, when and where you need it *The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply. 17 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Quality ratings help you compare doctors and hospitals. Helping you get quality care Online resources help you research information about your drug, including possible dangerous drug interactions. Alerts are sent to you and your doctor if we see or anticipate possible gaps in care, for example missed tests, along with tips to help you manage your care. You may also get prescription drug cost saving alerts sent to your home Our case managers work with your doctor to help them develop a complete care plan if you are hospitalized with a serious illness or injury. 18 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

When you choose to see doctors or other health care professionals who participate in the Cigna network, your costs will be lower and your plan will pay a larger share of any covered charges. Information to make smart choices Find cost estimates for common medical procedures and treatments or find prescription drug alternatives and pharmacies that better fit your budget on myCigna.com. You can get estimates for certain procedures from in-network health care professionals and facilities on myCigna.com. It’ll show your plan discounts, deductibles and other account balances to give you a good sense of your actual out-of-pocket expenses. 19 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

$2,000 minimum in HSA to invest Self directed brokerage option powered by TD Ameritrade (trading fees may apply). Mutual Fund selection option managed by DEVENIR Tax-free growth of interest or investment earnings* For either investment option, integrated, online access to trading, balance information, and much more is available on the HSA Bank website via myCigna.com Your HSA saving and investment features Investments are subject to market fluctuation, investment risk, and possible loss of principal. You are urged to consult a professional financial advisor and tax advisor prior to exercising any investment options. *HSA contributions and earnings are not subject to federal taxes and not subject to state taxes in most states. A few states do not allow pretax treatment of contributions or earnings. Please consult your personal tax advisor or contact your plan administrator for information about your state. 20 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Online coaching programs help you maintain a healthy lifestyle 100% coverage for in-network wellness checkups, immunizations and preventive screenings* A personal health advocate can help you prepare for office visits, improve your lifestyle and reduce your health risks, explore and choose treatment options, and answer questions about health and coverage Healthy pregnancy education programs with the March of Dimes  helps every baby get a healthy start Programs to help you better manage stress, quit tobacco or lose weight Help, to keep you healthy * Some preventive services may not be covered under your plan. For example, immunizations for travel are generally not covered. Other non-covered preventive services/supplies may include any service or device that is not medically necessary or services/supplies that are unproven (experimental or investigational). See your enrollment materials for details. **Healthy Rewards is a discount program and is separate from your medical benefits. If your plan includes coverage for any of the services offered through Healthy Rewards, this program is in addition to, not instead of, your plan benefits. Some Healthy Rewards programs are not available in all states and may be discontinued at any time. A discount program is NOT insurance, and you must pay the entire discounted charge. 21 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Help with your medication Easily refill drug orders, track shipments and get in touch with a pharmacist at any time with Cigna Home Delivery Pharmacy including our Specialty Pharmacy for people with complex conditions that may require injectable drugs. Compare real-time drug prices specific to your plan with our Prescription Drug Price Quote Tool to see if there is a lower-cost option. ] Get reminders take your medications as prescribed by your doctor – by text, or phone. We can also work with you to manage side effects. CoachRx offers medication coaching from a licensed pharmacist to answer your questions and to help you understand and control drug interactions and side effects. TheraCare ® program gives you access to health coaches who can help guide you if you’re dealing with complex conditions that require a Specialty Pharmacy. Help for serious health conditions 22 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Once registered on myCigna.com you can log in anytime, anywhere to: View ID card information and print temporary cards Check your coverage and explanation of benefits Manage and track claims Sign up for online coaching programs Keep track of your health history and records with an online personal health record Find in-network doctors, specialists, hospitals and labs Learn about common health problems and treatment options Find cost and quality ratings for doctors and hospitals Refill your prescription drugs online and check order status with Cigna Home Delivery Pharmacy SM Make myCigna your personal health place No claim forms needed in-network Talk with a health specialist when you can’t reach your doctor – day or night 23 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna Download the myCigna Mobile App* for easy access on the go! *The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply.

Visit myCignaPlans.com to review benefit details and choose the best plan for you. –User ID: Oberlin2016 –Password: cigna (all lower case) Open enrollment 10/7/2015 through 11/4/2015 Enrolling. How we can help you. NOTE TO PRESENTER: Customize for your client’s specific enrollment methods. 24 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Enrolling. How we can help you. Plan and cost comparison tool on myCignaPlans.com Compare potential out-of-pocket costs of various Cigna health plans offered. Supports your decisions and helps you learn about the plan. 25 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Your enrollment choice must be submitted by 11/4/2015. This is one of the most important decisions you’ll make this year. This checklist will help you choose wisely: Think about your health history and health care needs. How much do you spend, on average, for health care? How might that change in the upcoming year? Check the online directory on Cigna.com to see if your doctor participates in the plan’s network. Review your Summary of Benefits for specific plan details. Look to see if you can save money by earning incentives for taking certain actions to improve your health Enrollment checklist. 26 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna

Rates will vary by plan design including the amount of plan deductibles, coinsurance, and out-of-pocket and lifetime maximums. All health insurance policies and health benefit plans have exclusions and limitations. For costs and details of coverage, see your enrollment materials. The information in this presentation summarizes the highlights of your plan. For a complete list of both covered and not covered services, including benefits required by your state, see your employer’s group insurance certificate, summary plan description or group service agreement – the official plan documents. If there are any differences between the information in this presentation and the plan documents, the information in the plan documents takes precedence. Health care professionals who participate in Cigna’s network are independent contractors solely responsible for the treatment provided and are not agents of Cigna. The HSA provider and/or trustee/custodian is responsible for all HSA services, transactions and related activities. Cigna and your employer are not responsible for any aspects of the HSA services, administration or operation. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC), Connecticut General Life Insurance Company (CGLIC), Tel-Drug, Inc., Tel-Drug of Pennsylvania, L.L.C., Cigna Onsite Health, LLC, Cigna Behavioral Health, Inc., and Cigna Health Management, Inc. “Cigna Home Delivery Pharmacy” refers to Tel- Drug, Inc. and Tel-Drug of Pennsylvania, L.L.C. In Texas, Open Access Plus plans are considered Preferred Provider plans with certain managed care features and Open Access Plus IN plans are considered Exclusive Provider plans with certain managed care features. OK Policy Forms: HP-APP-1 et al (CHLIC); GM6000 C1 et al (CGLIC). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All models are used for illustrative purposes only /15 © 2015 Cigna. Some content provided under license.