Copyright 2008 THE LADD GROUP, LLC. All rights reserved.

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2 Boly:Welch 2016 Employee Benefit Program

3 Agenda Ladd Group Introduction Open Enrollment Medical Terminology Rate Information Providence Health Plan Multi Plan Options Pharmacy Benefit Providence Health Plan Value Added Benefits Moda VSP Flexible Spending Account Questions

4 Broker Partner- The Ladd Group Headquartered in NW Portland s Pearl District 7 Producers and Administrative Staff Appointed to represent all health insurance companies in the Oregon Marketplace Focus on Individuals and Employer Group benefit offerings for clients lives Design and implementation of employee benefit packages Consultative approach with a strong focus on service and employee advocacy Health Care Reform education and compliance assistance

5 Terminology - a fixed dollar amount an insured individual must pay before the insurance company will pay for a covered service Out of Pocket Max- maximum dollar amount an insured will pay on the plan. Once the maximum is reached the insurance company will pay 100% of covered expenses for the remainder of the year Coinsurance- the cost sharing percentage the insured must pay for covered services Copays- a fixed dollar amount that the insured is responsible for paying. For example for an office visit or prescription medication Network- health care providers contracted with the insurance company that have agreed to accept negotiated discount

6 Providence Health Plan Plan Options $3000D Base Plan $1000D Buy Up Plan $3,000 Individual $6,000 Family $1,000 Individual $2,000 Family Coinsurance 20% In Network 30% Out of Network 20% In Network 40% Out of Network Out of Pocket Maximum $5,000 per person $10,000 per family $5,000 per person $10,000 per family Preventive Care Covered in Full Covered in Full Primary Care $20 per visit $20 per visit Specialty Care $40 per visit $20 per visit Alternative Care $25 copay/$1,500 maximum $25 copay/$,1500 maximum Routine Lab and X-Ray 20% Coinsurance, waived 20% Coinsurance, waived

7 Plan Options $3000D Base Plan $1000D Buy Up Plan High Tech Imaging (CT, MRI, PET) 20% Coinsurance after 20% Coinsurance, waived Emergency Room $250 Copay, after $250 Copay, Waived Urgent Care $30 per visit, waived $20 per visit, waived Inpatient Hospital 20% Coinsurance after 20% Coinsurance After Outpatient Hospital 20% Coinsurance after 20% Coinsurance After Maternity Services Pre Natal Covered in Full. Delivery and Post Natal 10% after. All other services subject to 20% after Pre Natal Covered in Full. $200 per Delivery. Nursery Care, 20% waived. Inpatient Hospital 20% after Outpatient Mental Health $20 per visit, waived $20 per visit, waived Inpatient Mental Health 20% Coinsurance after 20% Coinsurance after

8 Providence Health express - Health care online: No appointment needed. Providence Health express offers live video visits with a Providence doctor or nurse practitioner using a computer, smartphone or tablet using secure video and audio. Diagnosis and treatment recommendation, along with a prescription (if needed), for conditions such as: Sinus, ear and eye infections Cough, cold and flu Rash and joint issues Allergies Ear pain Available: Monday to Friday 8 a.m. to 8 p.m. and Saturday to Sunday 9 a.m. to 5 p.m. Pacific time. Boly:Welch members pay a $5 copay per video visit vs. $20 copay at the physician office Members can create a free Health express account and get more information here: healthexpress.com/

9 Pharmacy Benefit Participating Retail Pharmacy 30 day supply: Generic Medication - $15 Copay Brand Name Medication- $45 Copay Compounded Medication- 50% Coinsurance Mail Order Pharmacy up to a 90 day supply: Generic Medication- $45 Copay Brand Name Medication- $135 Copay Compounded Medication- Does not apply Specialty Pharmacy up to a 30 day supply: Generic Medication: $15 Copay Brand Name Medication: $45 Copay Compounded Medication: Does not apply * If you or your physician request a brand name medication when a generic is available you will pay the cost difference + the brand copay

10 Member Extra Values and Discounts 24 Hour Nurse line- ProvRN provides free medical advice 24/7. Speak with an RN by calling or LifeBalance Program- Discounts on health club memberships, fitness classes, massage therapy, weight loss programs, recreational, cultural and wellness events. or at TruVision- Save on contact lenses and Lasix (laser vision correction). or Visionworks- Discounts on vision exams, eye glasses frames and lenses at Oregon and Southwest Washington locations. or ChooseHealthy- Discounts on acupuncture, chiropractic care, massage and dietician services. or

11 Member Extra Values and Discounts Health Education Classes- Sign up for free or discounted classes, including weight management, childbirth preparation, yoga, smoking cessation and more. TruHearing- Get discounted hearing aids. Discount also applies to members parents and grandparents who are not enrolled with Providence Health Plan. or

12 Providence Health Plan Online Resources Provider Network Select Providence Connect for Base Plan Select Providence Signature (EPO) for the Buy Up Plan Locate Providers, Pharmacies and Facilities at Select EPO or Providence Connect in the drop down menu under Network depending upon which plan you choose MyProvidence.com provides access to the following: Claims History Explanation of Benefits ID Card Replacements Benefit Materials Health Risk Assessment and Wellness Tools Treatment Cost Estimator Find Physician or Pharmacy Prescription Drug Lists

13 Moda Dental Age 0-18 Age 19+ (Adult) $50 Individual $150 Family $50 Individual $150 Family Unlimited $1,000 Out of Pocket Maximum $350 for one child $700 for two or more Not Applicable Class 1 Exams, Cleanings, Sealants, Fluoride, Space Maintainers Covered in Full Covered in Full Class 2- Fillings, Oral Surgery, Endo and Period, Anesthesia 40% Coinsurance after 20% Coinsurance after Class 3- Restorative Crowns, Dentures 50% Coinsurance after 50% Coinsurance after Implants Not Covered 50% Coinsurance Orthodontia 50% *only to treat cleft palate Not Covered Annual Maximum (Maximum Benefit Available) (Maximum member will pay)

14 Willamette Dental Age 0-18 Age 19+ No No Unlimited Unlimited Out of Pocket Maximum $350 for one child $700 for two or more Not Applicable Office Visit $20 Copay $15 Copay Diagnostic and Preventive Care Covered in Full. $5 Copay for Fluoride and Sealants (per tooth Covered in Full. Restorative Fillings $25 Copay, Crowns/ Dentures/Bridges - $150 Copay Fillings Covered in Full. Crowns/ Dentures/Bridges - $150 Copay Endo/Period $75-$225 Copay. See Benefit Summary for Details $75-$225 Copay. See Benefit Summary for Details Oral Surgery Routine Extraction $40 Copay Surgical Extraction $120 Copay Routine Extraction Covered in Full Surgical Extraction $120 Copay Ortho $150 Copay Pre Ortho Consult. $2800 Copay Ortho Services. *unless $150 Copay Pre Ortho Consult. $2800 Copay Ortho Services. Annual Maximum (Maximum Benefit Available) to treat cleft palate Ortho does not apply toward out of pocket maximum

15 Dental Online Tools MyModa- track benefits and claims. Store and share information with providers with Dental Optimizer tool. Additional Preventive benefits for those with Diabetes or who are Pregnant through Oral Health/Total Health. Willamette Dental WillametteDental.com allows you to schedule appointments, search for a dentist, information and resources

16 Protect your vision with VSP. Get the best in eye care and eyewear with BOLY:WELCH and VSP Vision Care. Why enroll in VSP? We invest in the things you value most the best care at the lowest out-of-pocket costs. Because we re the only national not-for-profit vision care company, you can trust that we ll always put your wellness first. You ll like what you see with VSP. Value and Savings. You ll enjoy more value and the lowest out-of-pocket costs. High Quality Vision Care. You ll get the best care from a VSP provider, including a WellVision Exam the most comprehensive exam designed to detect eye and health conditions. Choice of Providers. The decision is yours to make choose a VSP doctor, a participating retail chain, or any out-of-network provider. Great Eyewear. It s easy to find the perfect frame at a price that fits your budget. Enroll in VSP today. You'll be glad you did. Contact us vsp.com Using your VSP benefit is easy. Register at vsp.com Once your plan is effective, review your benefit information. Find an eye care provider who s right for you. To find a VSP provider, visit vsp.com or call At your appointment, tell them you have VSP. There s no ID card necessary. If you d like a card as a reference, you can print one on vsp.com. That s it! We ll handle the rest there are no claim forms to complete when you see a VSP provider. Choice in Eyewear From classic styles to the latest designer frames, you ll find hundreds of options. Choose from featured frame brands like Anne Klein, bebe, Calvin Klein, Flexon, Lacoste, Nike, Nine West, and more 1. Visit vsp.com to find a VSP provider who carries these brands.

17 Your VSP Vision Benefits Summary BOLY:WELCH and VSP provide you with an affordable eye care plan. Benefit WellVision Exam Description Your Coverage with a VSP Provider Focuses on your eyes and overall wellness VSP Provider Network: VSP Choice Copay Frequency $10 Every 12 months Prescription Glasses Frame Lenses Lens Enhancements $130 allowance for a wide selection of frames $150 allowance for featured frame brands 20% savings on the amount over your allowance $70 Costco frame allowance Single vision, lined bifocal, and lined trifocal lenses Polycarbonate lenses for dependent children Standard progressive lenses Premium progressive lenses Custom progressive lenses Average savings of 20-25% on other lens enhancements $25 Included in Prescription Glasses Included in Prescription Glasses $55 $95 - $105 $150 - $175 See frame and lenses Every 24 months Every 12 months Every 12 months Contacts (instead of glasses) $130 allowance for contacts; copay does not apply Contact lens exam (fitting and evaluation) Up to $60 Every 12 months Extra Savings Glasses and Sunglasses Extra $20 to spend on featured frame brands. Go to vsp.com/specialoffers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam. Retinal Screening No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam Laser Vision Correction Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities Your Coverage with Out-of-Network Providers Visit vsp.com for details, if you plan to see a provider other than a VSP network provider. Exam... up to $45 Frame... up to $70 Single Vision Lenses... up to $30 Lined Bifocal Lenses... up to $50 Lined Trifocal Lenses... up to $65 Progressive Lenses... up to $50 Contacts... up to $105 Coverage with a participating retail chain may be different. Once your benefit is effective, visit vsp.com for details. Based on applicable laws, benefits may vary by location. Contact us vsp.com 1 Brands/Promotion subject to change Vision Service Plan. All rights reserved. VSP, VSP Vision care for life, and WellVision Exam are registered trademarks of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other company names and brands are trademarks or registered trademarks of their respective owners.

18 Flexible Spending Account $2550 Max Medical FSA $5000 Dependent FSA Pay for Medical Expenses with Pre Tax Dollars Covered Services IRS Code 213D Debit Card or Direct Deposit of Reimbursements

19 Flexible Spending Account Rollover- can roll over up to $500 to the next plan year Run Out Period Jan 1-March 15 can turn in claims from prior year for reimbursement.

20 Important Steps Complete Employee Enrollment Form and submit to Boly:Welch. If you are not currently enrolled you must complete a form whether you are enrolling or waiving. If you are on the plan currently and are enrolled in the base plan your enrollment will default to the Connect Plan unless you indicate otherwise. If enrolling on Base Plan complete Medical Home Form. Indicate plan selection on the form (Base and Buy Up) Open Enrollment is the only time of year to elect coverage unless you experience a Qualifying Event later in the year Contact Jennifer at The Ladd Group for benefit questions or clarifications

21 Employee Advocacy Claims Issues/Benefit Questions Contact: Jennifer Young Office: Direct: Fax:

22 The Ladd Group ü ü ü ü Accessible Solu4ons Knowledge in Ac4on Engaged in the Issues Responsive to Your Needs Thank You

23 Boly:Welch Employee Benefits January 1, 2016 through December 31, 2016 Below are the new health insurance rates effective for January 1, In addition, the month of December is open enrollment". If you have any changes to your existing enrollment or would like to enroll in the insurance plans and haven t previously, this is the time to do so. Medical, RX and Alternative Care- Buy Up Plan $1,000 Plan Monthly Rate Boly:Welch Contribution Employee Cost Employee Only $ $ $ Employee + Spouse/Domestic Partner $ $ $ Employee + Family $1, $ $1, Employee + Child(ren) $ $ $ Medical, RX and Alternative Care- Base Medical Home (Connect) Plan $3,000 Plan Monthly Rate Boly:Welch Contribution Employee Cost Employee Only $ $ $ Employee + Spouse/Domestic Partner $ $ $ Employee + Family $1, $ $ Employee + Child(ren) $ $ $ Moda Voluntary Dental Option Monthly Rate Boly:Welch Contribution Employee Cost Employee Only $56.64 $0.00 $56.64 Employee + Spouse/Domestic Partner $ $0.00 $ Employee + Family $ $0.00 $ Employee + Child(ren) $ $0.00 $ Willamette Dental Voluntary Dental Option Monthly Rate Boly:Welch Contribution Employee Cost Employee Only $51.09 $0.00 $51.09 Employee + Spouse/Domestic Partner $ $0.00 $ Employee + Family $ $0.00 $ Employee + Child(ren) $ $0.00 $ VSP Voluntary Vision Option Monthly Rate Boly:Welch Contribution Employee Cost Employee Only $9.19 $0.00 $9.19 Employee + 1 $14.71 $0.00 $14.71 Employee + Family $24.40 $0.00 $24.40 Employee + Child(ren) $15.01 $0.00 $15.01 Prepared by The Ladd Group, LLC