Employee Benefits Open Enrollment 2017

Agenda Employee Benefits Update 2017 Medical Plans 2017 Ancillary Benefit Plans Additional Benefits Next Steps

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Healthcare Cost Management What is exp doing to help manage rising healthcare costs? Exp has designed a program that provides a comprehensive level of benefits that promotes wellness and offers choices to our employees Exp currently pays a large portion of health care coverage premiums for eligible employees and dependents Exp offers tools and incentives to empower members to be responsible healthcare consumers 3

2017 Open Enrollment There will be no changes in the benefit plans. Exp will continue to offer Medical/Rx plans; administered by United Healthcare. Payroll deductions will increase slightly = 4% Exp will continue to offer Dental, Vision, Life and AD&D, Short-term and Long-term Disability; administered by Guardian.

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What Can You Do? Become better healthcare consumers Be proactive with your health – get your annual exams and preventive screenings Go to your doctor or a convenience care clinic when ill; don’t wait Complete an online Health Risk Assessment Use urgent care for non-emergencies instead of the emergency room, or try Virtual Visits. Use generic medications when possible Follow Rx dosage instructions 5

2017 Benefit Overview Carrier

Coverage

United Healthcare

Medical, Prescription Drugs

Guardian

Dental, Vision, Life and AD&D, Shortterm and Long-term Disability

Trustmark

Accident and Critical Illness Plans

Allstate

Cancer Plans

myCafeteriaPlan

Flexible Spending Accounts and Health Reimbursement Accounts

Health Advocate

Assists employees and families navigate the healthcare system

Guardian

Employee Assistance Program

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United Healthcare Medical Options Medical Plan United Healthcare will continue to be the national insurance carrier for exp, with the exception of employees in Alaska. All of the plans will remain the same for 2017. You will have 3 options to choose from: The Choice Plan offers in-network benefits with co-pays at the physician’s office and pharmacy. The Choice Plus Plan offers in and out-of-network benefits with copays at the physician’s office and pharmacy. The HRA Plan is a high deductible in-network only health plan that offers a Health Reimbursement Account.

Preventive is covered at 100% with no co-pays on all plans.

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CHOICE PLAN TYPE OF SERVICE

YOU PAY:

Primary Care/Specialist office visit:

$15/$40

Virtual Visit

$25

In-patient hospital care:

20% after deductible

Out-patient hospital care:

20% after deductible

Emergency room:

$250 (any ER)

Urgent Care:

$75

Lab and x-ray:

Covered in full

Scans and Therapies

20% after deductible

Deductible (Individual/Family)

$750/$1,500 per year

Out-of-Pocket (includes deductible)

$3,750/$7,500 per year

Lifetime Maximum

Unlimited

Prescription Drugs (Retail)

$10 Tier 1/$35 Tier 2/$70 Tier 3

Mail Order (90 day supply)

2.5x Retail

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CHOICE PLUS PLAN TYPE OF SERVICE Primary Care/Specialist office visit: Virtual Visit In-patient hospital care Out-patient hospital care Emergency room Urgent Care Lab and x-ray Scans and Therapies Deductible (Individual/Family) Out-of-Pocket (includes deductible) Lifetime Maximum Prescription Drug(Retail) Mail Order (90 day supply) Out of network coinsurance

YOU PAY: $15/$40 $15 20% after deductible 20% after deductible $250 (any ER) $75 100% covered 20% after deductible $500/$1,000 in-network; $2,000/$4,000 out-of-network $3,500/$7,000 in-network; $5,000/$10,000 out-of-network Unlimited $10 Tier 1/$35 Tier 2/$70 Tier 3 2.5x Retail 40% after deductible

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CHOICE HRA PLAN TYPE OF SERVICE

YOU PAY:

Primary Care/Specialist office visit: $25/$50 Virtual Visit **NEW** $25 In-patient hospital care: 20% after deductible Out-patient hospital care: 20% after deductible Emergency room: $250(any ER) Urgent Care: $75 Lab and x-ray: Covered in full Scans and Therapies: 20% after deductible Deductible (Individual/Family) $2,000/$4,000 Out-of-Pocket Maximum (includes deductible) $4,500/$9,000 Lifetime Maximum Unlimited Prescription Drugs (Retail) $10 Tier 1/$35 Tier/ $70 Tier 3 Mail Order (90 day supply) 2.5x Retail

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Health Reimbursement Account Exp is offering employees a Health Reimbursement Account (HRA) on the high deductible plan option only to help offset the costs associated with out of pocket expenses. The company will be adding an annual contribution of $500 automatically to your HRA on January 1. You can use this money for co-pays, deductibles, or other out of pocket costs associated with qualified medical, dental, or vision expenses. You will receive a debit card to access the money. You are able to earn an additional $500 one time contribution into your HRA fund. Each employee that completes an on-line Health Risk Assessment will be eligible for an additional $500 contribution to the HRA. Spouses and dependents can use Health Reimbursement Account (HRA) funds only if they are enrolled in a health plan that meets the minimum standards of the ACA (either with exp or elsewhere). Spouses and dependents with no proper health insurance coverage will not qualify for HRA use. HRA funds do not roll-over into next plan year. Unused HRA funds will be forfeited at the end of the plan year. If you elect the Healthcare FSA also, your HRA funds will be used first. 11

Health Risk Assessment with As a United Healthcare member, you have access to Rally at no additional charge. The Rally Health Risk Assessment is the first step and provides you with an individual wellness score that measures your overall health, will take about 20 minutes to complete, and includes 50 standard lifestyle questions. The Assessment is confidential, and you only need to complete the Assessment, not achieve a certain score. To start the Health Risk Assessment, you will need to set up an account at www.myuhc.com. w.myuhc.com No need to submit proof upon completion, balances to the HRA will automatically be credited the additional $500 on a monthly basis. 12

Scans and Therapies Scans and Therapies are major diagnostic services such as MRI, CT Scan, PET Scan, MRA and Nuclear Medicine. They are typically performed at a hospital or out-patient center, and sometimes in a doctor’s office. They can cost several hundred dollars or more (if innetwork, more if out-of-network.) Use the Treatment Cost Estimator on myUHC.com to determine what your cost will be. Regardless of where the test is done, the benefits are subject to Deductible, then Coinsurance, even if performed in a doctor’s office (“Covered” does not mean “Paid at 100%.”) ## 13

Saving money on Prescriptions Mail Order Prescription Benefits: You can order a 3 month supply of medicine to be shipped to you for only the cost of 2.5 co-pays. This saves you time and money for medicines you take on a routine basis. Generic Medications: Several pharmacies now offer special prescription programs, including $4 generic drugs and free antibiotics. Generic drugs contain the same active ingredients and are available in the same strength and dosage form as their brandname counterparts but could cost up to 50% less. Ask your physician if they have ‘copay assistance cards’ from manufacturers for the brand name drugs you are taking. These copay cards can offset your cost when used in conjunction with your UHC insurance card! 14

myUHC.com Look up network doctors / hospitals Estimate costs Track claims status Health improvement program Personal Health Record Health product discounts Review plan details

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Health Advocate Information & Service Support •Assist with eldercare issues •Obtain health information to help make informed decisions •Assist with finding qualified wellness programs •Help arrange transportation

Clinical Services •Find qualified healthcare providers •Schedule appointments •Locate and research the newest treatments •Assist with complex medical condition •Assist with understanding test results

Administrative Services

Health Coaching •Obtain unbiased health information •Help prepare patients for healthcare appointments •Help members become active participants in their healthcare

You will be assigned a Personal Health Advocate (PHA)

•Navigate within an insurance company •Assist with correcting billing mistakes

24/7 Toll-free telephone support Your privacy is protected 16

Dental Benefits Guardian is the provider for dental insurance. There are 2 plans to choose from: a low and a high PPO option. Please visit www.guardiananytime.com to look up dentists in the network. Dental Insurance - Guardian Life Insurance Company Low Plan You Pay: Deductible waived for preventative Preventive & Diagnostic Services In-Network Covered in Full, no deductible Out-of-Network Covered in Full @ R&C*; no deductible Basic Services In-Network 20% after deductible Out-of-Network 20% after deductible** Major Services In-Network 50% after deductible Out-of-Network 50% after deductible** Orthodontic Services In-Network & Out-of-Network 50% to $1,500 lifetime max, No Deductible Dependent Child Only up to age 19 Calendar Year Deductible Individual / Family In-Network $50/$150 Out-of-Network $50/$150 Annual Maximum Benefit $1,000 Combined In-Network & Out-of-Network Benefit Details

High Plan You Pay: Deductible waived for preventative Covered in Full, no deductible Covered in Full @ R&C*; no deductible 20% after deductible 20% after deductible** 50% after deductible 50% after deductible** 50% to $1,500 lifetime max, No Deductible Dependent Child Only up to age 19 Individual / Family $50/$150 $50/$150 $2,000 Combined

*R&C = Reasonable and Customary: the amount that your health plan determines is the normal range of payment for a specific service within a given geographic area ** Important: When using an out-of-network provider, you may be balanced billed for amounts over the reasonable and customary charges

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Vision Benefits Guardian is the provider for vision insurance, using the Davis Vision network. Please visit www.davisvision.com to look up a provider in the network. Vision Insurance - Guardian Life Insurance Company Choice Plan You Pay:

Benefit Details Benefit Frequency Exams Lenses Frames

Once every 12 months Once every 12 months Once every 24 months

Exam Co-pays In-Network Out-of-Network

$10 Co-pay Up to $50 Allowance

In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network

$25 Co-pay Up to $48 Allowance $25 Co-pay Up to $67 Allowance $25 Co-pay Up to $86 Allowance $25 Co-pay Up to $86 Allowance

In-Network Out-of-Network

$130 Allowance Up to $48 Allowance

In-Network Out-of-Network Medically Necessary: In-Network Out-of-Network

Up to $130 Allowance Up to $105 Allowance $25 Co-pay Up to $210 Allowance

Lenses Co-pay Single Vision: Bifocal: Trifocal: Lenticular: Frames

Contact Lenses Conventional:

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Employee Life and AD&D Insurance Exp provides all full-time employees with Basic Term Life Insurance with Accidental Death & Dismemberment (AD&D.) The benefit amount is 2 times your annual earnings to a maximum of $200,000.

Supplemental Employee Coverage AD&D Coverage included at no additional cost. Elect coverage in units of $10,000. Maximum is the lesser of $500,000 or 5 times basic annual earnings. During your initial enrollment period: Guarantee Issue amount is the lesser of 3 times basic annual earnings or $150,000. If you are already enrolled in EE Supplemental Life, the amount of your life insurance will automatically increase 5% each year, up to 5 years, with premium remaining at the lower elected amount. You do not need to do anything in order for the automatic increase to take effect. If you would like increase the amount of Spouse coverage you currently have OR enroll for the first time, you will need to fill out an Evidence Of Insurability form (available during the enrollment process). 19

Dependent Life Insurance Supplemental Spouse Coverage If you elect Employee Supplemental Life and AD&D Insurance for yourself, you may choose to purchase Spouse Supplemental Life and AD&D Insurance in increments of $5,000, $10,000 minimum to a maximum of $250,000. You may elect up to 100% of the employee’s election for spouse life insurance. For example, if you elect $50k on yourself, you can elect up to $50k on your spouses. During your initial enrollment period: Guarantee Issue amount is $30,000. Spouses’ rate are based on Employee's age bracket. If you would like increase the amount of Spouse coverage you currently have OR enroll for the first time, you will need to fill out an Evidence Of Insurability form (available during the enrollment process).

Children Coverage If you elect Supplemental Life and AD&D Insurance for yourself, you may choose to purchase Child(ren) Supplemental Life and AD&D Insurance in increments of $2,000, $2,000 minimum to a maximum of $10,000 for each child. Eligible Child(ren) are from age 15 days to 26 years.

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Disability Insurance In the event you are out of work due to a short term medical condition, exp provides all eligible employees a Short-Term Disability program through Guardian. This benefit will pay 60% of your weekly earnings to up to a maximum amount for up to 13 weeks. The company also provides Long-Term Disability at no cost to the employees. The LTD benefit covers 60% of your basic monthly earnings up to a maximum should you be unable to work due to nonwork related illness or injury.

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Voluntary Benefits Voluntary benefits provide you with supplemental coverage that strengthens your overall benefits package. The Trustmark Critical Illness Insurance is a benefit that will pay you a lump sum of money if you are diagnosed with a critical illness, heart attack or stroke. The Trustmark Accident insurance is a plan that pays you cash for certain unexpected expenses which result from an accident. The Allstate Cancer Insurance offers a first occurrence benefit that pay cash to you based upon the severity of the cancer diagnosis See the state specific brochure from Allstate and Trustmark for additional details and rates 22

Flexible Spending Account The FSA allows you to put money aside through payroll deductions before taxes are withheld to pay the cost of health care expenses not covered by your medical plan and for the cost of qualified dependent care. By doing so, you reduce your taxable income, which increases your take-home pay. Healthcare FSA – allows you pay for certain IRS-approved medical care expenses not covered under your insurance plan with pre-tax dollars. Please note that the 2017 IRS limit is $2,600 annually. Dependent Care FSA – allows you use pre-tax dollars towards qualified dependent care expenses. Adoption Assistance FSA – provides tax break for adoption expenses. Qualified Transportation Plan – allows you to set aside pre-tax funds to be used for transportation and commuter parking expenses for travel to and from work. 23

Important Information for Flexible Spending Accounts You must make an election to enroll in the 2017 FSA programs, as this benefit will not roll over into the new plan year. If you have any HealthCare FSA funds from 2016 left over, you may roll up to $500 into the 2017 plan year. This will automatically occur for you, no action is needed on your end. Please remember that these accounts have a “use it or lose it” rule, so make sure you use the money in your account by the deadlines. Only $500 can be rolled over from 2016 to 2017. 2017 Maximum Contributions Medical FSA

$2,600 annually

Dependent Care FSA

$5,000 if you are married and filing a joint tax return, or $2,500 if you are married and file separate returns

Adoption Assistance FSA

$13,460 annually

Transit Account

$255 monthly

Parking Account

$255 monthly

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MyCafeteriaPlan.com My Cafeteria Plan manages the FSA/ HRA accounts You will receive a “Benny Card” in the mail soon after January 1st. If you are already enrolled, you will keep the same debit card that you have and money will be added to this card for the new plan year. You may go online to check your balances and account activity at http://myaccount.mycafeteriaplan.com If you have questions or need assistance, please see Human Resource Manager, Mary Beth Pfaller, at +1.312.616.7445 or by email at [email protected]

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Enrollment Process You will be enrolling via a self-service online enrollment system, EMB Enroll. The online system can be accessed from any computer with internet access. If you are making changes to your current benefits, you will need to log onto the EMB Enroll site and complete the process. If you do not enroll, your current benefits will roll over into the same plan you are already enrolled in (except FSA). Any amounts up to $500 in your 2016 Healthcare FSA will roll over into 2017. If you want to enroll into the FSA, you will need to make an election. Your 2015 Election amounts will not rollover. If you don't make an election you will have a zero election amount. Please see your enrollment guide for the instructions on how to log in and use the online enrollment system to complete your enrollment. 26

Next Steps Please review your benefit guide and carrier summaries. Please make sure to have the necessary dependent information (birth date, social security numbers) if you are enrolling dependents to any of the plans for the first time. Select your benefits carefully. The only changes that can be made mid-year are for life events such as marriage, divorce, birth or adoption, death, or a reduction in hours from full-time to part-time. Review and update Life Insurance beneficiary information. If you are enrolling in Voluntary Life or increasing your coverage amount, be sure you fill out the Evidence of Insurability (EOI) form. Notify Human Resources within 30 days of having a life event in order to make any changes. Should you have any questions, do not hesitate to contact exp’s Human Resource Specialist, Dana Felix, at +1.312.616.7410 or by email at [email protected]. 27