2. Instructions: To watch the presentation, select slide show in the menu above. Then choose “From Beginning,” hit enter and the presentation will begin to play automatically. Be sure to have your volume on. Part 2 and 3 are also available on yourkrogerbenefits.com in the Open Enrollment Center.

3. Open Enrollment October 26-November 13, 2015 Make the Most of Your Benefits Part 2 of 3

4. – $200 emergency room co-pay – HSA family contribution: $6,750 – HMO deductible and out-of-pocket maximum increasing – Target Price Program expanding – Specialty drug coverage – Medical plan premiums increasing – Dependent and working spouse audits continue Medical and Prescription Plans: What’s Changing

5. Medical and Prescription Plans: Which Plan is Right for You Deductible $850 associate $1,700 family $1,500 associate $3,000 family $2,500 associate $5,000 family $4,000 associate $8,000 family Annual Out-of-Pocket Maximum Type of Account Incentive Health Savings Account (HSA) PPO Incentive HSA Plan1 HSA Plan2 Prescription Not subject to the deductible Deductible applies Premium Costs the mostCosts less Costs the least HMOs are available in certain locations

6. Medical and Prescription Plans: Which Plan is Right for You Funded By Kroger: - $400 associate - $800 family Kroger: - Up to $650 associate -Up to $1,300 family Incentive and matching contributions You: Up to IRS limits Kroger: -Up to $900 associate -Up to $1,800 family Incentive and matching contributions You: Up to IRS limits Money Rolls over year to year (up to the in-network deductible amount) Rolls over year to year Rolls over year to year When End Coverage Lose it Goes with you Other Benefits Triple-tax savings Investment option Always yours PPO Incentive HSA Plan1 HSA Plan2

7. Compare Your Plan Choices Medical Plan Cost Estimator yourkrogerbenefits.com

8. Make the Most of Your Medical Plan – Preventive care covered 100% – In-network providers – Target Price Program – Castlight – The Little Clinic – Best Doctors – Centers of Excellence yourkrogerbenefits.com

9. Dental: Which Plan is Right for You 100%90% Preventive Care Premier Standard Basic Care 80%70% Major Care 60%50% Orthodontia Coverage YesNo

10. – More in-network providers – Allowance for frames and elective contacts increasing to $150 – Allowance for featured frames (name brands you love) increasing to up to $170. Vision: What’s Changing

11. Flexible Spending Accounts (FSAs) Up to $2,500 annually Up to $5,000 annually per household Associate Contribution Pre-tax Yes Health Care FSA Dependent Care FSA Eligible Expenses Medical, prescription, dental and vision Day care for your child or other dependent Use it by March 15, 2017 Use it by Dec. 31, 2016 Plan Carefully Submit reimbursements by April 30, 2017 Deadline

12. I Can Do That! Review and Enroll Check Out Your Total Rewards Statement Schedule a Checkup Maximize Your Health Care Dollars

13. Click here to watch the video.