1. Environmental Law Institute | Open Enrollment 2016 | Slide 1 2016 Medical Open Enrollment Environmental Law Institute August 12, 2016

2. Environmental Law Institute | Open Enrollment 2016 | Slide 2 Open Enrollment New plan year: October 1, 2016 – September 30, 2017 ELI is now considered a “small employer” under the Affordable Care Act, and as a DC employer, we are required to renew our medical plan through the Marketplace, “DC Health Link” (DCHL) All employees wishing to elect medical coverage must make elections through DCHL o Can elect coverage for yourself and your eligible dependents o Eligible dependents include your legal spouse or domestic partner and dependent children to age 26 o Current enrollees who wish to opt out of medical coverage will need to log in to DC Health Link to waive Elections are binding until the next open enrollment, unless you experience a qualified life status change Deductibles and plan limits will reset on October 1 2016 Medical Open Enrollment

3. Environmental Law Institute | Open Enrollment 2016 | Slide 3 Open Enrollment DC Health Link Plan offerings divided into four metal tiers - platinum, gold, silver, bronze 60% - 90% coverage in-network based on plan’s actuarial value Plans include pediatric dental and vision benefits (to age 19) Employer required to select a “reference plan” and base contributions on that plan ELI has selected “BlueChoice HMO Referral Gold 500” as the reference plan Employees may elect any CareFirst plan at any metal level; there are currently 53 plans to choose from If you “buy up” you will pay more If you “buy down” you will pay less

4. Environmental Law Institute | Open Enrollment 2016 | Slide 4 Which Plan is Right for Me? HMOAdvantagePPO Health Savings Account (HSA) Network within CareFirst service area MD/DC/NOVA BlueChoice (local network) BlueChoice (local network) BluePreferred (regional PPO network) N/A Network outside of CareFirst service area None – limited to emergency & urgent care only BlueCard (national network) BlueCard (national network) N/A Plan Features Must use in-network providers, expect for true emergency Primary Care Physician (PCP) required, and referrals may be required to see a Specialist Lower premiums, less flexibility Not required to name a PCP and referrals are not needed to see a Specialist Mid-range premiums, some flexibility Not required to name a PCP and referrals are not needed to see a Specialist Highest premiums, most flexibility High-deductible health plan paired with a savings account, known as an HSA Tax-savings vehicle All services, including prescription drugs (except in-network preventive care) are subject to the deductible. Subject to IRS limits and regulations

5. Environmental Law Institute | Open Enrollment 2016 | Slide 5 Insurance Terms Deductible: an amount of money the insured must pay out-of-pocket before the insurance policy will pay for eligible services Co-pay: a flat dollar amount the insured must pay for an eligible service Coinsurance: a fixed percentage of the cost paid by the insured for eligible services Out-of-Pocket Maximum: the maximum amount of money the insured will pay in deductibles, co-pays, and coinsurance, for eligible services during the plan year

6. Environmental Law Institute | Open Enrollment 2016 | Slide 6 Insurance Terms Plan Allowance: the maximum amount the insurance policy will pay for a specific health service Balance Billing: the difference between the insurance policy’s plan allowance and the provider’s actual charge for a specific health service. When using out of network providers, the insured is responsible for these costs and they do not count toward the deductible or out-of-pocket maximum. Reference Plan: plan selected by employer and used to set employee contributions. Employees may select any available option, however employee premium costs will change based on the plan option selected.

7. Environmental Law Institute | Open Enrollment 2016 | Slide 7 HMO Comparison (Reference Plan) Benefit DescriptionCurrent ELI HMO HealthyBlue HMO Option A (Open Access Plan—Referrals Not Required) DCHL Reference Plan BlueChoice HMO Referral GOLD 500 (Referrals Required) Deductible (Calendar Year changing to Contract Year) IN: $300 per Indiv / $600 Family Cap OUT: N/A IN: $500 per Indiv / $1,000 Family Cap OUT: N/A CoinsuranceIN: 0% OUT: N/A IN: 0% OUT: N/A PCP/Specialist Visits$0 PCP/$30 Specialist$15 PCP/$30 Specialist HospitalizationDeductible then $300 per admissionDeductible then $400 per admission ER Facility Fee$200 (Waived if Admitted)Deductible then $250 (Waived if Admitted) Urgent Care $50 Prescription Drug 34-Day Supply 90-Day Supply Generic / Preferred / Non-Preferred / Self-Injectables $15 / $35 / $60 / 50% to $100 $30 / $70 / $120 / 50% to $200 Mandatory Generic Applies Generic / Preferred / Non-Preferred / Specialty $250 Rx Deductible $10 / $45 / $65 / 50% to $150 $20 / $90 / $130 / 50% to $300 Mandatory Generic Applies Note: additional $50 facility charge if Office Visits, Labs & Testing rendered on a hospital campus Out-of-Pocket Maximum (Calendar Year changing to Contract Year) IN: $4,500 per Indiv / $9,000 Family Cap Out: N/A (Copays, Coinsurance, Deductible, Rx) IN: $4,000 per Indiv / $8,000 Family Cap OUT: N/A (Copays, Coinsurance, Deductible, Rx)

8. Environmental Law Institute | Open Enrollment 2016 | Slide 8 POS Comparison Benefit DescriptionCurrent ELI POS BlueChoice Opt Out Open Access Option B Most Similar DCHL Plan BlueChoice Plus GOLD 500 Deductible (Calendar Year changing to Contract Year) IN: $500 per Indiv / $1,000 Family Cap OUT: Combined with in-network IN: $500 per Indiv / $1,000 Family Cap OUT: $500 per Indiv / $1,000 Family Cap (In & out accumulates separately) CoinsuranceIN: 0% / OUT: 20%None (copays) (and out of network balance billing) PCP/Specialist VisitsIN: Deductible then $20 PCP/$30 Spec OUT: Deductible then 20% IN: $15 PCP/$30 Specialist OUT: Deductible then $50 PCP/Specialist HospitalizationIN: Deductible OUT: Deductible then 20% IN: Deductible then $400 per admission OUT: Deductible then $500 per admission ER Facility FeeIN: Deductible then $100 OUT: Same as in-network IN: Deductible then $250 OUT: Same as in-network Urgent Care IN: Deductible then $30 OUT: Same as in-network IN: $50 OUT: Same as in-network Prescription Drug 34-Day Supply 90-Day Supply Generic / Preferred / Non-Preferred / Self-Injectables Rx OOP Max $3,500 per Indiv / $7,000 Family Cap $15 / $35 / $60 / 50% to $100 $30 / $70 / $120 / 50% to $200 Mandatory Generic Applies Generic / Preferred / Non-Preferred / Specialty $250 Rx Deductible $10 / $45 / $65 / 50% to $150 $20 / $90 / $130 / 50% to $300 Mandatory Generic Applies Note: additional $50 facility charge if Office Visits, Labs & Testing rendered on a hospital campus Out-of-Pocket Maximum (Calendar Year changing to Contract Year) IN: $2,500 per Indiv / $5,000 Family Cap OUT: Combined with in-network (Copays, Coinsurance, Deductible) IN: $4,000 per Indiv / $8,000 Family Cap OUT: $8,000 per Indiv / $16,000 Family Cap (Copays, Coinsurance, Deductible, Rx)

9. Environmental Law Institute | Open Enrollment 2016 | Slide 9 BlueChoice Advantage Comparison Benefit DescriptionCurrent ELI BCAdv BlueChoice Advantage Option 4 Most Similar DCHL Plan BlueChoice Advantage Platinum O Deductible (Calendar Year changing to Contract Year) IN: None OUT: $500 per Indiv / $1,000 Family Cap IN: None OUT: $1,500 per Indiv / $3,000 Family Cap CoinsuranceIN: 0% / OUT: 30%None (copays) (and out of network balance billing) PCP/Specialist VisitsIN: $20 PCP/$20 Spec OUT: Deductible then 30% IN: $10 PCP/$20 Specialist OUT: Deductible then $40 PCP/Specialist HospitalizationIN: $250 per admission OUT: Deductible then 30% IN: $200 per admission OUT: Deductible then $300 per admission ER Facility FeeIN: $100 OUT: Same as in-network IN: $100 OUT: Same as in-network Urgent Care IN: $20 OUT: Same as in-network IN: $50 OUT: Same as in-network Prescription Drug 34-Day Supply 90-Day Supply Generic / Preferred / Non-Preferred / Self-Injectables Rx OOP Max $4,500 per Indiv / $9,000 Family Cap $15 / $35 / $60 / 50% to $100 $30 / $70 / $120 / 50% to $200 Mandatory Generic Applies Generic / Preferred / Non-Preferred / Specialty $10 / $45 / $65 / 50% to $150 $20 / $90 / $130 / 50% to $300 Mandatory Generic Applies Note: additional $50 facility charge if Office Visits, Labs & Testing rendered on a hospital campus Out-of-Pocket Maximum (Calendar Year changing to Contract Year) IN: $1,500 per Indiv / $3,000 Family Cap OUT: $3,000 per Indiv / $6,000 Family Cap (Copays, Coinsurance, Deductible) IN: $1,500 per Indiv / $3,000 Family Cap OUT: $3,000 per Indiv / $6,000 Family Cap (Copays, Coinsurance, Deductible, Rx)

10. Environmental Law Institute | Open Enrollment 2016 | Slide 10 Contributions and Premium ELI Portion Based on HMO Reference Plan For Employees under age 55, ELI contributing: 75% of reference plan for Employees 55% of reference plan for Dependents For Employees age 55 and older, ELI contributing: 85% of reference plan for Employees 55% of reference plan for Dependents Your Portion Premiums based on age of each individual Family premium based on total cost for all covered family members Premium charge for children <21 limited to first three children DCHL will factor in ELI contributions and display your monthly portion

11. Environmental Law Institute | Open Enrollment 2016 | Slide 11 Enrolling via DC Health Link Go to www.dchealthlink.com and click the red “Get Started” under the Employeewww.dchealthlink.com Three steps to enroll will appear; click “Continue” to get started Enter your email address and create a password (minimum 8 characters), then click “Create Account” Set Up Your Account Step 1: enter your personal information and click “Continue” Step 2: DC Health Link will match you to your employer. Verify the employer information is correct, then click “Continue”

12. Environmental Law Institute | Open Enrollment 2016 | Slide 12 Enrolling via DC Health Link Step 3: Fill out your contact information and click “Continue” Enter information for any eligible family members and indicate which family members you wish to cover Shopping for a Health Plan Step 1: Review available plans and use filters to compare plan designs and costs Step 2: Select your plan by clicking the “Select Plan” button Step 3: Review your selection and click “Confirm” or, click “Waive Coverage” if you do not wish to enrolled in a medical plan (you will be prompted to enter a reason) Step 4: Review election summary page and click “Continue” Step 5: View final enrollment summary (you can also click “Make Changes” to edit your election during open enrollment) Go to https://dchealthlink.com/sites/default/files/v2/forms/Employees-How-to-Enroll-in-a- Plan-through-DC-Health-Link.pdf to access the New User Guide for additional informationhttps://dchealthlink.com/sites/default/files/v2/forms/Employees-How-to-Enroll-in-a- Plan-through-DC-Health-Link.pdf Deadlines Deadline to enroll is September 10, we encourage you to enroll no later than September 7 DC Health Link will not make ANY exceptions for late enrollments

13. Environmental Law Institute | Open Enrollment 2016 | Slide 13 CareFirst Member Resources MyAccount and Mobile App View covered services Check status of annual deductibles and out of pocket limits Access personal claims information, including EOBs, and ID card information Access drug and pharmacy tools and resources Manage BlueRewards program Health and Wellness Blue 365 - provides discounts for non-covered medical services such as acupuncture and massage therapy, fitness training, personal training, weight management programs, etc. Health and wellness apps and newsletters NEW! Video Visits Connect with a doctor any time of day via computer or smartphone For treatment of uncomplicated, non-emergency health concerns Video Visit doctors provide consultation, diagnosis and prescriptions, as needed Same cost as a sick visit to your PCP (up to a max of $60) Visit www.carefirst.com/needcare or download the Video Visit appwww.carefirst.com/needcare

14. Environmental Law Institute | Open Enrollment 2016 | Slide 14 Blue Rewards - Incentive Process How much can be earned? Blue Rewards is an incentive program that motivates employees and eligible dependents to get healthy and get rewarded! Employees and eligible dependents can earn up to $600 per adult and $1,500 per family for taking an active role in their health. Participation Incentive Outcomes Incentive Participation + Outcomes AdultChild Family Maximum AdultChild Family Maximum AdultChild Family Maximum 2016 PCMH$100$25 $500 +$200$50 $1,000 =$300$75 $1,500 2016 PCMH Plus$200$50+$400$100=$600$150 CareFirst Blue Rewards Program

15. Environmental Law Institute | Open Enrollment 2016 | Slide 15 Next Steps Beginning on Monday, August 22, login and register with DC Health Link Research and submit your medical plan election, or waive coverage The enrollment deadline is September 10, we encourage you to enroll no later than September 7 Information on other ELI benefits, including FSA, will be forthcoming