Medical Plan Options So let’s talk benefits, starting with your medical plan choices.

Health Maintenance Organizations (HMO) 2018 medical plan options The Walmart family is pretty big. Depending on where you are, you have a few medical plans to choose from. Health Maintenance Organizations (HMO) Health Savings Account (HSA) Plan Health Reimbursement Account (HRA) Plans You have access to three medical plans. Sometimes four. The Health Reimbursement Account Plans or HRA The Health Savings Account Plan or HSA And depending on your location, a Select Network Plan, an Accountable Care Plan, or a Health Maintenance Organization All of which we’ll talk more about here in a minute

Key features of the HRA plans Get a special health reimbursement account credited by Walmart to help them pay for eligible expenses. HRA Plan HRA High Plan HRA Credit $300 / $600 $500 / $1,000 Annual Deductible $2,750 / $5,500 $1,750 / $3,500 Coinsurance 75% in-network 50% out-of-network Annual Out-of-Pocket Maximum $6,850 / $13,700 The HRA Plans are a little different. They offer an HRA credit from Walmart, which is used whenever you need to go to the doctor or hospital. It is a credit rather than actual cash. Any credit you don’t use will roll over year after year up to the annual deductible, but if you leave the plan or the company, you will lose any remaining credit. For most areas, there are two options, the HRA Plan and the HRA High Plan. The HRA plan will cost you less per paycheck, but you have to pay more before insurance kicks in. The HRA High plan gives you a higher HRA credit and kicks in sooner with a lower deductible, but it will cost you more per paycheck.

How do the HRA plans work? Associate Pays Deductible Once all HRA credit is used, associates pay full price for eligible medical expenses until they meet the annual deductible Walmart Pays Out-of-Pocket Max Finally, once associates meet the annual out-of-pocket maximum, Walmart pays 100% of eligible medical expenses for the remainder of the plan year Walmart Pays HRA Credit Walmart provides HRA credit which is automatically used first for eligible medical expenses Assoc./Walmart Pays Coinsurance After the annual deductible has been paid, both the associate and Walmart pays for eligible medical expenses. Associates pay 25% Walmart pays 75% So how exactly do the HRA plans work? As we previously mentioned, Walmart provides associates enrolled in the HRA or HRA High plan with an HRA credit at the beginning of each plan year. This credit is automatically used first for any eligible medical expenses. As long as the you have a credit, you don’t have to pay anything. Walmart pays. Once the you have used all your HRA credit, you must pay full price for eligible medical expenses, until the annual deductible has been met. You pay. As the year goes on, once you have met the annual deductible, the cost of eligible medical expenses are shared. You will pay 25% of eligible expenses and Walmart will pay the other 75%. You and Walmart pay. And finally, if at any time during the plan year you meet the annual out-of-pocket maximum, Walmart will then pay 100% of eligible medical expenses for the remainder of the plan year. Once again, Walmart pays.

Your cost per biweekly pay period HRA Plan Rates Your cost per biweekly pay period Associate only Tobacco free $26.10 One tobacco user $52.20 Associate + spouse/partner $124.80 $150.90 Two tobacco users $177.00 Associate + Child(ren) $41.90 $68.00 Associate + Family $146.40 $172.50 $198.60

Your cost per biweekly pay period HRA High Plan Rates Your cost per biweekly pay period Associate only Tobacco free $78.50 One tobacco user $157.00 Associate + spouse/partner $265.90 $344.40 Two tobacco users $422.90 Associate + Child(ren) $110.80 $189.30 Associate + Family $284.60 $363.10 $441.60

Key features of an HSA plan Build a tax-free personal health savings account for use with eligible health care expenses. HSA contributions Triple tax benefit Walmart match Walmart matches your contribution dollar for dollar up to $350 per year, or $700 if you cover dependents Using your HSA HSA may be used for any IRS-approved health expenses HSA dollars are yours to keep The Health Savings Account, or HSA Plan lets you build a personal health savings account. This is cold hard cash that follows you year after year and wherever you may go. Here’s how the HSA works: You can put money into your health savings account, tax-free, each paycheck Walmart will match your contributions dollar for dollar up to $350 per year, or $700 if you cover dependents. You can use your HSA money for most health care expenses without penalty or taxes. And the best part: it’s cash you get to keep, even if you change plans or leave the company.

Health Savings Account Plan Rates Your cost per biweekly pay period Associate only Tobacco free $29.10 One tobacco user $58.20 Associate + spouse/partner $130.50 $159.60 Two tobacco users $188.70 Associate + Child(ren) $45.70 $74.80 Associate + Family $150.70 $179.80 $208.90

Health Maintenance Organizations (HMO) 2018 medical plan options The Walmart family is pretty big. Depending on where you are, you have a few medical plans to choose from. Health Maintenance Organizations (HMO) Health Savings Account (HSA) Plan eCommerce PPO You have access to two types of medical plans. Sometimes three. The eCommerce PPO plan The Health Savings Account, or HSA Plan And depending on your location, a Health Maintenance Organization or HMO, All of which we’ll talk more about here in a minute

Key features of the eComm PPO Plan Manage in-network out-of-pocket medical expenses and receive additional treatment options with a PPO plan. Deductible $300/associate $600/associate + dependents Out-of-pocket maximum $1500/associate $3000/associate + dependents Office copays $15 PCP $25 Specialist Additional benefits Chiropractic care Transgender benefit coverage Infertility treatment coverage With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Your cost per biweekly pay period eComm PPO Plan Rates Your cost per biweekly pay period Associate only Tobacco free $32.00 One tobacco user $64.00 Associate + spouse/partner $139.00 $171.00 Two tobacco users $203.00 Associate + Child(ren) $54.00 $86.00 Associate + Family $161.00 $193.00 $225.00

Key features of an HMO plan HMOs offer convenient and coordinated care as well as predictable and affordable copays for doctor visits Simple copays A fixed dollar amount for many services Administrative ease Most HMOs have streamlined administrative processes with their providers. Local providers Most HMOs cover care within the HMO network only, except for life-threatening emergencies.

Key features of the Kaiser CA eComm HMO Plan Deductible $1,000/associate $2,000/associate + dependents Out-of-pocket maximum $6,550/associate $13,100/associate + dependents Office copays $35 PCP $50 Specialist Hospital 25% after deductible Pharmacy copays $10 Generic $50 Brand 25% up to $350 Specialty With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Kaiser CA eComm HMO Rates Your cost per biweekly pay period Associate only Tobacco free $29.00 One tobacco user $58.00 Associate + spouse/partner $125.00 $154.00 Two tobacco users $183.00 Associate + Child(ren) $49.00 $78.00 Associate + Family $145.00 $174.00 $203.00

Key features of the Kaiser OR eComm HMO Plan Deductible $1,000/associate $2,000/associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $60 Specialist Hospital 25% after deductible Pharmacy copays $10 Generic $50 Brand 25% up to $350 Specialty With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Kaiser OR eComm HMO Rates Your cost per biweekly pay period Associate only Tobacco free $29.00 One tobacco user $58.00 Associate + spouse/partner $125.00 $154.00 Two tobacco users $183.00 Associate + Child(ren) $49.00 $78.00 Associate + Family $145.00 $174.00 $203.00

Key features of the Kaiser eComm HMO Plan Deductible $1,000/associate $2,000/associate + dependents Out-of-pocket maximum $6,550/associate $13,100/associate + dependents Office copays $35 PCP $50 Specialist Hospital 25% after deductible Pharmacy copays $10 Generic $50 Brand 25% up to $350 Specialty With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Your cost per biweekly pay period Kaiser eComm HMO Rates Your cost per biweekly pay period Associate only Tobacco free $29.00 One tobacco user $58.00 Associate + spouse/partner $125.00 $154.00 Two tobacco users $183.00 Associate + Child(ren) $49.00 $78.00 Associate + Family $145.00 $174.00 $203.00

Key features of the Blue Care East/SE eComm HMO Plan Deductible $1,000/associate $2,000/associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $50 after deductible Specialist Hospital 20% after deductible Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Blue Care East/SE eComm HMO Rates Your cost per biweekly pay period Associate only Tobacco free $29.00 One tobacco user $58.00 Associate + spouse/partner $125.00 $154.00 Two tobacco users $183.00 Associate + Child(ren) $49.00 $78.00 Associate + Family $145.00 $174.00 $203.00

Key features of the Blue Care East/SE HMO Plan Deductible $1,000/associate $2,000/associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $50 after deductible Specialist Hospital 20% after deductible Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Blue Care East/SE HMO Rates Your cost per biweekly pay period Associate only Tobacco free $77.20 One tobacco user $154.40 Associate + spouse/partner $318.50 $395.70 Two tobacco users $472.90 Associate + Child(ren) $138.90 $216.10 Associate + Family $374.70 $451.90 $529.10

Key features of the Blue Care West HMO Plan Deductible $1,000/associate $2,000/associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $50 after deductible Specialist Hospital 20% after deductible Pharmacy copays $200 individual; $400 family deductible $10 Generic after deductible $50 Brand after deductible With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Blue Care East/SE eComm HMO Rates Your cost per biweekly pay period Associate only Tobacco free $77.20 One tobacco user $154.40 Associate + spouse/partner $318.50 $395.70 Two tobacco users $472.90 Associate + Child(ren) $138.90 $216.10 Associate + Family $374.70 $451.90 $529.10

Key features of the Health Net ExcelCare High HMO Plan Deductible None Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $75 Specialist Hospital $1,000 copay + 25% Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Health Net ExcelCare High HMO Rates Your cost per biweekly pay period Associate only Tobacco free $56.30 One tobacco user $112.60 Associate + spouse/partner $223.20 $279.50 Two tobacco users $335.80 Associate + Child(ren) $118.90 $175.20 Associate + Family $261.30 $317.60 $373.90

Key features of the Health Net ExcelCare Low HMO Plan Deductible None Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $75 Specialist Hospital $1,500 copay + 25% Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Health Net Low ExcelCare HMO Rates Your cost per biweekly pay period Associate only Tobacco free $36.80 One tobacco user $73.60 Associate + spouse/partner $144.10 $180.90 Two tobacco users $217.70 Associate + Child(ren) $75.60 $112.40 Associate + Family $172.50 $209.30 $246.10

Key features of the Health Net Salud y Mas HMO Plan Services in CA Deductible None Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $75 Specialist Hospital $1,000 copay + 25% Pharmacy copays $10 Generic $50 Brand Services in Mexico Deductible None Out-of-pocket maximum $1,500/associate $3,000/two party $4,500/ family Office copays $10 PCP Hospital 100% Pharmacy copays $5 when filled at a SIMNSA With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Health Net Salud y Mas HMO Rates Your cost per biweekly pay period Associate only Tobacco free $36.30 One tobacco user $72.60 Associate + spouse/partner $171.50 $207.80 Two tobacco users $244.10 Associate + Child(ren) $58.10 $94.40 Associate + Family $201.20 $237.50 $273.80

Key features of the Kaiser CA High HMO Plan Deductible $1,000/ associate $2,000/ associate + dependents Out-of-pocket maximum $6,550/associate $13,100/associate + dependents Office copays $35 PCP $50 Specialist Hospital 25% after deductible Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Kaiser CA High HMO Rates Your cost per biweekly pay period Associate only Tobacco free $54.70 One tobacco user $109.40 Associate + spouse/partner $220.60 $275.30 Two tobacco users $330.00 Associate + Child(ren) $92.40 $147.10 Associate + Family $261.30 $316.00 $370.70

Key features of the Kaiser CA Low HMO Plan Deductible $1,500/ associate $3,000/ associate + dependents Out-of-pocket maximum $6,550/associate $13,100/associate + dependents Office copays $35 PCP $50 Specialist Hospital 25% after deductible Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Your cost per biweekly pay period Kaiser CA Low HMO Rates Your cost per biweekly pay period Associate only Tobacco free $26.40 One tobacco user $52.80 Associate + spouse/partner $92.70 $119.10 Two tobacco users $145.50 Associate + Child(ren) $39.60 $66.00 Associate + Family $109.60 $136.00 $162.40

Key features of the Kaiser CO Low HMO Plan Deductible $1,500/ associate $3,000/ associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $75 Specialist Hospital 25% after deductible Pharmacy copays $15 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Your cost per biweekly pay period Kaiser CO Low HMO Rates Your cost per biweekly pay period Associate only Tobacco free $41.80 One tobacco user $83.60 Associate + spouse/partner $134.60 $176.40 Two tobacco users $218.20 Associate + Child(ren) $57.50 $99.30 Associate + Family $169.30 $211.10 $252.90

Key features of the Kaiser GA Low HMO Plan Deductible $1,500/ associate $3,000/ associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $75 Specialist Hospital 25% after deductible Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Your cost per biweekly pay period Kaiser GA Low HMO Rates Your cost per biweekly pay period Associate only Tobacco free $36.30 One tobacco user $72.60 Associate + spouse/partner $171.50 $207.80 Two tobacco users $244.10 Associate + Child(ren) $58.10 $94.40 Associate + Family $201.20 $237.50 $273.80

Key features of the Kaiser Mid-Atlantic Low HMO Plan Deductible $1,500/ associate $3,000/ associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $75 Specialist Hospital 25% after deductible Pharmacy copays $15 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Kaiser Mid-Atlantic Low HMO Rates Your cost per biweekly pay period Associate only Tobacco free $34.50 One tobacco user $69.00 Associate + spouse/partner $118.30 $152.80 Two tobacco users $187.30 Associate + Child(ren) $51.50 $86.00 Associate + Family $141.10 $175.60 $210.10

Key features of the Kaiser WA Low HMO Plan Deductible $1,500/ associate $3,000/ associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $25 PCP $50 Specialist Hospital 20% after deductible Pharmacy copays $10 Generic $40 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

Your cost per biweekly pay period Kaiser WA Low HMO Rates Your cost per biweekly pay period Associate only Tobacco free $81.70 One tobacco user $163.40 Associate + spouse/partner $278.40 $360.10 Two tobacco users $441.80 Associate + Child(ren) $129.50 $211.20 Associate + Family $322.70 $404.40 $486.10

Key features of the UPMC Health Plan HMO Plan Deductible $1,000/ associate $2,000/ associate + dependents Out-of-pocket maximum $6,850/associate $13,700/associate + dependents Office copays $35 PCP $75 Specialist Hospital 25% after deductible Pharmacy copays $10 Generic $50 Brand With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with Lower deductibles Lower out-of-pocket maximums, and Predictable and affordable copays for doctor visits. This plan will, however, cost you a bit more in payroll deductions. The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

UPMC Health Plan HMO Rates Your cost per biweekly pay period Associate only Tobacco free $74.70 One tobacco user $149.40 Associate + spouse/partner $268.70 $343.40 Two tobacco users $418.10 Associate + Child(ren) $118.40 $193.10 Associate + Family $311.60 $386.30 $461.00

Key features of a Select Network plan The Select Network Plan offers access to top quality doctors and hospitals and convenient copays, all at the lowest cost. Simple copays $35 copay for doctor visits $75 copay for specialists visits Lowest cost Lowest costing plan available – starting at less than $21 a paycheck Local providers Plan covers care within the local network only, except for life-threatening emergencies. Then there’s the Select Network Plan If you want the least coming out of your paycheck, the Select Network Plan, is our lowest cost plan where available. You have access to top quality doctors and hospitals. And it also offers predictable and affordable copays for doctor visits

Select Network Plan Rates Your cost per biweekly pay period Associate only Tobacco free $20.80 One tobacco user $41.60 Associate + spouse/partner $110.00 $130.80 Two tobacco users $151.60 Associate + Child(ren) $34.30 $55.10 Associate + Family $128.90 $149.70 $170.50

What is an Accountable Care Plan (ACP)? The ACP offers an innovative, highly coordinated approach to health care. TOP DOCTORS AND HOSPITALS Feel confident with the ACP because it consists of some of the very best and hospitals in your area. CARE TEAM WORKING TOGETHER FOR YOU Rest assured that your care team has everything it needs and works together for you. PREDICTABLE AND AFFORDABLE COPAYS Know before you go. ACPs have low copays. Just what is an Accountable Care Plan, or ACP for short? We know that health care can be many things - complex, confusing, and downright hard to understand. And that it can be frustrating and even scary dealing with multiple doctors, prescriptions, or even hospitals. Associates may find themselves asking questions like: Who is the right doctor or specialist for me? Which hospital is the best? Why can’t it be simpler? Why can’t I know who the best doctors and hospitals are? Why can’t they just work together to take care of me? Well rest easy, because that is exactly what an Accountable Care Plan does for associates. It provides them with: Some of the top doctors and hospitals A care team working together for them, and Predictable and affordable copays for doctor visits In short, the ACP offers an innovative, highly coordinated approach to health care. ACP

Top doctors and hospitals When it comes to health care, we all want the best. Banner Health System is one of the best in your area Choose from some of the top local doctors Doctors will care for your total health, not just treat what’s wrong Let the highest quality care get you back on your feet, doing what matters most to you When it comes to health care, we all want the best. The top doctors and hospitals and the best treatment. But how do associates know who the best is? Walmart has taken out the guess work and is partnering with a health system in your area, The Mercy Health System, which lets associates choose from some of the best doctors. They will treat associates, the person, and not just their sickness. The ACP can help associates manage their chronic conditions, such as diabetes or high blood pressure. They work hard to keep associates healthy and out of the hospital. The ACP will help associates feel better and get back to doing what matters most to them. ACP

A care team working together for you Feel confident knowing the ACP is built around a team approach to your and your family’s healthcare Choose your primary care doctor, who guides your care and keeps you healthy Doctors and hospitals use the same computer system for overall coordinated care delivery Lab work Physical therapy Primary care Hospitalization Pharmacy Have your associates ever gotten frustrated because their doctors never seem to talk to each other? Are they tired of having to fill out the same multi-page questionnaire for every doctor they visit? It seems doctors either rely on patients to tell them about treatments and medications and bring their medical records, or they simply make treatment decisions without knowing everything that is going on, which can be scary to think about. The ACP eliminates the confusion, frustration, and fear of getting the healthcare associates need. Once enrolled, associates will pick from some of the best doctors to be their main doctor. He or she will coordinate all their care and know everything about the associates’ treatment and medications, even those from other doctors they may see. How you ask? They use the same computer system to coordinate care, and they work together as a team to give associates the best care specific to them. Associates receive coordinated, personalized care conveniently through one health system. ACP

Banner ACP Features Associates have predictable and affordable copays, even before meeting the deductible, along with 100 percent covered preventive care. Acp Care and services Including doctor visits, diagnostic tests, hospitalization, behavioral health Office visits: $35 copay before deductible Specialists, urgent care: $75 copay before deductible Other in-network care: 75% after deductible Annual deductible (except for preventive care) Associate only Associate + dependents $3,000 $6,000 Annual out-of-pocket maximum $6,850 per person $13,700 per family Generic drugs (up to 30-day supply) Brand-name drug Specialty drugs $4 $50 or 25% of allowed cost (whichever is greater) $50 or 20% of allowed cost (whichever is greater) Do your associates ever worry about going to the doctor because they won’t know the true cost until they get a bill much later? With the ACP associates are ensured predictable and affordable copays for doctor and specialists visits before they have to meet their deductible. And, better yet, preventive care is covered at 100 percent. Other plan features to know: There is an annual deductible of $1,750 for associate only coverage or $3,500 for family coverage The annual out-of-pocket maximum is $6,850 per person or $13,700 per family And generic drugs are covered for just a $4 copay Please note: in 2018, associates will need to fill their prescriptions at a Walmart of Sam’s Club pharmacy for benefits. All other pharmacies will be out of network and they’ll have to pay the full retail price. DON’T PAY FULL PRICE FOR PRESCRIPTIONS. To get the lowest cost, you’ll need to fill your prescriptions at a Walmart or Sam’s Club pharmacy. ACP

Is the Banner ACP right for you? As you review your options, here are some points to remember: Complex health care needs - If you already see a lot of doctors or take multiple medications, the accountable care approach can make life easier and your health better. Locals only - Network providers are only available locally, so if you wish to cover eligible dependents who live elsewhere, the plan may not be a good fit for you. Out-of-network services are allowed for emergency situations. The ACP is predictable, simple and convenient. What else should associates consider to figure out if this is the right plan for them? Well, because the plan works as a team to coordinate care, the ACP could really simplify care if associates already see a lot of doctors due to complex health care needs. But remember, the plan is local. We’ve teamed up with the best network of doctors available in your area. If associates have eligible dependents who live elsewhere, the plan may not be a good fit. Associates don’t need to worry though. Out-of-network services are allowed for emergency situations. Think of an ACP as a whole team of medical experts coordinating care for a better you. ACP

Comprehensive service of a care team Simplicity of low copays The ACP difference If patient-centered care and predictable copays sound good to you, this plan could be your best choice for 2018. Trust in best doctors Comprehensive service of a care team Simplicity of low copays If patient-centered care and predictable health care costs sound good for your associates, this plan could be their best choice for 2018. The ACP provides: Trust in some of the best doctors – specially selected for the network because they provide high quality care It provides comprehensive service from a care team – who work together for associates and their health And it offers simplicity - with simple copays for office visits, letting associates know exactly what they’ll pay before they go to the doctor Other plan choices generally result in visits to multiple facilities for care and a variety of doctors not interacting to give them the same seamless service of the ACP. Other plan choices generally result in visits to multiple facilities for care and a variety of doctors not interacting to give them the same seamless service of the ACP. ACP

Your cost per biweekly pay period Banner ACP Rates Your cost per biweekly pay period Associate only Tobacco free $20.90 One tobacco user $41.80 Associate + spouse/partner $99.80 $120.70 Two tobacco users $141.60 Associate + Child(ren) $33.50 $54.40 Associate + Family $117.10 $138.00 $158.90