Busco, Inc – Arrow Stage Lines Annual Enrollment Welcome Busco, Inc – Arrow Stage Lines Annual Enrollment January 1, 2014

Agenda - What we will cover Review your Medical Plan Options for 2014 – UHC is updating their Certificate of Coverage. 2014 Updated Contribution limits for Health Savings Account (HSA) Quick summary of other benefits Timeline for enrollment changes

Medical Plans – Two options Traditional Plan – Co-pay plan Qualified High Deductible Health Plan (QHDHP) with a Health Savings Account (HSA) – HSA Plan Both are PPO plans – You save when you see a participating provider.

Co-Pay Plan - PPO Plan Design (UHC Flexpoint Plan) Co-pay Plan Design Co-Pay Plan - PPO Plan Design (UHC Flexpoint Plan) Plan Details In-Network Out-of-Network Annual Deductible Employee Only $2,500 $5,000 Employee + Dependent(s) $10,000 Annual Out-of-pocket Maximum (including deductible and Medical Copays) $20,000 Coinsurance Plan pays 80%, Member pays 20% Plan pays 50%, Member pays 50% Services Office Visits - Primary Care 100% after $30 copayment per visit *First 4 visits – subject to copay, addl visits subject to deductible and coinsurance 50% after Deductible is met Office Visits – Specialist Care *4 visits – PCP and Specialist combined 100% after $60 copayment per visit *$30 copayment if Premium Designated Specialist Preventive Care 100%, deductible and copay waived Inpatient Hospital Services 80% after Deductible is met Outpatient Hospital Services OP Surgery – 50% deductible is met Urgent Care 100% after $100 copayment per visit Emergency Care 80% after $250 copayment per visit Independent Lab, Radiology Services Note: Prior authorization required for certain services. No Lab card Under the UHC plans.

QHDHP HSA Plan Design Remember – No Copays Qualified High Deductible Health Plan with HSA - PPO Plan Design Plan Details In-Network Out-of-Network Annual Deductible Employee Only $2,500 $5,000 Employee + Dependent(s) $10,000 Annual Out-of-pocket Maximum (including deductible) $20,000 Coinsurance Plan pays 80%, Member pays 20% Plan pays 50%, Member pays 50% Services Office Visits - Primary Care 80% after Deductible is met 50% after Deductible is met Office Visits – Specialist Care Preventive Care 100%,not subject to deductible Inpatient Hospital Services Outpatient Hospital Services Urgent Care Emergency Care Independent Lab, Radiology Services Note: Prior authorization required for certain services. No Lab card Under the UHC plans Remember – No Copays

Prescription Drug Coverage Cost Co-Pay Plan H.S.A. Plan Tier 1 $15 80% after Deductible is met Tier 2 $35 Tier 3 $70 If you enroll in the HSA plan, you may want to shop around for the best value. Not all pharmacies have the same price!

Per Pay Period Premium Costs HSA Plan Employee Only $49.56 Employee & Spouse $148.98 Employee & Child(ren) $118.75 Employee & Family $193.68 Copay Plan $95.32 $233.70 $186.67 $303.05 * 24 Pay periods

HSA CONTRIBUTIONS

HSA Contribution Limits Each year, the IRS sets contribution limits These limits are for the total funds contributed, including company contributions, your contributions and any other contributions For 2014, total limits are: $3,300 for individual coverage $6,550 for family coverage (all other coverage levels) Note: IF you enroll in the QHDHP - Arrow will contribute $125 into your HSA accounts in January 2014. If you are age 65 or over and not eligible for the HSA account, Arrow will contribute $125 to an FSA account on your behalf

HSA Contributions HSA Contribution amounts are flexible. Amounts can be changed monthly basis--you are not locked in for the year. 2014 Minimum Per Pay Period Contribution is $10.00 HSA Plan premium is less The savings in your premium deductions should be contributed to your HSA accounts.

HSA Contributions You are allowed to contribute the entire year’s limit whenever you first become eligible for the HSA (even if that is in December) However, you must remain eligible for at least 12 months after that date, or you will be subject to taxes and penalties on the amount you contributed. When contributing lump sums outside of payroll deductions, you must claim on your tax return to take advantage of the tax savings. Section provided on tax return – after tax contributions to HSA

Catch-Up Contributions For individuals ages 55+, the IRS allows additional “catch-up contributions” Eligible individuals may contribute an extra $1,000 for the year 2014 This is to help save additional money for retirement

Other Important Information Arrow will continue to offer the Flexible Spending Accounts Health Care Spending Accounts (Full and Limited) Dependent Care Spending Account You will receive an ID Card – Includes Medical and RX information. Be sure to share a copy with your pharmacy and physician the first time you see them in 2014.

Basic Life and AD&D - LFG Employee – Paid by Employer Current Life Benefit: $15,000 Current AD&D* Benefit: $15,000 *Accidental Death and Dismemberment

Voluntary Term Life/AD&D- LFG (Employee Paid) Employee Coverage Increments: $10,000 Maximum: Lesser of 4X annual earnings or $500,000 Guarantee Issue: $100,000 Dependent Coverage Spouse (Employee participation required) Increments: $5,000 Maximum: 50% of employee amount up to $250,000 Guarantee Issue: Less than 60 - $30,000: Over 60 – No GI Child(ren) (Employee participation required) Increments: $2,000 Maximum: $10,000 (19 years (23 if FT Student)) Guarantee Issue: $10,000

Voluntary Life Benefit This is your Annual Enrollment opportunity to make changes to your coverage amount, or request to enroll for coverage under the plan. This is NOT an open enrollment. If you did not enroll when you were initially eligible, you may request enrollment now, but your request will be subject to Evidence of Insurability.

Dental – UCCI (Slight increase in rates - Benefits stay the same) Covered Services: Preventive Services (Deductible Waived) Includes oral exams, cleaning, fluoride treatments, bitewing x-rays, sealants and space maintainers 100% Exams – 1 per 6 Months Cleanings – 1 per 6 Months Basic Services Includes procedures such as fillings, extractions, oral surgery, general anesthesia, palliative treatment 80% after deductible Major Services – 6 month waiting period for new hires Includes crowns, bridges and dentures 50% after deductible Orthodontia (Deductible Waived) Children only up to age 19 50% $1,000 Lifetime Max (per insured) Deductible (Applied to Basic & Major Services) $50 ($150 family) Maximum Benefit per Calendar Year $1,000 per insured for Preventive, Basic & Major Services combined

Per Pay Period Premium Costs Voluntary Dental Plan Employee Only $14.34 Employee & Spouse $28.27 Employee & Child(ren) $26.69 Employee & Family $44.21 * 24 Pay periods

Voluntary Vision Plan - EyeMed Slight Rate increase and Benefits Stay the same $10 copay for Exam with Dilation (Every 12 months) Contacts - $115 Allowance Conventional and Disposable Frames - $100 Allowance (Every 24 Months) Lens Allowances (Once every 12 Months): $25 copay for Single Vision $25 copay for Bifocal $25 Copay for Trifocal $25 Copay plus 20% off retail less $55 allowance for Standard Progressive Refer to more detailed Plan Summary “Online”

Per Pay Period Premium Costs Voluntary Vision Plan Employee Only $2.58 Employee & Spouse $4.88 Employee & Child(ren) $5.13 Employee & Family $7.54 * 24 Pay periods

Other Benefits myuhc.com – Your resource and access to relevant and helpful tools Treatment Cost Estimator Provider Search Quicken Health Expense Tracker Cost & Quality Ratings Enhanced Personal Health Record Make sure you visit Health Care Lane!

Other Benefits Care24 – EAP 24/7 access to nurses or master’s level counselors Health Education Medical Triage – 24/7 UHC’s Wellness Program – Simply Engaged (Watch for additional information) Health Assessment (20 minute questionnaire) Online Coaching Healthy Mind, Health Body Newsletter Incentives from $75 to $350 for participating.

Other Benefits Voluntary Products Cancer Hospital Supplement Accident Short Term Disability Contact 1-877-282-0808 for product details and instructions how to enroll

ACTION All Employees should review and verify his or her name, address and dependent information by December 22, 2013. Any changes in your benefit elections also need to be confirmed by December 22, 2013 REMEMBER – If you are currently enrolled in a medical option, you will default to your existing election if no benefit election is completed online. If you are not enrolling, you must Waive coverage via the online enrollment system. www.buscobenefits.com

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