EMPLOYEE BENEFITS MEETING Plan Year:

Introduction Presented by: Benefit Administration Company, LLC.

Today’s Agenda Review health care coverage Review other benefits Assess health care trends and health care review process Overview of benefit plan changes and rates Learn how to maximize your benefits Review other benefits Dental coverage Short-term disability, long-term disability and life insurance Understand next steps Open enrollment

Rising Health Care Costs: A National Trend Why are health care costs increasing? Aging population Increased utilization and consumer demand Reduction in provider discounts Increase in prescription drug costs Consolidation of managed care companies New medical technology

’s Annual Medical Plan Review Process Decided to remain with for next plan year Proud to offer a competitive, comprehensive package with excellent provider access This plan will allow us to continue to pursue our company goals

Annual Medical/Rx Plan Cost Per Employee This slide displays sample data. To insert your own data, right-click on the chart and choose “Open Chart Object” or “Edit Data,” depending on your software version. Insert your employee contribution, employer contribution and projected national average data for the applicable years. Be sure to change the axis labels as needed (e.g., applicable years, local or national projections) Close the worksheet to return to main slide. Click on the figures for total employee cost above each bar to change to your total per employee cost per year (employee contribution + employer contribution). Click on each legend item at the right to insert your employee and employer contribution percentages. Click on this yellow “comment” box and press “delete” on your keyboard to delete these instructions from your presentation. $11,146

Highly Utilized Services by Major Diagnostic Category (MDC) Percentage Above the Norm Description Circulatory 12.8% Heart disease, circulation disorders, diseases of the arteries Musculoskeletal 11.9% Arthritis, bone and joint disorders, muscle and ligament disorders Pregnancy 4.6% Any and all claims related to pregnancy, delivery or pregnancy-related complications Injury or poison 7.8% Bone fractures, joint sprains, dislocations, internal injuries, open wounds This slide contains sample data. Click on each box to edit. Insert data from DMW or claims information from your carrier. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Office Visit Utilization Most Utilized Services Common cold Chiropractic visits Pharyngitis (sore throat) Ear infections This slide contains sample data. To insert your own data, right-click on the chart and choose “Open Chart Object” or “Edit Data.” Insert your data for local (or insert national) average and actual visits. Close the worksheet to return to main slide. Click on “Most Utilized Services” at the right to edit the list (or you can delete it entirely). Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Handling Rising Health Care Costs Continue [insert percent here] percent employer cost sharing Continue cost sharing for highly utilized services Limiting our exposure to high health care expenses

Plan Design Changes Health Plan A Health Plan B [Insert highlights of plan design changes; for example, some modifications to coverage levels] Health Plan B [Insert highlights of plan design changes; for example, lower employee contributions, higher deductibles or higher out-of-pocket maximums]

Plan Design Changes Benefit In-network Care Out-of-network Care Deductible Current $250 Single/$750 Family $250 Single/ $750 Family 2018–Plan A $350 Single/$1,050 Family 2018–Plan B $1,000 Single/$3,000 Family Coinsurance 90% 80% 2018 70% Out-of-pocket Maximum $1,000 Single/$2,000 Family $3,000 Single/$6,000 Family $1,200 Single/$2,400 Family $2,000 Single/$4,000 Family $3,500 Single/$7,000 Family This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Plan Design Changes Benefit In-network Care Out-of-network Care Office Visits Current $15 copay 80% after deductible 2018 $20 copay 70% after deductible Routine Care $15 copay, then 100% Not covered $20 copay, $300 max per year (Max excludes mammogram, paps, prostate antigen testing, well-baby checkups up to age 2) Emergency Room $50 copay (waived if admitted) $50 copay, 90% after deductible This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Plan Design Changes Benefit In-network Care Out-of-network Care Chiropractic Copay Current $15 copay 80% after deductible 2018 $25 copay 70% after deductible Inpatient Hospital Copay None $100/day up to $300 max/visit This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Rate Changes Effective : Coverage Level Current 2018 Plan A 2018 Plan B Employee $ Employee & Spouse Employee & Children Family This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Medical and Prescription Claims Insurance Carrier Account Claim payments up to $00,000 $000 Deductible 00% / 00% Coinsurance Physician office or prescription copayments $00,000 This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. To lengthen or shorten a box or an arrow, simply click and then drag it in the direction you prefer. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation. $0,000 maximum out-of-pocket (excludes copay)

Maximizing Your Benefits Utilize network providers to limit your out-of-pocket expenses. Visit [carrier_website] to see a complete list of online services. Use mail order pharmacy benefit to lower costs. Use generic medications when possible. Follow prescription dosage instructions carefully.

Dental Plan Highlights Summary of Benefits Individual Deductible $50 Annual Benefit $1,000 Orthodontia Lifetime Benefit This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Dental Plan Highlights Covered Services Type I Expenses (Preventive Services) 100% Type II Expenses (Basic Services)* 65% Type III Expenses (Basic Services)* 35% Type IV Expense (Orthodontia Services) * Subject to deductible This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Dental Plan Rates Biweekly Dental Premiums Current 2018 Plan Individual Coverage $ Family Coverage This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

Company-paid Benefits Short-term Disability (STD) [Insert coverage details] Long-term Disability (LTD) Life and Accidental Death & Dismemberment (AD&D)

Next Steps Open enrollment deadline: [insert deadline here] Medical, dental and FSA benefits (see Employee Benefits Enrollment Guide for details) Guidelines for adding or waiving coverage No enrollment for medical/dental after open enrollment period (unless due to a qualifying event) Qualifying events as defined by law Examples include: birth, adoption, marriage, divorce, loss of job, or loss of coverage due to a reduction in hours or death

Resources [carrier_website] has a comprehensive website with a variety of health and wellness resources You can also access your plan’s provider directory and view eligibility and claims information online

Resources [Insert other carrier resources, such as a nurse line, customer service phone number, dedicated customer service representative, etc.] [Insert details about these resources]

Questions? Please direct questions regarding employee benefits to: