YOU SPOKE! WE LISTENED! WE ACTED! 2016 Open Enrollment YOU SPOKE! WE LISTENED! WE ACTED!

Medical Plan Options Current Network Option 1 Option 2 Option 3 Higher Deductible and Out-of-Pocket Maximum HSA allowed   Limited Network Lower deductible and Out-of-Pocket Maximum Copays apply before deductible is met HSA not allowed by IRS Can use Medical Flex Spending account Option 1 Option 2 Option 3

2017 Medical Plan Design… Same Network As Today Option #1 Deductible $2,500 ($5,000 Family) Coinsurance after Deductible 100% Maximum Out-of-Pocket $3,425 ($6,850 Family) After reaching deductible you pay the following copays until your maximum out of pocket is reached Primary Care Visit $25 after deductible Specialist Visit $50 after deductible Emergency Room $150 after deductible Urgent Care $75 after deductible Out-Patient Therapy Rx’s $10/$35/$65 after deductible

2017 Medical Plan Design… Limited Network Option #2 Deductible $1,500 ($3,000 Family) Coinsurance after Deductible 100% Maximum Out-of-Pocket $2,500 ($5,000 Family) After reaching deductible you pay the following copays until your maximum out of pocket is reached Primary Care Visit $25 after deductible Specialist Visit $50 after deductible Emergency Room $150 after deductible Urgent Care $75 after deductible Out-Patient Therapy Rx’s $10/$35/$65 after deductible

2017 Medical Plan Design… Limited Network Option #3 No HSA allowed by IRS Traditional plan where copays come before deductible Deductible* $2,500 ($5,000 Family) *Member #1 meets $2,500, then rest of family meets the additional $2,500 Coinsurance after Deductible 70% Maximum Out-of-Pocket $6,500 ($13,000 Family) Primary Care Visit $40 Specialist Visit $60 Emergency Room Deductible & Coinsurance of 30% Urgent Care $75 Out-Patient Therapy Rx’s $10/$35/$65 Other Services

2017 Medical Premiums (FTE .7 up to an FTE 1.0) **Employees with a wage of $14.50/hour or less *receive a 10% discount on medical premiums. Medical Option #1 & Option #2 Medical Option #3 Regular Rates Subsidized Rates Without Wellness Reward With Wellness Reward Subsidized Rates* Employee Only $53.81 $48.43 $56.04 $41.54 $50.44/$35.94 Employee + Spouse $181.56 $163.40 $164.50 $150.00 $148.05/$133.55 Employee + Children $168.30 $151.47 $148.35 $133.85 $133.52/$119.02 Employee + Family $206.04 $185.44 $199.12 $184.62 $179.21/$164.71 NEEDS UPDATED!

Selecting a primary care doctor for the LIMITED NETWORK OPTIONS (#2 & #3) Why it matters Every team needs a leader. And the primary care doctor you pick will lead your Aetna Whole CHI Health care team* and: Treat you when you're sick See you for your annual wellness exam Direct your care with other doctors and specialists Advise you and help you find care programs Better health Better care Better cost *Recommended, but not required. The Limited Network does not apply to Immanuel’s Lincoln locations.

Convenient access throughout the area DRAFT Hospitals Primary care offices Urgent care facilities Quick Care facilities For illustrative purposes only

Aetna Whole Health – CHI Health Accountable Care Network hospitals 14 Urgent care facilities 12 Hospitals 2,000+ Specialists 7 Quick Care locations 400+ Primary care providers Hospital City Address ZIP Memorial Community Hospital Blair 810 N 22nd St. 68008 Boys Town National Research Hospital Boys Town 14000 Hospital Rd. 68010 Alegent Creighton Health Mercy Council Bluffs Council Bluffs 800 Mercy Dr. 51503 CHI Health Missouri Valley Missouri Valley 631 N 8th St. 51555 St. Mary’s Hospital Nebraska City 1301 Grundman Blvd. 68410 Alegent Creighton Health Bergan Omaha 7500 Mercy Rd. 68124 Alegent Creighton Health Creighton University Medical Center 601 N 30th St. 68131 Alegent Health – Immanuel Medical Center 6901 N 72nd St. 68122 Alegent Health – Lakeside Hospital 16901 Lakeside Hills Ct. 68130 555 N 30th St. Children's Hospital 8200 Dodge St. 68114 Alegent Health – Midlands Community Hospital Papillion 11111 S 84th St. 68046 Saunders Medical Center Wahoo 1760 County Rd. J 68066

Resources at your fingertips Register for your secure member website at www.myaetnawholehealth.com. Then you can: Search for doctors, hospitals and more Check your personal health record and see reminders for important preventive screenings Use helpful member tools and enroll in special programs Review your claims and pay your bills Get discounts on over-the-counter vitamins, herbal and nutritional supplements, massage therapy and more

Can’t see your doctor? Use Teledoc® 24/7/365 access to a doctor at Teladoc.com/Aetna Helps members and their families seek care when their PCP is not available Increased convenience for general medical needs Less expensive than seeking routine care at Urgent Care Center or Emergency Room Services covered include general medical care, behavioral health and dermatology

Health Savings Accounts Immanuel funding = 40% Employee funding = 60% $ for $ match up to: $350 for EE $1,077 for EE+dependent(s)

Transition from Wells Fargo to Optum Bank The Immanuel group transition date is 12-31-16. You will receive a new Optum Bank HSA debit card sometime mid to late December. The fees and investments will be the same. There is nothing you need to do. You can continue to access your HSA account as you always have and use your Wells Fargo HSA debit card to pay for qualified medical, dental & vision expenses thru 12-31-16. Starting 1-1-17 you will begin using your Optum Bank HSA card.

NEW RESOURCE---Health Advocate You can call 1-866-695-8622 anytime 24/7 for support in helping you decide which medical options work best for your particular situation by: Checking networks for doctors and specialists Explaining your share in the cost—out of pocket expense Making sure your drugs are on the option that works best Factoring in your dependent children (up to age 26)   You can also visit Health Advocate online at HealthAdvocate.com/members

Before you Begin Open Enrollment Please Verify All Contact Info: SSN; Birth Date; Full Name; Phone #; Etc.

How to Begin Open Enrollment *Prior to Open Enrollment, make sure all your dependent/beneficiaries are up to date. For Step-by-Step Instructions, Click on the Highlighted Tour Above.

Reviewing and Submitting Elections

You Can Make Changes in your Elections until 8 a.m. November 21st

Final Reminders November Relias will include a short description of the three Medical Plan options that you must complete. If you elect the Flexible Spending accounts for Dependent Day- Care or Medical or Limited Medical, you must reapply for calendar year 2017. Remember to turn claims in for Wellness Reimbursement on the cancer policy--$50 on the Low policy and $100 on the High policy. Outpatient physician reimbursements on Accident policy--$25 on the Low policy and $50 on the High policy. Everyone will receive new Aetna medical cards near the first of the year.