1. 2015 Benefits Info for Newly Eligible Employees

2. Topics for Discussion Medical Aetna HSA KeySolution MVP Next Steps / Forms McGohan Brabender Customer Care RetireMEDiQ

3. Aetna Medical HSA Plan In-NetworkNon-Network Deductible $2,750 / $5,500 Embedded, Calendar Year $5,000 / $10,000 Embedded, Calendar Year Coinsurance80% / 20%50% / 50% Out-of-Pocket Maximum$4,000 / $8,000$12,000 / $24,000 Office VisitDeducible & Coinsurance Preventive CareCovered in FullDeductible & Coinsurance Emergency Room Co-payDeducible & CoinsuranceCovered as Network Benefit Urgent Care Co-payDeducible & CoinsuranceDeductible & Coinsurance Retail Pharmacy (30 day supply) Deductible Applies $10 (Preferred Generic) $40 (Preferred Brand) $60 (Non-Preferred) 30% ($250 max Preferred Specialty) Deductible Applies $10 (Preferred Generic) $40 (Preferred Brand) $60 (Non-Preferred) Specialty Not Covered Mail Order Pharmacy (90 day supply) Deductible Applies $20 (Preferred Generic) $80 (Preferred Brand) $120 (Non-Preferred) Not Covered

4. KeySolution MVP Plan In-Network Deductible $0 / $0 Calendar Year Coinsurance100% Out-of-Pocket Maximum$1,850 / $12,700 Office Visit $15 Copay Primary Care $25 Copay Specialists Preventive CareCovered in Full Emergency Room Co-pay$400 Copay Retail Pharmacy (30 day supply) $15 Copay (Generic) $25 Copay (Preferred) $75 Copay (Non-Preferred) NOTE: This plan does not include hospitalization / hospital care coverage.

5. Medical Monthly Costs Aetna HSAKeySolution MVP Plan Employee$98.80$37.87 Employee + Spouse$762.44$140.54 Employee + Child(ren)$646.53$136.08 Family$1,293.50$244.33

6. Next Steps EVERYONE MUST: Complete the Benefit Election Form NEWLY ENROLLING: Complete the carrier enrollment form WAIVERS: Complete the Aetna waiver form if waiving Aetna coverage ** Turn in forms to HR ASAP

7. McGohan Brabender Customer Care Team Should you encounter issues that you are unable to resolve by contacting the insurance carrier, you may contact our McGohan Brabender Customer Care Team by calling: 937-260-4300 or 1-877-635-5372 or e-mail us at: CustomerService@mcgohanbrabender.com

8. McGohan Brabender - 1-844-388-6565

9. Questions? Thank you!