Open Enrollment 2018

Open Enrollment June is your Open Enrollment period. Open enrollment allows non-covered employees, spouses and dependent children to enroll without a qualifying event. Any changes made during Open Enrollment will be effective July 1, 2018 and will remain in effect until June 30, 2019. If you do not enroll during Open Enrollment, you must enroll within 31 days of a qualifying event such as marriage, divorce, death, birth, adoption, loss of other coverage, etc.

Medical Plan Renewal Date with All Savers (United Healthcare Network) is July 1 Renewal increase of 10% Alternate quotes uncompetitive (BCBS, Aetna and UHC) There were no plan changes this year Deductible and Out of Pocket Maximums run on a calendar year and will start over every year on January 1

Medical Plan No plan changes this year The EPO has In-network benefits ONLY Same list of in-network providers: Locate In-Network providers at www.myallsaversmember.com Network name: United Healthcare Choice

(out-of-network not covered) Medical Plan benefits Benefit In-Network ONLY (out-of-network not covered) Calendar Year Deductible $2,000 Individual $4,000 Family Plan Percentage After Deductible 80% Out-of-Pocket Max Including Deductible $4,000 Individual $8,000 Family Preventive Care Must be billed as Preventive 100% No Deductible

(out-of-network not covered) Medical Plan benefits Benefit In-Network ONLY (out-of-network not covered) Office Visit Urgent Care $40 Copay Primary Care / $80 Copay Specialist $100 Copay Emergency Room *Out-of-Network emergency covered at the In-Network level. Balance billing may occur. $300 Copay Prescription Drugs Tier 1 Tier 2 Tier 3 Tier 4 $15 per Prescription $35 per Prescription $75 per Prescription $250 per Prescription Other Eligible Services 80% After Deductible

Medical Plan Premiums Coverage Tier Employee Cost (Per Pay Period) Employee Only $0.00 Employee & Child(ren) $236.32 Employee & Spouse $288.83 Employee & Family $551.40 CTSI pays 100% of the Employee Only Premium on your behalf!

Cost saving Tips Primary Care Physician $40 Copay Urgent Care $80 Copay Hospital Emergency Room $300 Copay + $2,000 Ded + 20% Free Standing Emergency Room + balance bill if OON True Emergencies are paid at the In-Network Level of benefits. However, if the facility is not contracting they can choose to balance bill you.

Visit GoodRX.com to locate the lowest cost medication in your area. RX saving Tips Generic Avg. Cost: $28.46 Brand Avg. Cost: $260.61 Avg. cost of brand/generic Member OOP cost Copays: Generic $ Brand $ Visit GoodRX.com to locate the lowest cost medication in your area.

Dental Plan Benefits Your Dental Plan is administered by Principal Calendar Year Deductible (Waived for Preventive Care) $25 Individual $75 Family Calendar Year Maximum Benefits $1,500 per Covered Person Preventive Care 100% (of Allowed Amount) Basic Care 80% (of Allowed Amount) Major Care 50% (of Allowed Amount) Orthodontic Care (Dependent Children to age 19 Only) 50% (of Allowed Amount) Up to $1,500 Lifetime Max

Dental Plan Benefits Dental Plan Benefits Maximum Accumulation (Carry Over Unused Max Benefit) Must have had a Dental Service Used less than $750 of Benefit Carry Over $750 Late Entrant Waiting Period (Does not apply during Open Enrollment) 12 Months for Basic 24 Months for Major See any dentist, however, participating dentist agree not to balance bill. To locate in-network dentist visit: www.Principal.com

Employee Cost Per Pay Period Dental Plan Premiums Coverage Tier Employee Cost Per Pay Period Employee Only $0.00 Employee & Child(ren) $30.88 Employee & Spouse Employee & Family CTSI pays 100% of the cost of the Employee Only Premium on your behalf!

Vision Plan Benefits Your Vision Plan is administered by Superior Vision Vision Plan In-network Out-of-network Eye Exam (Once every 12 months) $10 Copay Up to $45 Allowance Prescription Glasses Lenses Frames (once every 24 months) $25 Copay Once every 12 months $150 allowance (plus 20% discount over allowance) Allowance varies by type Up to $70 Allowance Contact Lenses Instead of Glasses (once every 12 months) $150 allowance after copay Up to $60 copay for contact lenses exam Up to $105 Allowance

Employee Cost Per Pay Period Vision Plan Premiums Coverage Tier Employee Cost Per Pay Period Employee Only $0.00 Employee & Child(ren) $3.20 Employee & Spouse $3.43 Employee & Family $7.41 CTSI pays 100% of the cost of the Employee Only Premium on your behalf! Locate In-Network providers at www.principal.com Network name: VSP Choice

Group Term Life CTSI provides all full-time employees with a Group Term Life policy at no cost to the employee. Benefit Amount : $15,000 (age reductions apply, over 70) Administered by Principal

www.myctsibenefits.com

www.myctsibenefits.com 24/7 Access to your Benefit Information: Benefit Summaries Eligibility Information Complete Plan Documents Payroll Deductions Enrollment Forms Claim Forms Links to Carrier Provider Directories Contact Information

House Keeping All Savers Enrollment Form- Only complete if you are making an open enrollment change for the Medical Plan Principal Enrollment / Change Form – Only complete if you are making an open enrollment change for Dental and Vision Benefits Please return all forms to BJ Macom, by Monday, June 25th

Questions Julie Barnhill, Sr. Account Executive julie.barnhill@marshmma.com 806-765-7264 Erin Dawson, Benefit Analyst erin.e.dawson@marshmma.com Please Note: The information provided in this presentation is for summary purposes only and is not a comprehensive explanation of benefits or legal document. Please refer to the carrier’s plan documents. In the event of a discrepancy between the carrier plan documents and this document, the carriers’ plan documents will prevail.