1. 2013 Annual Enrollment Meeting Annual Enrollment is November 19 – November 30

2. Welcome to 2013 Annual Enrollment Whats Changing for 2013 Medical Plan Review Prescription Drug Plan Review Flexible Spending Accounts Tools and Resources Benefit Reminders How to Enroll Questions & Answers 2

3. Whats Changing for 2013 You do not need to actively enroll this year unless you want to: Change your coverage options Enroll in Flexible Spending Accounts (FSAs) Some changes to medical, prescription, life and AD&D and disability for 2013.

4. Whats Changing for 2013 Medical plan changes One medical plan offered. –Fully-insured, Traditional Plan with Deductible administered through UnitedHealthcare (UHC). Consumer Advantage Plan will be discontinued December 31, 2012. –If you currently are enrolled in this plan – and you do not make an active election – you automatically will be enrolled in the Traditional Plan with Deductible for 2013. –Beginning January 1, 2013, you will no longer be able to make contributions to your Health Savings Account (HSA). However, you may continue to use the existing funds to pay for eligible health care expenses. Read more about this change and the Health Savings Account fees in your newsletter.

5. Whats Changing for 2013 Other changes related to medical coverage New medical/prescription ID card Moderate increase in medical premiums Prescription Drug changes Carrier is changing from Medco to OptumRx Some plan design changes Dental Plan Moderate increase in dental premiums except for employee/spouse

6. Whats Changing for 2013 Life/Accidental Death and Dismemberment (AD&D) changes Carrier is changing from Minnesota Life to CIGNA No plan design changes No premium increase Open enrollment for all employees / no EOI required for coverage under guaranteed issue amounts –Optional Life $500,000 –Spouse Life $ 50,000 Short Term Disability/Long Term disability changes Carrier is changing from Liberty Mutual to CIGNA No plan design changes Still company paid

7. Whats Changing for 2013 FSA/Health Care Spending Account change You can contribute any amount from $50 to $2,500 to the Health Care Spending Account. Due to health care reform legislation, the annual maximum contribution amount was reduced. Hyatt Legal Plan change Plan will end effective 12/31/2012

8. Medical Plan Review Traditional Plan with Deductible Access to UHC Choice Plus network of providers. –Same network as current UHC plans Slight changes to the plan for 2013. You can participate in the Health Care FSA along with this plan.

9. Medical Plan Highlights 9 Type of CoverageNetwork BenefitsNon-Network Benefits Deductible$250 individual per year $500 family per year $500 individual per year $1,000 family per year Out of Pocket*$2,250 individual per year $4,500 family per year $4,500 individual per year $9,000 family per year Coinsurance85% after deductible60% after deductible Preventative CarePlan Pays 100%Not Covered Physician Office Services$25 copay for Primary (Deductible waived) $40 copay for Specialist (Deductible waived) 60% after deductible Emergency RoomYou pay $175, waived if admitted. Ambulance (prior authorization required for non-emergency) Plan pays 85% after deductible Inpatient HospitalPlan pays 85%, after deductiblePlan pays 60%, after deductible (Prior authorization is required) Outpatient HospitalPlan pays 85%, after deductiblePlan pays 60% after deductible (Prior authorization is required) Urgent Care Center$40 copay (Deductible waived)60% after deductible *The Out-of-Pocket Maximum includes the Annual Deductible.

10. Prescription Drug Plan Review If you elect medical coverage for yourself or your eligible dependents, you will automatically receive prescription drug coverage through OptumRx. The table on the next slide provides an overview of the prescription drug coverage.

11. Prescription Drug Plan Review OptumRx Tier LevelRetail (up to 31 day supply) Mail Order (up to 90 day supply) NetworkNon-NetworkNetwork Tier 1$10 $25 Tier 2$30 Tier 3$60 $150 Note: If you purchase a prescription drug from a Non-Network pharmacy, you are responsible for any difference between what the Non-Network charges and the amount the plan would have paid for the same prescription drug dispensed by a Network pharmacy.

12. Prescription Drug Plan Review Mail order no longer mandatory for maintenance drugs Generic drugs no longer mandatory Current prescriptions for maintenance drugs will not transfer (new prescription will be required for OptumRx mail service) Some drugs can require Step Therapy or Prior Authorization

13. Flexible Spending Accounts (FSA) You can contribute any amount from $50 to $2,500 to the Health Care FSA. Due to health care reform legislation, the annual maximum contribution amount was reduced. You can contribute any amount from $50 to $5,000 to the Dependent Care FSA. Reminder: Must make a new election each year

14. Tools and Resources Ryman Newsletter New! www.rymanbenefits.com. Find the latest benefits news, contact information for benefits providers, answers to frequently asked questions, forms and much more 24 hours a day/7 days a week from any computer with internet access. Enrollment kit 2013 Benefits Guide available on rymanbenefits.com –Benefits Guide will not be mailed 2013 SPDs will also be available on rymanbenefits.com soon.

15. Tools and Resources Your Benefits Resources TM (YBR) website YBR Mobile access Your Spending Accounts (YSA) website Myuhc.com –Physicians and facilities –Quicken Health Expense Tracker –Personal health record –DocGPS for mobile phones –And more! Your Human Resources Department

16. Benefit Reminders Elections are final and can only be changed if you experience a qualified change in status, such as divorce, birth, etc. –You must notify YBR within 31 days of the event Dependents include your spouse, certified domestic partner and your or your spouses/domestic partners dependent children up to age 26 –Any new dependents or previous dependents not certified must be verified before coverage will become effective

17. How to Enroll Go to ybr.com/starlife and follow the instructions If you forgot your User ID or password –Locate the Log On Help –Select I Forgot My User ID or I Forgot My Password –Enter the last four digits of your SSN and your date of birth –Follow the on-screen instructions to establish a User ID or have a new password sent to you via e- mail or mail

18. How to Enroll After you make your benefit elections online, print the Completed Successfully! page –If you need to make additional changes be sure to contact YBR immediately Call YBR to speak to a representative at 1-888-GET- YBR1 Use YBR Mobile Access on your smartphone

19. Questions & Answers Reminder: Annual enrollment begins November 19 and ends November 30 Thank you for attending todays session Annual enrollment November 19th through November 30th 19