1. 2015 BENEFIT INFORMATION Open Enrollment and New Hires

2. MEDICAL BENEFITS administered by Remaining with current carrier, UMR (a UnitedHealthcare company) Reduced Tier 1 (Berger Health System) Office Visit copays – $10 / $25; plus, $0 when you visit a Nurse Practitioner! Reduced Tier 1 (Berger Health System) Out-of- Pocket Maximum – $2,000 / $4,000 New Rx Out-of-Pocket Maximum – $2,000 / $4,000

3. DENTAL BENEFITS administered by NO CHANGES TO DENTAL PLAN! $50 Deductible/person/year Benefit Max – $1,000 /person/year Ortho Benefit Max – $1,500/person/lifetime Diagnostic/Preventive – 100% Basic Services – 80% Major Services – 50% Orthodontic Services – 60%

4. VISION BENEFITS administered by NO CHANGES TO VISION PLAN! WellVision Exam (every 12 months) – $5 Copay Prescription Glasses (every 24 months) – $10 Copay Frames (every 24 months) Lenses (every 12 months) Special member pricing and discounts!

5. INCOME PROTECTION administered by Group Life/AD&D – Company Paid Group LTD – Company Paid Voluntary Life/AD&D – Employee Paid; for employees and dependents Voluntary STD – Employee Paid; benefit coordinates with Group LTD Voluntary Long Term Care – Employee Paid; different options available

6. FSA: FLEXIBLE SPENDING ACCOUNT administered by Health Care FSA – New maximum election amount up to $2,500 Use for: Deductibles, copays, coinsurance Dental and vision expenses Dependent Care FSA – Maximum election amount up to $5,000 Use for: Expenses are reimbursable for dependent children to age 13 and eligible dependent adults

7. EAP: EMPLOYEE ASSISTANCE PROGRAM administered by NEW effective 1/1/2015! LifeBalance is available to employees, family members and anyone significant to an employee. LifeBalance program offers fast, free, confidential help whenever you need it. Services include: – 24/7 Toll-Free Access – Face-to-Face Assistance – Web Resources

8. 2015 EMPLOYEE CONTRIBUTIONS TypeCost per Pay* Employee$77.00 Employee + Child(ren)$126.00 Employee + Spouse$158.00 Family$183.00 TypeCost per Pay Employee$6.50 Employee + One$15.25 Family$29.00 TypeCost per Pay Employee$3.50 Family$10.50 All premium amounts listed below will be deducted from the employees pay on a pre-tax basis. MEDICAL *Spouses that have access to health insurance, but chose to be enrolled in Berger Health System’s group health plan will be assessed a $50 per pay surcharge, automatically deducted from the employee’s paycheck. DENTAL VISION

9. WELLNESS DayTimeDayTime October 27, 2014, Community Room 6:00am – 1:00pm November 14, 2014, Class Room 1 & 2 6:00am – 1:00pm October 28, 2014, Class Room 1 & 2 6:00am – 1:00pm November 21, 2014, Class Room 1 & 2 8:00am – 12:00pm November 13, 2014, Class Room 1 & 2 1:00pm – 4:00pmNO OTHER DATES WILL BE SCHEDULED Onsite Health Screening Schedule Berger Health System Wellness Program Criteria Health Screening Tests Wellness Target Alternative Goal Points Earned Premium Credit Deductible Credit (Single / Family) Body Mass Index< 29.9 Meet wellness target, see improvement from last year or enroll in programs through Rite for You 1$5.00$250 / $500 Blood Pressure< 140/90 Meet wellness target, see improvement from last year or enroll in programs through Rite for You 1$5.00$250 / $500 LDL Cholesterol< 130 Meet wellness target, see improvement from last year or enroll in programs through Rite for You 1$5.00$250 / $500 Online Health Assessment Completed 1$5.00$250 / $500 TOTAL$20.00$1,000 / $2,000

10. TOBACCO CESSATION DID YOU KNOW?

11. TOBACCO CESSATION (cont.) Berger Health System offers employees smoking cessation programs FREE! If you are a smoker and complete one of the below scheduled programs, the smoking surcharge will be waived. January 2015 – 1/15, 1/22, 1/29 February 2015 – 2/5, 2/12, 2/19 For more information, please contact HR.

12. IMPORTANT: THINGS TO REMEMBER Mandatory Enrollment – you must complete an enrollment form. Biometric Screenings – you will receive a scorecard in early December with your results and credits you qualified for. ID Cards – you will receive new ID cards for the medical plan effective 1/1/2015, however, ID numbers are not changing. Updated ID cards may also be obtained at umr.com.

13. IMPORTANT: THINGS TO REMEMBER Forms that MUST be turned in to HR: – Enrollment Form – even if you are not making any changes or are waiving coverage. – Tobacco Affidavit – if a form is not received, you will be assessed the tobacco surcharge ($25/pay). – Spousal Surcharge Form – if a form is not received, you will be assessed the spousal surcharge ($50/pay). – Over Age Dependent Form – complete and return if you have a dependent age 26 or older. – Beneficiary Form – now is the best time to update your beneficiary information. – Primary Care Provider (PCP) Questionnaire – do you have a PCP?

14. Resources Human Resources UMR – 1-800-826-9781; www.umr.comwww.umr.com Delta Dental – 1-800-524-0149; www.deltadentaloh.com www.deltadentaloh.com VSP – 1-800-877-7195; www.vsp.comwww.vsp.com LifeBalance – 1-877-259-3785; www.lifebalance.net (user ID: berger, password: health) www.lifebalance.net