Five Colleges, Inc. ~ Memorandum

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1 To: All Benefited Employees From: Yvette Morneau Date: October, 2018 Re: Health and Dental Insurance Five Colleges, Inc. ~ Memorandum Great news! We are staying with Harvard Pilgrim this year for both the HMO and PPO plans. There are some minimal changes with our new plans, Best Buy HMO Flex and Affordable PPO 25 Flex, so be on the lookout for your new cards. HEALTH PLAN HIGHLIGHTS HMO Employee contribution amounts for all 4 tiers of the HMO plan will remain exactly the same no increase! See HMO Medical premium and Summary page. We now have an added Flex Benefit that lowers the cost of copays for diagnostic, therapeutic and outpatient surgeries while eliminating altogether the copay for laboratory and radiology tests when members use specific Flex facilities. Please see Flex Summary attachment. The single health plan deductible will remain at $1000 while the deductible for 2 persons and family plans will have an increase from $2000 to $2500. FCI will continue to offer the Health Reimbursement Account (HRA) which reimburses half of the deductible costs for each employee; $500 for individual, $1250 for 2 persons and family plans. In addition to the 10% increase of Out-of Pocket Maximum for medical and RX, some copays have increased. Please see the Medical Renewal Summary attachment for details. PPO For this year the PPO plan has some minor benefits changes. The PPO Plan continues to be more expensive for employees, with the employer contribution amount the same as for the HMO plan. Please see the PPO Medical Renewal Summary Page. The Plan design changes for the HMO plan are summarized in this memo, along with the changes in the PPO plan. Please review the full Schedule of Benefits from Harvard Pilgrim for more detail, posted in For Staff Health Insurance FCI website. DENTAL PLAN Good news, the Delta Dental contract is in effect through December 31 st, As such, all benefits and employee contributions remain the same. OPEN ENROLLMENT Five Colleges, Inc. will hold its annual open enrollment November 1 November 21, During this time, you may switch plans, add/drop eligible members, or sign up for the first time. If you are going to make a change, please contact the business office and complete a change form. If we do not hear from you by November 21st, you will be automatically re-enrolled in our new plan. POLICY 4- TIER PLAN Five Colleges offers a 4-tier medical plan, covering not only individual and families, but two rates for two party families (one for Employee + Spouse and one for Employee + 1 or more Children), for both the HMO and PPO plans.

2 Five Colleges, Inc. Medical Premium and Summary December 1, November 30, 2019 HPHC Total Monthly Premium FCI Monthly Employee Monthly Employee Semi- Monthly Per Month Change from Current Best Buy HMO 1000 Flex Individual $ $ $100 $50 $0 EE + Spouse $1, $ $312 $156 $0 EE + Child(ren) $1, $ $288 $144 $0 Family $1, $1, $444 $222 $0 Affordable PPO 25 Flex Individual $ $ $ $ $29.24 EE + Spouse $1, $ $ $ $49.48 EE + Child(ren) $1, $ $ $ $54.09 Family $2, $1, $1, $ $284.29

3 Five Colleges, Inc. Medical Renewal Summary HMO Updated: 10/11/2018 Five Colleges Inc. Annual Deductible Out-of Pocket Maximum: Medical & RX 12/1/ /30/ /1/ /30/2019 Current Plan Design (12/1/17-11/30/18) Best Buy HMO 1000 In-Network $1,000 individual $2,000 family $5,250 individual $10,500 family Renewal: Best Buy HMO 1000 FLEX (MD ) In-Network Out-of-Network $1,000 individual $2,500 family $5,750 individual $11,500 family Hospital Inpatient Hospital Outpatient Diagnostic Labs X-Rays No charge after deductible No charge after deductible Deductible, then $25 copay Deductible, then $25 copay Deductible, then $200 copay Flex provider: $50 copay Other Providers: Deductible, then $200 copay Flex provider: Covered in full Other Providers: Deductible, then $40 copay Deductible, then $40 copay High Tech Imaging Emergency Room PCP Office Visits Specialist Office Visits Retail Prescription Drugs Deductible, then $200 copay $200 copay $25 copay $40 copay $5 / $25 / $50 / $70 / 20% to $250 Deductible, then $200 copay $300 copay $25 copay $40 copay $5 / $30 / $60 / $90 / 20% to $250 Retail Prescription Drugs (Mail) $12.50 / $62.50 / $125 / $210 / 20% to $750 $12.50 / $75 / $150 / $270 / 20% to $750

4 Five Colleges, Inc. Medical Renewal Summary PPO Updated: 10/11/2018 Annual Deductible Five Colleges Inc. Out-of Pocket Maximum: Medical & RX 12/1/ /30/ /1/ /30/2019 Current Plan Design Renewal: Affordable PPO 25 FLEX Affordable PPO 25 (MD ) In-Network Out-of-Network In-Network Out-of-Network $0 individual $500 individual $0 individual $500 individual $0 family $1,000 family $0 family $1,000 family $2,000 individual $3,000 individual $1,700 individual $3,000 individual $4,000 family $6,000 family $3,400 family $6,000 family Hospital Inpatient $1,000 copay 80% after deductible $1,000 copay 80% after deductible Hospital Outpatient $500 copay 80% after deductible Diagnostic Labs $25 copay 80% after deductible Flex provider: $150 copay Other Providers: $500 copay Flex provider: Covered in full Other Providers: $40 copay 80% after deductible 80% after deductible X-rays $25 copay 80% after deductible $40 copay 80% after deductible High Tech Imaging $125 copay 80% after deductible $125 copay 80% after deductible Emergency Room $125 copay $125 copay PCP Office Visits $25 copay 80% after deductible $25 copay 80% after deductible Specialist Office Visits $40 copay 80% after deductible $40 copay 80% after deductible Retail Prescription Drugs Mail Order Prescription Drugs $5 / $25 / $40 / $60 / 20% to $250 $5 / $25 / $40 / $60 / 20% to $250 $12.50 / $62.50 / $100 / $180 / 20% to $750 $12.50 / $62.50 / $100 / $180 / 20% to $750

5 DENTAL INSURANCE PLAN SUMMARY- FOR JANUARY, 2019 All regular employees (defined in the Personnel Manual as "working a regularly scheduled workweek of 20 or more hours for at least 10 months of the year") are eligible for employer-paid contributions to the plan offered by Five Colleges, Incorporated. Five Colleges, Incorporated contributes an amount towards the Dental Insurance premium that varies annually according to plan designs available and the annual budget. Premium payments by Five Colleges, Incorporated are NOT prorated for regular part-time employees; the benefit is the same as for regular full-time employees. Plan details, current rates, and enrollment forms are available In the Business Office. 2-TIER PLAN Five Colleges offers a 2-tier dental plan, covering individual and families, The totat premium will remain the same for Five Colleges will keep level the employee contribution dollar amount for Employee _ Summary.. Current & Renewal Total Monthly I Premium Employee Premium I,. 1 _.,.,.,;No.Change _ Employee Employee only $50.40 $ % Family $ $ % Renewal rates are guaranteed through December 31, The amount deducted from 24 paychecks will be half the amount shown in the column "Current & Renewal Premium Employee" above. Five Colleges - Dental Coverage II Benefits Annual Deductible Coinsurance forfype I Services Coinsurance for Type II Services Co-insurance for Type Ill Services Annual Plan Maximum Orthodontia Coverage? Orthodontia Coinsurance/Copay Orthodontia Lifetime Maximum $50 Individual $150 family 100% - no deductible 85% - after deductible 55% - after deductible $1,500 Yes 50% $1,000

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