Welcome to Your Benefits!

Transcription

1 U.S. Benefits Decision Guide May 1, 2017 April 30, 2018

2 Welcome to Your Benefits! You have access to a range of core benefits such as medical, dental and vision, as well as voluntary benefits like critical illness insurance, accident insurance and hospital indemnity coverage. Plus, online tools and resources will be available to help you make confident healthcare decisions. These options allow you to build a customized package that meets the needs of you and your family. It s all part of your easy-to-use benefits experience Point. Click. Healthy! Decision Guide in a Nutshell This Decision Guide will help you understand the benefit options available to you and your family, so you can start thinking about the plans that meet your overall healthcare needs. You ll also learn how to use the Mercer Marketplace, which features built-in decision support to guide you through the benefits selection process one step at a time. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices for your prescription drug coverage. Please see the Creditable Prescription Drug Coverage and Medicare Notice in the legal notices section of this guide for more details. Your Benefits. Your Choice. The Mercer Marketplace helps you take control of your healthcare spending by: Showing the costs associated with each plan. Offering a range of options at different prices. Helping you find the most cost-effective plan for your needs. Offering income tax-saving opportunities through health and dependent care spending accounts. Giving you access to group discounts on additional benefit options, like auto and home insurance, identity theft protection, pet insurance and more. 2

3 What s inside? Health Benefits...2 Flexible Spending Accounts (k) Plan Life and AD&D Insurance Disability Insurance Additional Benefit Options It s Easy to Enroll Questions? Glossary Legal Notices What s in Store? Being a smart healthcare shopper means making sure you know what you re getting and what it s going to cost. The Mercer Marketplace is set up like an online benefits store so you can easily view coverage details and costs for each plan before deciding what to put in your shopping cart. When you check out, you ll have a chance to review your selections and see your total cost it s as simple as Point. Click. Healthy! Your Options Your selection of benefit options include: Questions? Mercer Marketplace Call Center Licensed benefit counselors are available by phone to answer general questions about your benefits, provide personalized support and help walk you through the enrollment process. They can even advise on which benefit plan may best meet the needs of you and your family. Call the Mercer Marketplace at (844) Hours Monday Friday, 7 a.m. to 9 p.m. Eastern Time. Hablas español? Llame al (844) y seleccione 9 para conectar con un consejero de beneficios que puede ayudar. Medical plans Choose from a PPO Plan or three High Deductible Health Plans with health savings account (HSA) options that can help you save on healthcare expenses. Supplemental medical insurance Protect yourself from the high cost of a critical illness, accident or hospital stay. Sometimes a traditional medical plan isn t enough. Health Savings Account (HSA) If you enroll in the $1,500 Deductible Plan, $2,850 Deductible Plan or $4,500 Deductible Plan, you automatically receive access to a triple-tax advantaged HSA. Don t forget the Mercer Marketplace is available 7 days a week, 24 hours a day with online resources to help answer enrollment questions at Dental and vision plans Select dental and vision coverage to meet your specific needs. Flexible Spending Accounts (FSAs) Save on taxes by contributing to an FSA for healthcare, combination (dental and vision) and/or dependent care expenses. Life and disability insurance Life s unpredictable. Protect your family s finances with a range of life and disability coverage options. Glossary Check out the Glossary on page 20 for definitions to terms used throughout this guide. More benefits Find additional benefits including auto and home insurance, a legal plan, identity theft protection and pet insurance.

4 Health Benefits When it comes to healthcare, one size does not fit all. That s why we re offering a selection of medical plans designed to let you choose exactly the coverage you need at a cost that s right for your budget. Through the Mercer Marketplace, you have a choice of medical, supplemental medical, dental, and vision plans, as well as taxadvantaged healthcare spending accounts that can save you money. Medical Medical coverage offers valuable benefits to help you stay healthy and pay for care if you or your covered family members become sick or injured. Start with standard coverage: Medical plans Enroll in core coverage for peace of mind. Choose from: $800 Deductible PPO Plan $1,500 Deductible Plan with HSA $2,850 Deductible Plan with HSA $4,500 Deductible Plan with HSA Then, you may choose to add: Supplemental medical plans Supplement your core medical plan to protect yourself from significant or unexpected out-of-pocket expenses. Choose from: Critical Illness Insurance Accident Insurance Hospital Indemnity Insurance It s the Law! As part of the Healthcare Reform law, most Americans must have medical insurance or pay a federal tax penalty. Be sure you re covered, either through one of the company plans or through another option available to you, such as your spouse s/domestic partner s employer benefits. Summary of Benefits and Coverage You have access to a Summary of Benefits and Coverage (SBC) for each of your medical plan options. These documents provide detailed information about coverage and costs to help you compare plans and make informed decisions. To access the SBCs, visit the Mercer Marketplace at Finding Providers is Easy! You can see any provider you choose, but keep in mind you ll typically pay less when you visit a UnitedHealthcare in-network provider. UnitedHealthcare has negotiated discounted rates for most services. To see if your provider is in-network, visit and select Find Physician, Laboratory or Facility, next click All UnitedHealthcare Plans, then choose the Choice Plus Network. Or call (844)

5 Your Medical Plan Options Your medical plan options are offered through UnitedHealthcare. $800 Deductible PPO Plan You pay a portion of the covered expenses before the plan begins to pay for certain benefits this amount is called the deductible. At the time of service, you ll pay out-of-pocket for certain services this is called a copay. Once your deductible is met, you ll pay a percentage of covered medical expenses this percentage is called coinsurance. If your share of medical expenses reaches the out-of-pocket maximum, you won t have to pay anything for the rest of the plan year. Compatible with: Healthcare FSA and Dependent Care FSA. $1,500 Deductible Plan with HSA $2,850 Deductible Plan with HSA $4,500 Deductible Plan with HSA The $1,500 Deductible Plan, $2,850 Deductible Plan and $4,500 Deductible Plan are designed to encourage you to know your treatment options and the costs associated with your choices. With these plans: You have a higher deductible. You get a tax-free HSA. Money in your HSA can be carried forward from year to year and is always yours to keep, even if you leave the company or retire. Your lower monthly contributions can help you cover out-ofpocket costs. Compatible with: HSA, Combination FSA and Dependent Care FSA. What Will You Pay? Your specific benefit costs will be provided as you re enrolling on the Mercer Marketplace at A Note About Eligibility Regular employees on the U.S. payroll working 20 (or more) hours a week on a continuous basis will be eligible for benefits. You re eligible for coverage on the 1st of the month following 60 days of employment and the elections made during new hire enrollment will remain in effect for the entire benefit plan year unless you have a qualifying life event (see Changing Your Benefit Selections on page 18). New hires have 31 days to make their benefit elections once they become eligible. Plan Features All of these medical plans include: 1. In-network preventive care provided at no cost. Services like annual physicals and well-woman exams, immunizations, and routine cancer screenings are covered at 100%. That means you pay nothing for these services. 2. Annual deductible. You pay for initial medical and prescription drug costs out-of-pocket until you meet your annual deductible. For the $1,500 Deductible Plan, $2,850 Deductible Plan and $4,500 Deductible Plan, contributions to your HSA can help you pay for your out-of-pocket costs. 3. Coinsurance. Once the deductible is met, you and the plan share any further health expenses during the plan year until you meet your out-of-pocket maximum. This is known as coinsurance. 4. Out-of-pocket maximum. The plan protects you by limiting the total amount you ll pay each plan year for medical care. Once you meet your out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the plan year. Your May 1, April 30, 2018 U.S. Benefits Decision Guide

6 Health Benefits continued A Closer Look at the Health Savings Account (HSA) With the $1,500 Deductible Plan, $2,850 Deductible Plan, and $4,500 Deductible Plan, you re eligible to open and contribute money to an HSA available through Discovery. The HSA is a tax-advantaged savings account you can use to help cover the costs of your healthcare. HSA features: Works like a bank account. Use account funds to pay for eligible healthcare expenses by using your plan-provided HSA debit card at the point of service after you receive care, or reimburse yourself for payments you ve made (up to the available balance in the account). Change your contribution amount at any time. You decide how much to contribute to the HSA and can change that amount at any time. Contribute up to the annual (January 1 December 31) IRS limit of $3,400 for individuals or $6,750 for family coverage (this amount includes the company s contribution, as appropriate). Employees age 55 and older can make an additional $1,000 catch-up contribution. HSA: What s Eligible? You can use your HSA for eligible out-of-pocket expenses like: Deductibles Office visits Prescription drugs Hospital stays and lab work Speech/occupational/physical therapy Dental and vision care For a complete list of eligible expenses, visit and see Publication 502. If you currently own an HSA, and have already made all or part of your total HSA contribution for 2017, you will need to factor in your prior contributions to avoid going over the calendar year limit. Contact the Mercer Marketplace Center at (844) for more information. It s tax-advantaged. Contributions are made from your paycheck on a pretax basis, and the money will never be taxed when used for eligible medical expenses. It s your money. Unused funds can be carried over each year and invested for the future you can earn tax-free interest on your HSA balance. You can even take the account with you if you leave the company, or save it to use during retirement. Can be paired with a Combination FSA. Combine the HSA with this account for additional tax savings. Use the funds to pay for eligible dental and vision expenses. When you meet the IRS statutory deductible, then eligible medical expenses are also allowed. The IRS statutory deductible is $1,300 for individual coverage or $2,600 for family coverage. See the Mercer Marketplace for more details. Prescription Drugs When you enroll in one of our medical plan options, you receive prescription drug coverage through CVS/caremark. With over 7,000 locations, CVS/caremark is one of America s largest prescription drug retailers. How the $1,500 Deductible Plan, $2,850 Deductible Plan and $4,500 Deductible Plans Work Together with the HSA 4 Preventive Care The plan pays 100%. Health Savings Account (HSA) Your contributions to the Health Savings Account can cover your deductible and coinsurance Deductible You pay 100%. Once you meet the deductible, coinsurance kicks in. Coinsurance You and the plan share a percentage of the cost of services until you meet the out-of-pocket maximum. Out-of-Pocket Maximum Once you reach this, the plan pays 100% of in-network costs.

7 How the Medical Plans Compare $800 Deductible PPO Plan $1,500 Deductible Plan with HSA $2,850 Deductible Plan with HSA $4,500 Deductible Plan with HSA HSA Eligible No Yes Yes Yes Preventive Care Covered 100% in-network In-Network Employee Only/ Family Deductible Employee Only/Family Out-of-Pocket Maximum $800/$1,600 $1,500/$3,000 $2,850/$5,700 $4,500/$9,000 $2,400/$4,800 $3,000/$6,000 $5,500/$11,000 $6,550/$13,100 Plan Coinsurance Plan pays 80%, after deductible Plan pays 80%, after deductible Plan pays 70%, after deductible Plan pays 70%, after deductible Office Visit (primary care/specialist) $20/$35 copay Plan pays 80%, after deductible Plan pays 70%, after deductible Plan pays 70%, after deductible Prescription Drug Coverage Retail Prescriptions Generic $10 copay, Tier One 1 Plan pays 80%, after Plan pays 70%, after Plan pays 70%, after Formulary 2 Plan pays 70%, Tier Two (min. $25/max. $50) 1,3 Plan pays 80%, after Plan pays 70%, after Plan pays 70%, after Non-formulary Plan pays 55%, Tier Three (min. $40/max. $80) 1,3 Plan pays 80%, after Plan pays 70%, after Plan pays 70%, after Mail Order Prescriptions Generic $25 copay, Tier One 1 Plan pays 80%, after Plan pays 70%, after Plan pays 70%, after Formulary 2 Plan pays 70%, Tier Two (min. $62.50/max. $125) 1,3 Plan pays 80%, after Plan pays 70%, after Plan pays 70%, after Non-formulary Plan pays 55%, Tier Three (min. $100/max. $200) 1,3 Plan pays 80%, after Plan pays 70%, after Plan pays 70%, after 1 Deductible does not apply. 2 Formulary prescriptions are brand name drugs that generally save you money over other brand name drugs because they are on the CVS/caremark Prescription Drug List. These medications typically fall under Tier 2 of the prescription drug list (PDL) and are considered your moderate cost option. 3 Formulary (Tier Two) and Non-formulary (Tier Three) drug costs are based on coinsurance. You are required to pay at least the minimum amount for a prescription drug, but you will never pay more than the maximum coinsurance amount for a prescription. 4 Preventive Prescriptions (as defined under ACA regulations) ffor the $1,500, $2,850 and $4,500 Deductible Plans are covered at 100%, prior to the deductible. Maintenance medications are covered at the coinsurance level and the deductible is waived. Your May 1, April 30, 2018 U.S. Benefits Decision Guide

8 Health Benefits continued Supplemental Medical Supplemental Medical Insurance through Voya can help protect you from significant expenses not covered by your medical plan. In fact, based on your situation, you may be able to save money by adding a supplemental plan to a lower cost medical plan. Be sure to consider your anticipated medical needs for the coming year for example, a major surgery and the cost of the insurance plans available to you. Keep in Mind Supplemental medical plans are intended to supplement your primary medical plan. On their own, they don t provide the minimum level of medical coverage needed to meet Affordable Care Act (ACA) requirements. Critical Illness Insurance When a serious illness strikes, Critical Illness Insurance through Voya can provide financial support to help you through a difficult time. It protects against the financial impact of certain illnesses, such as a heart attack or cancer. You receive a lump-sum benefit to cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You can also use the money to take care of your everyday living expenses like housekeeping services, special transportation and daycare. Critical Illness Insurance is available to employees, their spouse/domestic partner and child(ren); however, you must enroll in coverage for yourself before you can enroll a dependent. Benefits are paid: Directly to you, unless assigned to someone else. As a lump sum. How Critical Illness Insurance Coverage Works Let s say, three months after enrolling, you are diagnosed with a cancer. Three years later you suffer a stroke. In both cases, Critical Illness insurance would provide you with a lump-sum payment to use however you see fit. Benefits are not paid for any critical illness diagnosed before the coverage effective date. As the example below shows, the full benefit may be paid up to once per year. Voya would pay you: Cancer (100%) year 1 $15,000 Stroke (100%) year 3 $15,000 Total benefit paid directly to you $30,000 Critical Illness Overview Carrier Voya Coverage You: $15,000, $30,000 Spouse: $10,000, $15,000 Child(ren): $5,000, $10,000 Employee must elect coverage for the spouse and/or child(ren) to elect coverage. Cost 6 Paid by you.

9 Accident Insurance Accidents happen but you can help protect yourself from accident-related costs that can strain your budget. Voya Accident Insurance supplements your medical plan by providing a cash benefit in case of accidental injury. As you recover, use this money to help pay for: Medical expenses not covered by your medical plan, such as your deductible or coinsurance. Ongoing living expenses, such as your mortgage or rent. Accident Insurance coverage is available to employees, their spouse/domestic partner and child(ren); however, you must enroll in coverage for yourself before you can enroll a dependent. Benefits are paid: Directly to you, unless assigned to someone else. As a lump sum. In addition to any other coverage, like medical or an Accidental Death & Dismemberment (AD&D) plan. The policy pays you a benefit up to a specific amount for: Accidental death Dismemberment Dislocation or fracture Initial hospital confinement Intensive care Ambulance Medical expenses Outpatient physician s treatment The benefit amount depends on the type of injuries you have and the medical services you need. How Accident Insurance Coverage Works Let s suppose you are involved in a bicycle accident. You suffer a fractured leg and a dislocated wrist, and also need stitches. You take an ambulance to the emergency room, receive X-rays and spend two days in the hospital. Although your medical plan pays most of the medical expenses, you are still responsible for a remainder of the cost. That s where Accident Insurance can help, as shown in the example below. Voya would pay you: ER services, physician fees, and medical equipment $300 Fractured leg requiring surgery $1,600 Large (greater than 6 ) laceration requiring stitches $400 Dislocated wrist requiring surgery $600 Ambulance $100 Blood, plasma, platelets $300 Follow-up doctor treatment $50 Hospital admission $900 Key Things to Know If you choose to cover your dependents, the covered spouse/domestic partner and child benefit amount is 100% of your benefit amount with certain exceptions. You can take your Accident Insurance coverage with you if you leave the company. Hospital confinement (plan pays $225 a day up to 365 days) $450 (two days) Physical therapy (six treatments) $150 Total benefit paid directly to you $4,850 Your May 1, April 30, 2018 U.S. Benefits Decision Guide

10 Health Benefits continued Hospital Indemnity Insurance A trip to the hospital can be stressful so can the bills. Even with a medical plan, you may still be responsible for copays, deductibles and other out-of-pocket costs. A Hospital Indemnity Insurance plan through Voya provides supplemental payments that you can use to cover expenses that your medical plan doesn t cover for hospital stays, ambulance service, surgery, and certain inpatient or outpatient treatments. Hospital Indemnity Insurance coverage is available to employees, their spouse/domestic partner and child(ren); however, you must enroll in coverage for yourself before you can enroll a dependent. Benefits are paid: Directly to you, unless assigned to someone else. As a lump-sum or on a benefit schedule. How Hospital Indemnity Insurance Coverage Works Let s say your appendix ruptures, and your recovery keeps you in the hospital for five days. Voya would pay you: Hospital admission benefit $500 Daily hospital confinement benefit (plan pays $100 per day) $500 (five days) Total benefit paid directly to you $1,000 Learn More For additional plan details, including out-of-network benefits, visit the Mercer Marketplace at 8

11 What s Your Best Fit? Then consider If this describes you $800 Deductible PPO Plan $1,500, $2,850 or $4,500 Deductible Plan with HSA Supplemental Plans Why? You expect your need for medical care to be relatively low (preventive visits, occasional illnesses). The $1,500, $2,850, and $4,500 Deductible Plans with HSAs have the lowest premiums, so you ll pay less per paycheck. Since you don t expect to need a lot of care, these plans could save you money. You want to keep your costs for receiving medical care to a minimum. The $800 Deductible PPO Plan has the lowest deductible, so you ll pay the least amount out of your pocket when you receive care. You want to lower your taxable income while saving for healthcare expenses using the money only when you need to. These plans have an HSA, which allows you to save money for healthcare expenses and save money on your taxes as well. In the event of an expensive illness or injury, you aren t confident that you could afford to pay bills not covered by your medical plan. Critical Illness, Accident and Hospital Indemnity Insurance provide benefits that can pay for medical bills your medical plan doesn t cover and even for other expenses, depending on the plan. Keep in mind, these plans are meant to supplement your primary medical insurance, not to serve as your only insurance. Your May 1, April 30, 2018 U.S. Benefits Decision Guide

12 Health Benefits continued Dental Healthy teeth and gums are important to your overall health. Learn about the dental plans available to you through Delta Dental. Enhanced Plan Basic Plan Annual Maximum Benefit $2,000 $750 In-Network Employee Only/Family Deductible (waived for preventive services) $50/$150 $50/$150 Preventive Services Plan pays 100% Plan pays 90% Basic Services Plan pays 80% Plan pays 70% Major Services Plan pays 50% Not covered Orthodontia Services* Plan pays 50% Not covered Orthodontia Lifetime Maximum (in-network and out-of-network) $1,500 Not covered * Orthodontia coverage under the enhanced plan is available to adults and children (up to age 26). Learn More For additional plan details, including out-of-network benefits, visit the Mercer Marketplace at Finding Providers is Easy To search for providers in the Delta Dental network or VSP network, go to: Delta Dental: VSP: 10

13 Vision You can enroll in vision coverage to save money on eligible vision care expenses, such as eye exams, glasses, and contact lenses. Learn about the vision plans available to you through VSP. Enhanced Plan Standard Plan In-Network Copay Frequency Copay Frequency Exam $10 Every 12 months $10 Every 12 months Lenses $10 Every 12 months $25 Every 12 months Retail Allowance Frequency Retail Allowance Frequency Frames $175 Every 12 months $130 Every 24 months Contact Lenses (in lieu of frames and lenses) Covered up to $175 Every 12 months Covered up to $130 Every 12 months Contact Lens Fitting Covered in full with a copay not to exceed $60 Every 12 months in lieu of frames and lenses Covered in full with a copay not to exceed $60 Every 12 months in lieu of frames and lenses 11

14 Flexible Spending Accounts Flexible Spending Accounts (FSAs) Save money on your healthcare and/or dependent care expenses by using a tax-advantaged FSA. The money you contribute comes from your paycheck pretax (lowering your taxable income). And withdrawals for eligible expenses are also tax-free. Healthcare FSA $800 Deductible PPO Plan Contribute up to $2,600 annually to help cover qualified medical, vision and dental expenses. For a complete list of eligible expenses, visit and see Publication 502. Choose your contribution amount once a year (if your personal situation changes, such as getting married or having a baby, you may be able to change your election during the year). Use a plan-provided debit card to pay for your eligible expenses. Your entire annual contribution is available to you at the beginning of the plan year. You can carry forward up to $500 in unused funds each year. Anything not used over $500 at the end of the year will be forfeited. Dependent Care FSA Any medical plan Contribute up to $5,000 a year to reimburse yourself for qualified dependent care (child or adult) expenses. For a complete list of eligible expenses, visit and see Publication 503. Eligible expenses include child care and care for dependent elders. Cannot be used toward medical expenses for yourself or dependents. Unused money does not carry forward at the end of each year you must use it or lose it. Healthcare FSA Reimbursement Reimbursement requests for eligible healthcare expenses that are incurred between your initial plan year start date (the date your flexible spending account and medical coverage became effective) through April 30, 2018, must be submitted no later than July 31, 2018 to receive reimbursement. Combination FSA $1,500 Deductible Plan, $2,850 Deductible Plan and $4,500 Deductible Plan Contribute up to $2,600 annually. Only dental and vision expenses can be paid with the Combination FSA until you have met the IRS statutory deductible for medical expenses $1,300 for individual coverage or $2,600 for family coverage. After you have met the statutory deductible, then eligible medical expenses are allowed. Use a plan-provided debit card to pay for your eligible expenses. Your entire annual contribution is available to you at the beginning of the plan year. Unused money does not carry forward at the end of each year you must use it or lose it. 12

15 Take a Look: HSA vs. FSAs See how these accounts compare. HSA Healthcare FSA Combination FSA Dependent Care FSA Available if you enroll in the: $1,500 Deductible Plan $2,850 Deductible Plan $800 Deductible PPO Plan $1,500 Deductible Plan $2,850 Deductible Plan All medical plans $4,500 Deductible Plan $4,500 Deductible Plan Annual contributions: You can contribute up to: Employee Only: $3,400 You can contribute up to $2,600 You can contribute up to $2,600 You can contribute up to $5,000 (per individual or married couple) Family: $6,750 Use it or lose it? No, the money in your account is yours to keep Yes, but you can carry forward up to $500 in unused funds each year Yes, money cannot be carried forward to the next year Yes, money cannot be carried forward to the next year Learn More For additional details about the HSA and FSAs, visit the Mercer Marketplace at 401(k) Plan The 401(k) Plan helps you build savings for an active, healthy and financially stable future. Employees may participate in the 401(k) Plan once they meet eligibility requirements. Please visit the Benefits page (under the Human Resources tab) on the Intranet for more information. Your May 2017 April 2018 U.S. Benefits Decision Guide 13

16 Life and AD&D Insurance For Your Financial Wellbeing Life and disability insurance provide important financial protection for you and your family. You can choose from several different levels of coverage to meet your needs. Basic Life Insurance Because life can suddenly take an unexpected turn, it s good to know you re covered if the worst occurs. The company provides basic life insurance through MetLife to assist you and your family in the event of a death. This benefit is fully paid for by the company, and you do not need to enroll to receive coverage. The basic life insurance benefit is equal to 1.5 times your annual salary, up to $2,000,000. Supplemental Life and AD&D Insurance You also can choose to purchase additional life insurance for yourself, your spouse/domestic partner, and your child(ren). You pay the full cost of any supplemental life insurance and/or supplemental AD&D insurance coverage. See the following page for more information about supplemental life and AD&D insurance. What Will You Pay? Your specific benefit costs will be displayed as you re enrolling on the Mercer Marketplace at Evidence of Insurability (EOI) Life insurance over a certain amount may require Evidence of Insurability (EOI) amounts greater than the guaranteed issue amount of $300,000 and spouse term life elections greater than $50,000. After electing coverage, you will receive more information if you need to take further action to enroll. Select a Beneficiary It s important to choose a beneficiary or beneficiaries to receive the policy s benefit payment in the event of the insured person s death. You should designate your beneficiary(ies) on the Mercer Marketplace. The employee is automatically the beneficiary for spouse/domestic partner and child(ren) coverage. An Important Note If electing life insurance, you must be actively at work on the plan effective date with a valid Social Security number or U.S. government issued ID for your coverage to begin. Questions? For general questions related to disability benefits, contact the Mercer Marketplace at (844) Learn More For more coverage details, visit the Mercer Marketplace at 14

17 Your Supplemental Life and AD&D Options Type of coverage Purchase for How it works Employee Term Life Yourself To supplement the coverage provided by the company, you can purchase additional term life insurance. This coverage is tied to your employment and ends if you leave the company. Depending on the amount of coverage you choose, this benefit can be between one and six times your annual salary, up to $2,000,000. The guaranteed issue amount for this benefit is $300,000 this means you are guaranteed to be insured up to this amount without having to provide evidence of insurability (EOI). Spouse Term Life Your spouse/ domestic partner This coverage is tied to your employment and ends if you leave the company. $25,000 increments, up to the lesser of 50% of employee term life amount or $250,000. You are guaranteed coverage of up to $50,000 without having to provide EOI. Child Term Life Your child(ren) This coverage is tied to your employment and ends if you leave the company. Depending on the amount of coverage you choose, this benefit can be $5,000, $10,000, $15,000 or $20,000. You are guaranteed coverage of up to $20,000 without having to provide EOI. Child(ren) can be covered up to age 26. Supplemental Accidental Death & Dismemberment (AD&D) Yourself You can purchase AD&D insurance for yourself. Depending on the amount of coverage you choose for yourself, you can receive a benefit between one and six times your annual salary, up to $2,000,000, without having to provide EOI. Spouse/Domestic Partner and Child Supplemental AD&D Your spouse/ domestic partner and child(ren) If you elect supplemental AD&D insurance for yourself then you also can purchase AD&D insurance for your spouse or domestic partner and your child(ren). The benefits differ depending on the amount of coverage you choose for your spouse or domestic partner (or spouse/domestic partner and child(ren)). You can elect up to the maximum coverage without having to provide EOI. Covered person Your spouse/domestic partner Child(ren) Spouse/domestic partner AND Child(ren) (up to age 26) Benefit 50% of employee s AD&D election. 15% of the employee s AD&D election. Spouse/domestic partner: 40% of employee s AD&D election. Child(ren):10% of employee s AD&D election. Your May 1, April 30, 2018 U.S. Benefits Decision Guide

18 Disability Insurance Disability Insurance If you become ill or injured and need to miss work for an extended time, disability insurance can replace a percentage of your lost income (up to a maximum benefit). Short-Term Disability This benefit is completely paid by the company. Short-term disability provides a weekly benefit amount of 60% of your salary, up to $2,500 per week, for a maximum duration of 90 days. Short-term disability coverage begins after seven days of disability. Supplemental Short-Term Disability You also have the opportunity to increase your short-term disability coverage by purchasing buy-up coverage. This benefit is paid for by you and the cost of the plan is based on your age and annual earnings. Supplemental short-term disability provides a weekly benefit amount of 70% of your salary (60% employer-paid short-term disability plus 10% employee-paid supplemental short-term disability), up to $6,500 per week, for a maximum of 90 days. Long-Term Disability Questions? For general questions related to disability benefits, contact the Mercer Marketplace at (844) An Important Note If electing disability coverage, you must be actively at work on the plan effective date with a valid Social Security number or U.S. government issued ID for your coverage to begin. The company also provides long-term disability coverage if you have been disabled for a continuous period of 90 days. Long-term disability provides a monthly benefit amount of 60% of your salary, up to $15,000 per month, for a maximum duration up to the Social Security Normal Retirement Age. Learn More For more coverage details, visit the Mercer Marketplace at 16

19 Additional Benefit Options You also have the option of enrolling in additional benefits through the Mercer Marketplace. Keep in mind that the enrollment window for the following benefits may be separate from your open enrollment period. These benefits are offered at competitive group rates, which could save you money compared to purchasing them on your own. Benefit What is it? Why would I need it? Identity Theft Protection Services from InfoArmor that monitor your identity, detect fraud, and restore your identity in the event of theft. You can enroll in this benefit during the new hire eligibility period and during annual Open Enrollment. Get peace of mind by protecting yourself against the damage of identity theft. Certified privacy advocates act on your behalf to resolve identity theft issues. Legal Benefits Hyatt Legal Assistance Plan offers economical access to attorneys for legal services such as will preparation, estate planning and family law. You can enroll in this benefit during the new hire eligibility period and during annual Open Enrollment. Give yourself, your spouse/domestic partner, and your dependents access to a nationwide network of 13,000 attorneys. Legal advice is a phone call away. Representatives help you find an attorney in your area. Auto & Home Insurance MetLife gives you access to personal insurance policies including home landlord s rental dwelling, condo, recreational vehicle and boat. Save up to 15% by purchasing this coverage through the Mercer Marketplace. No-obligation quotes and cost comparisons. Enroll any time of year. Pet Insurance Nationwide Pet Insurance provides coverage to help you cover the costs of veterinary care. Available for dogs, cats, birds and exotic animals. Protect against the financial impact of veterinary care while using any veterinarian worldwide. You are eligible to receive a discount of 5% or more on premiums. Enroll any time of year. 17

20 It s Easy to Enroll The Mercer Marketplace takes you through your benefits shopping one decision at a time, providing helpful education and decision support every step of the way. Enroll for your benefits via the website or the Mercer Marketplace Call Center at (844) Log In From the intranet: Visit the Human Resources page and click Mercer Marketplace. From an external computer: Start by visiting The first time you visit the Mercer Marketplace, select Create an Account. Next, enter your Social Security number, last name, and date of birth. Then, you ll select a unique user name and password to use whenever you come back to the site. Start Shopping To select your benefits, click on the Get Started button and then follow the simple enrollment steps. 1. Profile Review your personal information. If you have dependents and are extending coverage to them, you will need to add your dependents in the Mercer Marketplace. 2. Enrollment Answer some questions to help identify the best coverage for you and your family s needs. Compare plan features and costs. Use the educational resources to learn more. Select the benefits you want to enroll in. 3. Confirmation Review the benefits summary and confirm your enrollment selections. Last, print a copy of your confirmation statement for your records. Mercer Marketplace Call Center A benefit counselor can walk you through the enrollment process and advise you on what plan options they think are the best fit. Call (844) to speak with a counselor Monday Friday, 7 a.m. to 9 p.m. Eastern Time. Spanish-speaking counselors are also available. If You Don t Enroll, You Won t Have Coverage New employees are eligible for benefits on the 1st of the month following 60 days of employment. New employees have 31 days from the day they become eligible to make benefit elections. If you do not enroll for benefits during this 31-day window, you will not have another opportunity to enroll until the next open enrollment period, or unless you have a qualifying life event as described below. For more information, contact Mercer Marketplace at (844) Changing Your Benefit Selections In accordance with IRS regulations, you can only make changes to some benefits (such as medical and dental insurance) during the employer s Open Enrollment period, or if you have a qualifying life event. For example, if you get married or have a baby, you can add coverage for your spouse/domestic partner or new child. You can learn more about which situations allow you to change your benefits and how to make changes by visiting the Mercer Marketplace or calling a benefits counselor. If you experience a family status change, please contact Mercer Marketplace within 31 days of the event. Other benefits, such as the HSA or Pet Insurance, can be started, stopped, or changed at any time during the year. 18

21 Questions? As you use the Mercer Marketplace for the first time, you may have questions. And that s okay, because there s a team of licensed, English- and Spanish-speaking benefits counselors ready to help you. They re specially trained at helping employees understand their healthcare options and figuring out the best choices for your and your family s unique needs and budget. Simply call the toll-free number to receive personal support from a benefits counselor. Mercer Marketplace Call Center (844) Monday Friday, 7 a.m. to 9 p.m. Eastern Time Hablas español? Llame al (844) y seleccione 9 para conectar con un consejero de beneficios que puede ayudar. Benefit Administrator Phone Number Website Policy # Medical UnitedHealthcare (844) Prescription Drug Services Flexible Spending and Health Saving Accounts (FSAs/HSAs) (Discovery Benefits) Supplemental Medical (Critical Illness, Accident Insurance, Hospital Indemnity) CVS/caremark (844) Marketplace (877) Not Required Voya Financial (866) Dental Delta Dental (800) Vision VSP (800) Life and AD&D MetLife (800) Disability/ Leave Administrator Cigna Claim intake: Cigna radial.iamselfservice.com Not Required Medical underwriter: (800) Legal MetLaw (Hyatt Legal) (800) Access code: GETLAW 609/1279 Auto & Home MetLife (800) Identity Theft InfoArmor (800) Pet Insurance Nationwide (877) Employee Assistance Program (EAP) Magellan (800) Radial Holdings Your May 1, April 30, 2018 U.S. Benefits Decision Guide

22 Glossary Coinsurance: The way in which you and the company share healthcare costs after you meet the plan s deductible, but before you meet the out-of-pocket maximum. Copay: A flat dollar amount you pay for a covered service each time you use that service. Deductible: The amount you pay toward your medical insurance plan before the plan begins to share in the cost of covered benefits. Flexible Spending Accounts (FSAs): A type of account that lets you use pretax funds to pay for eligible medical, dental and vision expenses, and/or dependent care expenses. Health Savings Account (HSA): An account that lets you use pretax funds to pay for eligible healthcare expenses. Out-of-Pocket Costs: Expenses you pay yourself, such as deductibles, copays and services not covered by your medical plan. Out-of-Pocket Maximum: The maximum amount you pay for covered healthcare services during a plan year. Prescriptions: Generic medications contain the same active ingredients as more costly alternatives, but are not sold using a brand name. Formulary medications are brand name drugs that are available at a lower cost to you. Non-formulary medications may be purchased at a higher cost to you. 20

23 Legal Notices The official plan document and summary plan description for the Radial Commerce, Inc. Group Welfare Benefits Plan and their respective coverage options provide more complete details regarding the terms of the plan. If there is any conflict between the statements in this guide and the official plan documents, the terms of the plan documents will govern all rights and obligations of plan participants, beneficiaries, and fiduciaries of Radial Commerce, Inc. The plan administrator (or its delegate) has the sole discretion to interpret and apply the terms and conditions of the plan described in this guide. Radial Commerce, Inc. reserves the right to amend or terminate these benefits or change the cost of coverage at any time and for any reason. The Benefits Decision Guide, combined with these legal notices, provides an overview of the benefits available to you and your family. In the event of a discrepancy between the information presented in the Benefits Decision Guide and official plan documents, the official plan documents will govern. Statement of Material Modifications (ERISA Plans) This enrollment guide constitutes a summary of modifications to the employer s group health plan. It is meant to supplement and/or replace certain information in the existing plan descriptions. Please share these materials with your covered family members. Summary of Benefits Coverage A Summary of Benefits Coverage (SBC) for each of the employer-sponsored medical plans is available at You may also request a paper copy by calling the Mercer Marketplace Call Center at (844) Important Notice from Radial Commerce, Inc. about Creditable Prescription Drug Coverage and Medicare The purpose of this notice is to advise you that the prescription drug coverage listed below under the Radial Commerce, Inc. medical plan is expected to pay out, on average, at least as much as the standard Medicare prescription drug coverage will pay in This is known as creditable coverage. Why this is important: if you or your covered dependent(s) are enrolled in any prescription drug coverage during 2017 listed in this notice and are or become covered by Medicare, you may decide to enroll in a Medicare prescription drug plan later and not be subject to a late enrollment penalty as long as you had creditable coverage within 63 days of your Medicare prescription drug plan enrollment. You should keep this notice with your important records. If you or your family members aren t currently covered by Medicare and won t become covered by Medicare in the next 12 months, this notice doesn t apply to you. Please read the notice below carefully. It has information about prescription drug coverage with Radial Commerce, Inc. and prescription drug coverage available for people with Medicare. It also tells you where to find more information to help you make decisions about your prescription drug coverage. Notice of creditable coverage You may have heard about Medicare s prescription drug coverage (called Part D), and wondered how it would affect you. Prescription drug coverage is available to everyone with Medicare through Medicare prescription drug plans. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans also offer more coverage for a higher monthly premium. Your May 1, April 30, 2018 U.S. Benefits Decision Guide

24 Legal Notices continued Individuals can enroll in a Medicare prescription drug plan when they first become eligible, and each year from October 15 through December 7. Individuals leaving employer/union coverage may be eligible for a Medicare Special Enrollment Period. If you are covered by one of the Radial Commerce, Inc. prescription drug plans listed below, you ll be interested to know that coverage is, on average, at least as good as standard Medicare prescription drug coverage for This is called creditable coverage. Coverage under one of these plans will help you avoid a late Part D enrollment penalty if you are or become eligible for Medicare and later decide to enroll in a Medicare prescription drug plan. $800 Deductible PPO Plan $1,500 Deductible Plan with HSA $2,850 Deductible Plan with HSA $4,500 Deductible Plan with HSA If you decide to enroll in a Medicare prescription drug plan and you are an active employee or family member of an active employee, you may also continue your employer coverage. In this case, the employer plan will continue to pay primary or secondary as it had before you enrolled in a Medicare prescription drug plan. If you waive or drop Radial Commerce, Inc. coverage, Medicare will be your only payer. You can re-enroll in the employer plan at annual enrollment or if you have a special enrollment event for the Radial Commerce, Inc. plan. You should know that if you waive or leave coverage with Radial Commerce, Inc. and you go 63 days or longer without creditable prescription drug coverage (once your applicable Medicare enrollment period ends), your monthly Part D premium will go up at least 1% per month for every month that you did not have creditable coverage. For example, if you go 19 months without coverage, your Medicare prescription drug plan premium will always be at least 19% higher than what most other people pay. You ll have to pay this higher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to enroll in Part D. You may receive this notice at other times in the future such as before the next period you can enroll in Medicare prescription drug coverage, if this Radial Commerce, Inc. coverage changes, or upon your request. For more information about your options under Medicare prescription drug coverage More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. Medicare participants will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. Here s how to get more information about Medicare prescription drug plans: Visit for personalized help. Call your state Health Insurance Assistance Program (see a copy of the Medicare & You handbook for the telephone number). Call (800) MEDICARE ((800) ). TTY users should call (877) For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available. Information about this extra help is available from the Social Security Administration (SSA). For more information about this extra help, visit SSA online at or call (800) (TTY (800) ). 22

25 Remember: Keep this notice. If you enroll in a Medicare prescription drug plan after your applicable Medicare enrollment period ends, you may need to provide a copy of this notice when you join a Part D plan to show that you are not required to pay a higher Part D premium amount. For more information about this notice or your prescription drug coverage, contact: Radial Commerce, Inc. Attn: HIPAA Privacy Officer 935 First Avenue King of Prussia, PA (610) ASKPrivacy@radial.com HIPAA Special Enrollment Notice Notice of special enrollment rights for health plan coverage If you decline enrollment in a Radial Commerce, Inc. health plan for you or your dependents (including your spouse) because of other health insurance or group health plan coverage, you or your dependents may be able to enroll in a Radial Commerce, Inc. health plan without waiting for the next Open Enrollment period if you: Lose other health insurance or group health plan coverage. You must request enrollment within 31 days after the loss of other coverage. Gain a new dependent as a result of marriage, birth, adoption, or placement for adoption. You must request health plan enrollment within 31 days after the marriage, birth, adoption, or placement for adoption. Lose Medicaid or Children s Health Insurance Program (CHIP) coverage because you are no longer eligible. You must request medical plan enrollment within 60 days after the loss of such coverage. If you request a change due to a special enrollment event within the 31 day timeframe, coverage will be effective the date of birth, adoption or placement for adoption. For all other events, coverage will be effective the first of the month following your request for enrollment. In addition, you may enroll in a Radial Commerce, Inc. medical plan if you become eligible for a state premium assistance program under Medicaid or CHIP. You must request enrollment within 60 days after you gain eligibility for medical plan coverage. If you request this change, coverage will be effective the first of the month following your request for enrollment. Specific restrictions may apply, depending on federal and state law. Please see the section entitled CHIP/MEDICAID NOTICE below for further information. Note: If your dependent becomes eligible for a special enrollment rights, you may add the dependent to your current coverage or change to another health plan. Any other currently covered dependents may also switch to the new plan in which you enroll. Women s Health And Cancer Rights Act (WHCRA) Notice If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: All stages of reconstruction of the breast on which the mastectomy was performed. Surgery and reconstruction of the other breast to produce a symmetrical appearance. Prostheses. Treatment of physical complications of the mastectomy, including lymphedema. Your May 1, April 30, 2018 U.S. Benefits Decision Guide