0. 2015 Benefit Programs – Annual Enrollment

1. 2015 Benefit Programs Agenda
Annual Enrollment
Benefit Menu
2015 Plan Changes
Questions?

2. 2015 Benefit Programs Annual Enrollment
Annual Enrollment begins Wednesday, May 20th and closes at 11:59pm on Friday, May 29th
If you do not wish to make changes to current elections, you do not have to do anything
To make election changes:
Complete the paper enrollment form and scan/fax in the form to Human Resources attention Silvia Arias or Sami Kirkewood at (310)

3. 2015 Benefit Programs Annual Enrollment
Annual Enrollment is when you can:
Compare your current elections with the 2015 benefit plan to ensure your benefits continue to meet your needs
Add/Delete medical, dental or vision coverage for yourself or your eligible dependents
Make changes to your current life insurance levels for you and/or your eligible dependents
Voluntary Plans will be available for changes in October We will announce a special enrollment in September 2015.
Any changes made during Annual Enrollment will become effective July 1, 2015
New medical ID cards will be issued if you make plan election changes
No benefit changes are allowed during the year unless you experience a qualifying event
Changes related to qualifying events must be requested within 30 days of the event
A qualifying event includes:
Marriage/Death of a spouse
Birth/adoption/placement for adoption of a child
Divorce/legal separation or annulment
Significant change in benefits

4. 2015 Benefit Programs Current Benefit Menu
Medical Insurance with Aetna
Dental Insurance with Aetna
Vision Insurance with Vision Service Plan (VSP)
Employee Assistance Plan (EAP) with Aetna
Disability Benefits with Voya Financial formerly ING
Long Term Disability
Basic Life/AD&D and Voluntary Life and AD&D with Voya Financial formerly ING
Flexible Spending Accounts with ADP
Healthcare Spending Account (FSA)
Dependent Care Account

5. 2015 Benefit Programs Benefits and Employee Contributions
NEW Aetna Choice POS II HSA medical plan – LOWER employee contribution cost alternative
NEW Voluntary Health Savings Account (HSA) administered by: Wells Fargo Bank
NEW Teladoc offered to Aetna members
Employee medical, dental, vision contributions for current benefits will be continuing without change for the third consecutive year!

6. 2015 Benefit Programs Annual Enrollment Communication Resources
Annual Enrollment News
Benefits at a Glance Booklet
Please review all communication materials as this provides most answers to your questions.

7. 2015 Benefit Programs NEW Aetna Choice POS II HSA Medical Benefit
In-Network
Out-of-Network
Deductible*
Single
Family
$1,300
$2,600**
$2,000
$4,000**
Out-of-pocket maximum
$3,000
$6,000
$12,000
Coinsurance
Deductible then 20%
Deductible then 40%
Office Visit
Specialist
Preventive
No copay
Inpatient Hospital
Outpatient Hospital
Emergency Room
Urgent Care
Pharmacy Co-pay
Mail Order
Deductible then:
$10 / $30 / $60
$20 / $60 / $120
Not covered
Deductible: If you currently participate in the Choice POS II PPO plan and enroll in the POS II HSA, any deductible amount paid in 2015 will be credited towards the HSA deductible. HSA Prescription Drugs: The full cost of the drug is applied to the deductible before any benefits are considered for payment under the pharmacy plan
In-network PCP: If your doctor refers you to a specialist, please make certain that specialist is in-network by checking the Aetna.com website.
Urgent Care: If you are having a non-emergency, but need to see a doctor for common health issues, urgent care is available for your immediate needs.
How do I save for medical expenses under this plan?
If you enroll in the Aetna Choice POS II HSA you have the option to also participate in a Health Savings Account (HSA). An HSA works similar to a health care Flexible Spending Account (FSA) in that it allows you to pay for IRS qualified 213(d) health care expenses with pre-tax dollars.
There are several advantages to opening an HSA account…
*All covered expenses accumulate simultaneously toward the in-network or out-of-network deductible per calendar year. You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use.
** Once the Family Deductible is met, all family members will be considered as having met their Deductible. There is no Individual Deductible to satisfy within the Family Deductible.
Summary of plan changes for presentation purposes. Standard Plan Documents provide formal details and supersede any other informational material

8. Why invest in an HSA? You own the money in your HSA
2015 Benefit Programs NEW Health Savings Account
Why invest in an HSA?
You own the money in your HSA
You are never required to spend the money
Tax savings come from contributions and gains on your balance
HSA dollars can be used to pay for qualified expenses for you, your spouse, and tax dependents – even if they are not on your health plan
You can save the funds in your HSA throughout retirement – or use anytime before you retire
2015 IRS contribution limits (To be pro-rated for the year beginning 7/1/15).
$3,350 for individual coverage ($ per month max)
$6,650 for family coverage ($ per month max)
$1,000 catch-up for employees age 55 or older

9. Broad range of expenses your HSA covers
2015 Benefit Program Health Savings Account Resources
Broad range of expenses your HSA covers
Doctor’s office
Lab work
Hospitalization
Vision (contacts, glasses)
Note that over the counter medications are not considered qualified expenses unless you have a prescription.
See the full list at wellsfargo.com/hsa.
This is a sample list. Other qualified expenses, if you are no longer working, Medicare premium, COBRA premium and Long Term Care Premium.
Individuals are responsible for determining if expenses are eligible under the Internal Revenue Code.
Qualified healthcare expenses
Prescriptions
Dental work and braces
Acupuncturist
Chiropractor
You can use your HSA dollars to cover:
Eye exam
Eye surgery (Lasik)
Hearing aids
If an HSA expenditure is not used for a qualified medical expense, you will be required to pay income tax and 20% penalty on the amount used.
Did you know?
You can use your HSA to pay for qualified healthcare expenses for your spouse or tax dependents − even if they’re not covered by your health plan.

10. 2015 Benefit Programs NEW Health Savings Account

11. 2015 Benefit Programs NEW Health Savings Account
Health Savings Account (HSA):
Once enrolled in the Aetna Choice POS II HSA, you may open a Health Savings Account with Wells Fargo Bank.
HSA contributions will be via payroll deduction (26 pay periods): The funds available for your qualified medical expenses will accumulate per pay period.
How to open a HSA with Wells Fargo Bank:
Complete the Benefits Enrollment (see below) and authorization forms provided by HR to open the HSA Visa savings account.
A Welcome kit will be sent to the home address of each employee enrolled in the Aetna Choice II HSA.
Follow the steps in the kit to activate your account. The kit will also include the HSA Visa card.
After you activate the account contact if you would like an additional card for your spouse.
If the card is lost or stolen, please contact customer service to obtain a new card.
Funds must be in the health savings account to access. If funds are not available in your account the expense will not process.
TAP will pay standard monthly Health Savings Account fee for active employees.
If you currently have Health Care FSA with ADP you cannot open a Health Savings Account until January 1, 2016 but you must enroll in Aetna Choice POS II HSA now during annual enrollment.
C MEDICAL PLAN OPTION
WF HSA Account
(per pay period)
□ AETNA POS II (PPO)
□ AETNA SELECT (EPO)
AETNA POS II (HSA)
Please deduct the following amount per payroll: $
Employee Max: $128.84
Family Max: $255.76
If you already have a Wells Fargo checking or savings account, the HSA would be another account visible when you sign on, so there is no additional usernames or passwords to remember.
You can change the HSA contribution at any time during the year.

12. As a new accountholder you will receive
2015 Benefit Program Health Savings Account Resources
As a new accountholder you will receive
1. Welcome kit and debit card
Soon after enrolling
2. Welcome s
Two within first 60 days
Once you enroll you’ll receive:
A mailed welcome kit with tips to get started with your account. You’ll also receive in separate mailings your HSA debit card, followed a couple days later by your PIN. Be sure to activate your card and use these to sign for online account access at Wells Fargo online.
Two welcome s within the first 60 days. These include tips for how to get the most out of your account and have links to our informational HSA videos and more. The web link is located in the Benefit Guide.
Quarterly newsletters with more insight to get the most our of your HSA.
Be sure to provide your address during your employer’s enrollment process, if given the chance. You can also add your once you are signed up for online banking.
3. Quarterly newsletter
Ongoing

13. Multiple convenient ways to transact and pay
2015 Benefit Programs Health Savings Account Resources
Multiple convenient ways to transact and pay
Wells Fargo Visa® HSA debit card
Use Bill Pay to pay providers directly
Pay with Apple PayTM (iPhone 6 users)
Transact using our mobile app
Transfer to bank accounts using Wells Fargo Online®
Cash reimbursement at over 12,000 ATMs nationwide
Over 6,200 Wells Fargo banking stores nationwide
HBS-029

14. 2015 Benefit Programs Employee Contribution
TAP will absorb the 2015 renewal costs and keep employee contributions the same as the last three years. TAP will also continue to pay 100% of the cost of coverage for the Basic Life/AD&D, LTD and EAP plan.
Employee Bi-Weekly Contributions
Employee Only
Employee & Spouse
Employee & Children
Employee & Family
NEW Aetna Choice HSA
$5.00
$15.00
$10.00
$25.00
Aetna Select
$35.47
$171.24
$122.01
$245.36
Aetna Choice PPO
$68.26
$227.86
$173.58
$319.09
Aetna DHMO
$6.41
$11.82
$10.43
$16.92
Aetna DPPO
$12.29
$24.57
$20.63
$32.92
VSP Vision
$4.90
$9.81
$10.50
$16.77
VSP Protec Safety Glasses
$2.27
N/A
Per pay period
Contributions above vary based on location.

15. Determining how much to contribute
2015 Benefit Program Health Savings Account Resources
Determining how much to contribute
Consider these options
Do you think your costs could be roughly the same this year? If so, target that amount.
Think about how much you spent last year
Set aside funds for those expenses – tax free1 – or pay yourself back once you build up the balance.
Any medical, dental or vision costs coming up?
Save enough to cover your health plan’s deductible or out of pocket maximum.
Prepare your safety net
Here are a few tips to think about if you can’t decide how much to contribute to your HSA. For example, if I’m spending $1,000 per year in healthcare expenses, my contribution will be $38.46 per pay period.
Determining how much to contribute depends on how much you will use the account. Here are four common ways accountholders use their HSA
If you expect your costs to be similar to those you had last year, plan to set aside at least that amount.
If you have expenses coming up, like a planned surgery or dental procedure, be sure to fund your account and pay from your HSA. If you don’t have the funds in your HSA at the time of service, it’s ok. You can pay out of pocket and then pay yourself back with funds from your HSA as you build up the balance.
Safety net – you may not have many expenses today, but down the road something unexpected might happen. Build a balance in your HSA to cover your annual deductible, and then if something unforeseen happens, you will have the funds to pay your share of expenses.
Max out your contributions if you can…healthcare costs are the number one concern in retirement.2
Save for retirement
Tax references are at the federal level. State taxes may vary. Please consult a tax advisor.
Wells Fargo/Gallup Investor and Retirement Optimism Index: Factors Influencing When Non-Retirees Are Financially Able to Retire, Feb 2012. 15

16. 2015 Benefit Programs Examples
Charges
Aetna Select EPO
James – Single
Aetna Choice POS II HSA
Robert - Single
Bi-weekly EE contribution
$35.47
$5.00
In-network Deductible $0
$1,300
Office Visits (3)
($30 each) $90
($100 each) $300
Rx (3) (Brand)
($50 each) $150
Deductible Satisfied
$450.00
Annual Premium
$922.22
$130.00
Total Expense
$1,102.22
$580.00
These examples illustrate two single employees in the Aetna Select and HSA. Their medical expenses are low, perhaps they’re healthier employees.
Robert’s savings = $522.22
NOTE: This is an example. Actual charges will be different from the example above.

17. 2015 Benefit Programs Life Examples
Charges
Aetna Choice POS II PPO
James - Family
Aetna Choice POS II HSA
Robert - Family
Bi-weekly EE contribution
$319.09
$25.00
In-network Deductible
$1,000
$2,600
Office Visits (6)
($30 Each) $180
($150 each) $900
Rx (6) (Brand)
($30 each) $180
($50 each) $300
Deductible Satisfied $0
$1,200
Annual Premium
$8,296.34
$650.00
Total Expense
$8,656.34
$1,850.00
This example illustrates two Families one on the POS PPO and the other on the HSA. Each family incurs certain expenses under each plan, overall Robert saves more on the HSA due to the difference in contributions.
Robert’s savings = $6,806.34
NOTE: This is an example. Actual charges will be different from the example above.

18. 2015 Benefit Programs NEW Tele Doc Benefit
Teladoc gives Aetna members access to US board-certified doctors who can resolve many of your medical issues by phone and smartphone application 24 hours a day, seven days a week. Video consults are available from 7 a.m. to 9 p.m., seven days a week.
Members pay the PCP copay, the doctor will recommend treatment and a prescription may be provided at a local pharmacy if necessary. Visit teladoc.com/aetna or Call Teladoc ( ).
When can you Teladoc?
What can I use it for?
When you need care now
Cold and flu symptoms
If you’re considering the ER or urgent care center for a nonemergency issue
Bronchitis
Respiratory infection
On vacation, on a business trip, or away from home
Sinus problems
Allergies
For short-term prescription refills
Ear infection and much more
In the event you just can’t get out of bed or drive your car, Teladoc is a great resource available for Aetna members.
Summary of plan changes for presentation purposes. Standard Plan Documents provide formal details and supersede any other informational material

19. 2015 Benefit Programs Aetna Resources
Aetna Navigator®
Find a doctor
Compare costs for office visits, tests and procedures
Save on health-related products and services
Store and share their personal health history
Get instant access to claims and Explanation of Benefits statements
Research prescription drugs
Find forms and order ID cards
Visit teladoc.com/aetna or Call Teladoc ( )
Aetna Resources For Living
Employee Assistance Program (EAP) and Worklife Services
Social Development
Stress Management
Anxiety Depression
Legal and Financial Matters
Worklife Balance
Relationship and Marriage
Child and Elder Care
or visit Username: TAP
Password: EAP
Aetna Mobile app for iPhone and Android
This mobile app works with the iPhone®, iPod touch® and iPad®.
Text Apps to to download
Search for a doctor in-network
View your claims & benefits
Speak with doctor via Teladoc
iTriage link to look up symptoms

20. Thank You!
Questions?
As a reminder, if you do not have any changes, you do not need to do anything. If you would like to make benefit changes effective 7/1, please complete the paper enrollment form by Friday, May 29th. Thank you!