® HEALTH SAVINGS ACCOUNT Your Health Plan plus a Health Savings Account Davidson College d Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company

HEALTH SAVINGS ACCOUNT (HSA) 2 Open Access Plus: 667,400 doctors/specialists 5,600 hospitals/facilities Deductibles: 2016 $2,600 individual $5,200 family Preventive care: Covered at 100% (in- network) Pharmacy: 2016 Deductible – 20% generic 30% preferred brand 40% non-preferred brand 50% specialty

HEALTH SAVINGS PLAN AND YOU A tax-advantaged health plan that 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 + = 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. 3

HSA DEDUCTIBLE OUT-OF-POCKET MAXIMUM IN-NETWORK $750 YOU $ PLAN 80% YOU 20% + $5500 * PLAN 100% ALL EXPENSES *Includes deductible All plans have exclusions and limitations and some plans have pre-existing condition limitations. Please review your Benefit Summary for more information about what is and is not covered under your plan. PREVENTIVE CARE IS COVERED BY THE PLAN AT 100% Contributions (from you or your employer) can be used to pay for qualified health expenses or saved to pay for future health expenses 4 $1850 Make the Most of Your HSA – Individual 2016

HSA DEDUCTIBLE OUT-OF-POCKET MAXIMUM IN-NETWORK $1500 YOU $ PLAN 80% YOU 20% + $11,000 * ALL EXPENSES *Includes deductible All plans have exclusions and limitations. Please review your Benefit Summary for more information about covered adn not-covered services under your plan. With family coverage, an individual still only has to meet the individual deductible and out-of-pocket. Contributions (from you or your employer) can be used to pay for qualified health expenses or saved to pay for future health expenses 5 PREVENTIVE CARE IS COVERED BY THE PLAN AT 100% PLAN 100% $5200 Make the Most of Your HSA – Family 2016

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 plan offered by Davidson College meets 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? 6

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 individual coverage –Up to $6,750 family coverage Age 55 or older: –Maximum contribution increases by $1,000 (considered a “catch-up” contribution) –Up to $4,350 individual coverage –Up to $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. 7 $

SAVING YOU TIME myCigna.com –Print forms or print/order ID cards –Check your coverage and explanation of benefits –Track claims, payments and deductibles –Sign up for online coaching programs –Keep track of your health history and records with a secure online personal health record –Find in-network doctors, hospitals, specialists and labs –Learn about common health problems and treatment options –Compare treatment and procedure costs –Find cost and quality ratings for doctors and hospitals –Switch a prescription to Cigna Home Delivery Pharmacy with one easy phone call and have your medications delivered to your door 8 No claim forms needed in-network Talk with a trained nurse when you can’t reach your doctor – day or night

® Ways to Save with your HSA Plan MD Live Davidson College d Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company

MDLIVE provides immediate, on-demand 24/7/365 access to affordable, quality non-urgent care through a national network of licensed, board-certified U.S.-based doctors, including pediatricians. 10 Online video consultations Phone consultations communication, post consultation Prescription services (sent directly to a pharmacy) A doctor is always in Health care services are delivered by MDLIVE participating doctors and not by Cigna. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

Step 1: Call toll-free Patient calls toll-free hotline available 24/7/365 including holidays. Step 2: Speak with a coordinator A consultation coordinator locates the next available doctor and prepares patient for the consultation. Step 3: Speak with the doctor Once an available doctor is located, the system automatically calls and connects the doctor to the patient. BY PHONE BY VIDEO CONFERENCE Step 1: Visit website Patient visits website and logs in with username and password. Step 2: Find a doctor System helps the patient search for a doctor by a criteria, such as specialty, language, gender, location, or simply finds the next available doctor. Step 3: See the doctor online Once an available doctor is located, the system automatically connects the doctor to the patient. How it works BY PHONE Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna 11

General health Acne Allergies Bronchitis Cold & flu Fever Gout Headache Infections Pediatric care Cold & flu Constipation Ear infection Fever Nausea & vomiting Pink eye Joint aches & pains Nausea & vomiting Pink eye Rashes Sinus infection Sore throat Sunburn Urinary tract infection Conditions treated by MDLIVE doctors Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna 12

Cost of MD Live Each consultation for MD Live is $38 This will process like any other office visit under the HSA Plan. The charge will be subject to your deductible and coinsurance under the plan. 13

® Ways to Save with your HSA Plan Appropriate Place of Service Davidson College d Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company

15 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Where should I go to receive care ? Doctor’s Office – They know you the best. They can treat a variety of urgent or immediate care needs in their office during an office visit. You do have to make an appointment, but most offices hold a certain number of appointments everyday for urgent visits. They can provide services to treat ear infections, sprains, flu, etc. Convenience Care Clinics – They are usually located in pharmacies and other places where you shop. Many CVS pharmacies have these and are called “Minute Clinics”. You can go in at your convenience without an appointment for a quick office visit. Their nurse practitioners and doctor’s assistants treat simple conditions like ear aches, sore throats, flu, etc.

16 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Where should I go to receive care ? Urgent Care Facilities – They are most like emergency rooms. You would go in without an appointment for urgent situations. Their doctor, assistants, and nurses treat broken bones, cuts, fevers, and conditions that need immediate care, but are not life threatening. Emergency Rooms – Located in hospital settings. They have doctors, assistants and nurses that can treat a variety of life threatening illness and injuries.

® Ways to Save with your HSA Plan National Labs Davidson College d Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company

18 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Cigna Preferred National Labs At Cigna, it’s all about offering you quality, choice and lower out-of- pocket costs. That is why Cigna includes two of the nation’s largest laboratories in our Open Access Plus network. Cigna has agreements with two national lab vendors: Laboratory Corporation of America – LabCorp Quest Diagnostics - Quest

19 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna What are the benefits? Using these preferred labs can result in cost savings for you and for Davidson College. Looking at the average cost difference – at other regional labs the average cost per procedure is $23.79 per occurrence. The average cost at LabCorp/Quest is $9.43 per occurrence. The savings is even greater when compared to hospital labs. By offering two of the largest national labs, Cigna gives participating doctors and customers greater choice and greater patient access.

® Ways to Save with your HSA Plan Pharmacy Davidson College d Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company

21 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Save money by reviewing the covered drug list on Cigna.com or myCigna.com to know which drugs are generic or preferred and cost less How can I get the most out of my pharmacy benefits plan? Learn what drugs are covered Compare prices Use Cigna Home Delivery Pharmacy Use the pharmacy page of mycigna.com Call Customer Service Use the Prescription Drug Quote Tool on myCigna.com to see what drugs cost with your plan, or compare prices at over 60,000 retail pharmacies and Cigna Home Delivery Pharmacy Have many of your regular medications delivered right to your door at no additional cost – there may even be a cost savings Gives you 24/7/365 access to pharmacy claim history, benefit details, drug and pharmacy comparison tools and a pharmacist to answer your questions

“Cigna,” the “Tree of Life” logo, “GO YOU” and “Cigna Choice Fund” are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company (CGLIC), Cigna Health and Life Insurance Company (CHLIC), Tel-Drug, Inc., Tel-Drug of Pennsylvania, L.L.C., Cigna Onsite Health, LLC, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. In Arizona, HMO plans are offered by Cigna HealthCare of Arizona, Inc. In California, HMO and Network plans are offered by Cigna HealthCare of California, Inc. In Connecticut, HMO plans are offered by Cigna HealthCare of Connecticut, Inc. In North Carolina, HMO plans are offered by Cigna HealthCare of North Carolina, Inc. All other medical plans in these states are insured or administered by CGLIC or CHLIC. “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. All models are used for illustrative purposes only d 07/13 © 2013 Cigna. Some content provided under license. Product Disclosures Rates will vary by plan design including the amount of plan deductibles, coinsurance, and out-of-pocket and lifetime maximums. Rates may vary based on age, gender, geographic location and the plan deductible selected. All insurance policies and general service agreements have restrictions, exclusions, limitations, reductions of benefits and terms under which the policies or agreements may be continued in force or discontinued. Terms and conditions of coverage are set forth in the plan documents - the insurance certificate, plan booklet, policy, contract and/or summary plan description.