1. Employee Webcast

2. 2015 Open Enrollment Highlights
You play an important role in helping Kindred deliver quality care every day in communities across the country
Our goal is to provide a benefits plan that helps you manage your total health, take responsibility for yourself and your family and save money and thrive in the future
As in 2013 and 2014, we will continue to offer Consumer Directed Healthcare Plans, Health Savings Accounts and a Wellness Program 2

3. 2015 Open Enrollment Highlights
We have made some changes to the plans to meet the requirements of the Affordable Care Act (ACA) and to provide greater cost transparency
We are introducing a new option, the Value Plan
We modified the Flexible Choice and Consumer Choice options and adjusted employee contributions - the company subsidy is now exactly the same for all plans
HSA funding strategy has been modified
Wellness program requirements have been increased 3

4. 2015 Open Enrollment Highlights
Addition of a new medical plan in 2015 – Value Plan
Provides the lowest employee contributions in exchange for the highest deductibles
All prescriptions are subject to the deductible, except as required by the Affordable Care Act (ACA)
You may contribute to the HSA, but there is no company contribution or match
Consumer Choice deductible increase
$2,200 for single coverage
$4,400 for dependent coverage
Networks changes in limited areas
Your eligibility forms and enrollment guides will specify applicable networks

5. 2015 Open Enrollment Highlights Health Savings Account
Kindred’s contribution to the HSA will be made each pay period rather than as a lump sum at the beginning of the year
Kindred’s contributions and match to the HSA will vary depending on which health plan you choose
Flexible Choice
If you choose the most comprehensive plan, Kindred will, over the course of the year, contribute up to $300 to your HSA if you cover only yourself or $600 if you cover dependents
You can also contribute additional money each pay period, and Kindred will match up to $300 per year at a rate of up to $25 per month
Consumer Choice
With this plan, Kindred will, over the course of the year, contribute up to $375 to your HSA if you cover only yourself or up to $750 if you cover dependents
There is no company match
Value Plan
Allows you to contribute to an HSA, but there is no company contribution or match

6. 2015 Plan Summary Flexible Choice Consumer Choice Value Plan
Flexible Choice
Consumer Choice
Value Plan
KND HSA Funds (single / family)
Up to $300 / $600 annually
Match up to $300/year
Up to $375 / $750 annually
No Match
$0 company funding
In-Network
Out-of-Network
Deductible (single / family)
$1,500 / $3,000
$4,000 / $8,000
$2,200 / $4,400
$2,800 / $5,600
$5,000 / $10,000
Out-of-Pocket (single / family)
$4,500 / $9,000
$12,000 / $24,000
$6,000 / $12,000
Hospital
20% after deductible
40% after deductible
30% after deductible
50% after deductible
Office Visits
Preventive: Covered at 100%
Adult preventive: Not covered
Child preventive:
Other: 20% after deductible
40% co-ins, after deductible
Other: 40% after deductible
Other: 30% after deductible
50% co-ins, after deductible
Other: 50% after deductible
Pharmacy
Preventive: select preventive generics free, otherwise coinsurance but no deductible
Non-preventive: subject to overall medical deductible and then coinsurance
All drugs subject to deductible
Preventive: 20% coinsurance
Non-preventive:
Retail: Generic 20%; Brand 30%; Non-preferred Brand 50% Mail: Generic 20%; Brand 30%; Non-preferred Brand 50%
Retail: Generic 20%; Brand 30%; Non-preferred Brand 50%
Mail: Generic 20%; Brand 30%; Non-preferred Brand 50%

7. 2015 Open Enrollment Highlights Wellness and the Healthy Rewards Rate
Kindred is about health – it’s who we are
We are committed to providing rewards for employees who demonstrate and pursue healthy behaviors, so take the steps to earn the Healthy Rewards rate
You can save up to an additional $900 per year if you cover only yourself or yourself and your children, and $1,800 per year if you cover your spouse/domestic partner
We continue to partner with Limeade to help you lead a healthy lifestyle, achieve your health goals and have fun at the same time
Limeade will provide tools, resources and support in your endeavors to lose weight, reduce stress, live healthier and stop smoking 7

8. HealthyStepsWellness.com 8

9. 2015 Healthcare Benefits Overview Other Program Changes
Long-Term Disability (LTD)
LTD benefit duration will be based on years of employment
Dependent Life Insurance
Spouse benefit increased to $10,000
Child benefit (age 6 months – 23) increased to $5,000
PIB
PIB will no longer be offered

10. Key Dates to Remember
October 15 Online Well-being Assessments will be available at Must be completed by December 15 to qualify for the Healthy Rewards rate in 2015.
Late October/Early November Employee meetings.
November 4 – November 21 RehabCare, Support Center and Kindred at Home
Employees access information at . Employees
must call the Kindred Enrollment Call Center to
make 2015 elections or changes.
November 6 – December 1 Hospital Division, NCD Employees must call the Kindred Enrollment Call Center to make 2015 elections or changes.
December 12 Deadline for submitting dependent documentation. Deadline to complete Well-Being Assessment at
January 1, 2015 New benefit elections take effect.
January 1 – January 31, 2015 Biometric screenings. 10

11. Healthcare Reform Information
Helpful Tools for Open Enrollment Communication
Text Messages
Kindred App
ACA Website
Text
healthysteps
to 30364
Free App available in the Apple App Store,
Google Play and Amazon
Healthcare Reform Information 11 11

12. Steps for Open Enrollment
First...
Then...
Finally...
Read through the
enrollment guide
carefully to decide what
works best for you/your
family. Learn what’s
available to you for 2015
and what has changed
from last year.
Call the Enrollment Call
Center during your
designated times to
confirm your choices
and enroll in an HSA if
you choose one of the
healthcare plans.
If you enrolled in a
healthcare plan, take
advantage of the new
opportunities to learn
more about your health
by completing your
Well-Being Assessment
by December 15, 2014. 12

13. Q & A 13

14. Thank You! 14