INSIDE THIS GUIDE ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1, 2017

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1 ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1, 2017 Kinder Morgan is focused on ensuring that our business remains strong and competitive now and in the future. To this end, one critical item we evaluate every year is our benefits program, because we know how important it is to provide our employees and their families with comprehensive, competitive, and valued benefit options, while continuing to manage costs. While you will see increases to your premiums, Kinder Morgan will continue to pay for 75% of the cost of medical and 50% of dental. You will also see changes to the HDHP and prescription drug plans as well as to our life insurance program. Read the information in this guide carefully before you make your benefits decisions and enroll online by November 1, REVIEW YOUR PERSONAL REPORT CAREFULLY Check to see how your current elections will roll over or map to 2018, and how your coverage and payroll deductions may be affected. You should also review your list of dependents to make sure they are still eligible for coverage. Note the following: There are changes to the HDHP deductibles and out-of-pocket maximums and the prescription drug program. See them on pages 2 and 3. Your life insurance coverage and/or cost may be changing for 2018 due to the changes in our plan design. Review your Personal Report carefully, since your current coverage (if any) will be mapped to new 2018 amounts. 2. ENROLL ONLINE FOR YOUR 2018 BENEFITS We encourage you to enroll online by November 1, You will find enrollment instructions on the back side of your Personal Report. Enrolling on the HR/Employee Self-Service (ESS) system is easy. Go to KMONLINE to find the ESS link. 3. ADDING OR REMOVING DEPENDENTS To be eligible for KM benefits, your dependents must meet the Plan s eligibility criteria and you must provide the required dependent documentation. If you are adding a dependent for 2018 that was not covered in 2017, you must scan and the required documentation by Wednesday, November 1, 2017 to AnnualEnrollment@kindermorgan.com. Go to page 5 for more details. If you are removing a dependent because they have coverage elsewhere or because a dependent is no longer eligible like an ex-spouse cross their name out on the Personal Report and scan and the report to AnnualEnrollment@kindermorgan.com. 4. CHECK YOUR CONFIRMATION STATEMENT A Confirmation Statement will be mailed to your home address in late November. Check to make sure your 2018 elections are accurately reflected on the Confirmation Statement and keep the statement for your records. ENROLLMENT NOTICE If you do not actively enroll during the annual enrollment period, your 2017 medical, dental, vision, and AD&D coverage will continue for Your new life insurance amounts [if any] will also be effective January 1, And remember, you must make new 2018 annual pre-tax HSA and FSA contributions; the default is zero contributions if you do not actively enroll. INSIDE THIS GUIDE Benefits Costs... 1 Benefits/Medical/Rx Overview... 2 Medical and Rx Benefits... 3 Dental and Vision... 4 Enrolling Dependents... 5 Proof of Eligibility... 5 Life and AD&D Insurance... 6 Pre-tax Spending Accounts... 8 Status Changes Other Programs Contacts List To learn more about your healthcare plans and other benefits, read the Summary Plan Descriptions (SPDs). Go to KMONLINE > Benefits Online. The SPDs provide details about covered services, eligibility requirements, enrollment, claims and appeals, and administrative and contact information. Please review the enclosed Important Notices and other enrollment materials carefully.

2 SUMMARY OF MATERIAL MODIFICATIONS (SMM) This guide contains important new information about your benefits coverage and serves as the official Summary of Material Modifications (SMM) to your Summary Plan Description (SPD). It provides information on your benefits under the Kinder Morgan, Inc. Master Employee Welfare Benefits Plan (Plan). This new information changes the information in the SPD. Please keep this information with your other Plan references. This SMM is only a summary of the modifications to the Plan. The official Plan documents and contracts will govern in case of conflict. This is intended to be read in conjunction with the SPD. Kinder Morgan is the Plan sponsor and reserves the right to terminate or amend the Plan provisions described at any time. You can find the SPDs on KMONLINE > Benefits Online. Your eligibility for the benefits described in this guide are determined as per the Plan, Contract, or employment documents and/or collective bargaining agreements.

3 BENEFITS COSTS Kinder Morgan continues to look for ways to manage our Health and Welfare costs by reviewing our programs and vendors annually. We encourage you to learn more about your benefits. Read this guide carefully and review your benefit options with your family, and decide what plans and coverage make the most sense. Below are the 2018 premiums and rates PREMIUMS Employee Only Employee + Spouse Employee + Child(ren) Employee + Family MEDICAL - Bi-Weekly Cost (pre-tax) UHC HDHP $ $ $ $ UHC PPO $ $ $ $ UHC EPO $ $ $ $ UHC Out-Of-Area (OOA) $ $ $ $ KAISER (California) $ $ $ $ DENTAL - Bi-Weekly Cost (pre-tax) CIGNA DENTAL $ 7.35 $ $ $ VISION - Bi-Weekly Cost (pre-tax) VSP $ 3.86 $ 5.50 $ 6.44 $ OPTIONAL EMPLOYEE & SPOUSE LIFE INSURANCE - Monthly Cost (after-tax) Age Rate/$1,000 Age Rate/$1,000 Age Rate/$1,000 Age Rate/$1,000 Under 30 $ $ $ $ $ $ $ $ $ $ $1.032 OPTIONAL CHILD LIFE INSURANCE - Bi-Weekly Cost (after-tax): $0.92 VOLUNTARY AD&D INSURANCE - Monthly Cost (after-tax) Coverage Employee Spouse Children Rate/$1,000 Employee 100% N/A N/A $0.015 Employee & Spouse 100% 50% N/A $0.030 Employee, Spouse & Children 100% 40% 10% $0.030 Employee & Children 100% N/A 10% $0.030 NOTE: To calculate your Optional Employee/Spouse Life Insurance and Voluntary AD&D, take the coverage amount and $1,000 x monthly rate above x 12 months = annual amount. Divide annual amount by 26 pay periods = bi-weekly amount. ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1,

4 BENEFITS OVERVIEW ::: MEDICAL AND RX 2018 MEDICAL PLANS High Deductible Health Plan (HDHP) Preferred Provider Organization (PPO) Exclusive Provider Organization (EPO) Out-Of-Area (OOA) Review the coverage chart on page 3 carefully. Pay special attention to the HDHP and Rx program changes. UnitedHealthcare (UHC) Prior Authorization: Certain healthcare services require preauthorization to help determine whether the service or treatment plan is medically necessary. In general, network providers are responsible for obtaining Prior Authorization (PA) for services, such as surgical procedures, inpatient hospitalization and radiology services. You are responsible for obtaining Prior Authorization before you receive the services from a non-network provider, or you will be responsible for paying all charges and no benefits will be paid. Call UHC at the toll-free telephone number on the back of your ID card to see if your upcoming service (network or non-network) requires Prior Authorization and if PA has been obtained and approved. ID cards: If you newly enroll for medical, change medical plans, or have a change in dependents, you will receive new UHC medical ID cards. Newly enrolled members will also receive a separate CVS Caremark prescription card BENEFITS ELECTIONS SUMMARY You can enroll in the following benefits during Annual Enrollment: Medical (with prescription drug coverage) Dental Vision Life and Accidental Death & Dismemberment (AD&D) Insurance Pre-tax contributions to your HSA or FSAs must be made annually MEDICAL & PRESCRIPTION DRUG COVERAGE (Rx) You have a choice of medical plan options administered by UnitedHealthcare (UHC). The High Deductible Health Plan (HDHP) is available to all employees. The other options offered to you depend on your home zip code. Review the Medical Benefits chart on the next page for coverage details. If you enroll in any Kinder Morgan medical plan option, prescription drug coverage that provides retail and mail services is automatically included. Our prescription drug program is administered by CVS Caremark (except for Kaiser). More information about the program can be found in the Medical SPD. If you live in California and enroll in the Kaiser Permanente medical plan option, you will also be automatically enrolled in the Kaiser prescription drug plan. Kaiser information is included in your enrollment packet if you reside in California. CVS Caremark Drug Program Important Details You must fill your prescriptions at a Caremark Advanced Choice Network pharmacy (like CVS or Walmart), or there will be NO COVERAGE. Go to and click on Order Prescriptions to access the Pharmacy Locator tool or call the number on your prescription ID card. We subscribe to mandatory Maintenance Choice (MC) for your maintenance prescriptions. This means that your maintenance prescriptions will NOT be covered unless they are filled by CVS Caremark mail order service or a CVS retail pharmacy. You are also required to convert from a 30-day maintenance script to a 90-day script effective with the third fill of a maintenance drug, or there will be NO COVERAGE. Caremark Specialty Drug Program Change: Beginning in 2018, our specialty drug program will have a three tier copay structure. See the Rx section on the bottom of page 3 for more details and other CVS Caremark Drug Program features. You can also refer to the Medical Summary Plan Description for more information. Reminder: Under the HDHP, eligible prescription drug costs do count toward your deductible; however, when using a drug manufacturer s copay card program, only the amount you actually pay for your prescriptions will go toward meeting your deductible and out-of-pocket maximum. Under our other medical plans, only the copay that you actually pay will go toward your out-of-pocket maximum. 2 KMONLINE > BENEFITS ONLINE

5 MEDICAL AND RX BENEFITS MEDICAL BENEFITS UnitedHealthcare (UHC) HDHP 1 PPO EPO OOA 3 In-network Out-of-network 2 In-network Out-of-network 2 In-network only Out-Of-Area Annual Deductible Individual $1,350 $2,700 $500 $1,000 $250 $500 Family $2,700 $5,400 $1,000 $2,000 $500 $1,000 Annual Out-Of-Pocket Maximum Individual $4,800 $9,600 $2,500 $5,000 $7,150 $2,500 Family $7,350 $14,700 $5,000 $10,000 $14,300 $5,000 Doctor's Office Visit Primary Care 20%* 40%* $20/visit 40%* $30/visit 20%* Specialist 20%* 40%* $40/visit 40%* $50/visit 20%* Ambulance (Emergency only) 20%* 40%* No Charge No Charge No Charge 20%* Well-Child Care Office Visits & Immunizations $0/visit 40% $0/visit 40% $0/visit $0/visit Adult Preventive Care Routine Physicals, GYN exams/ Mammograms, Prostate exams $0/visit 40% $0/visit 40% $0/visit $0/visit Lab/X-Ray Non-Hospital 20%* 40%* No Charge 40%* No Charge 20%* Hospital 20%* 40%* 20%* 40%* No Charge 20%* Chiropractic** 20%* 40%* $40/visit 40%* $50/visit 20%* Emergency Room Care 20%* 20%* 20%* 20%* 20%* 20%* Hospital Surgery Outpatient 20%* 40%* 20%* 40%* $300/visit* 20%* Inpatient 20%* 40%* 20%* 40%* $750 per admission* 20%* IMPORTANT: No benefits will be payable if you or your physician do not call UHC s Personal Health Support and receive Prior Authorization for hospital admissions, surgical procedures, and other services requiring PA. If PA is not obtained and approved you will be responsible for all costs. Read page 2 for more information. Mental Health & Substance Abuse Outpatient 20%* 40%* $20/visit 40%* $30/visit 20%* Inpatient 20%* 40%* 20%* 40%* $750 per admission* 20%* 1 Annual deductible (which includes Rx) must be met before HDHP benefits are paid. 2 Subject to the Maximum Non-network Reimbursement Program method (MNRP 110%) when you use a non-network provider. 3 Subject to Reasonable & Customary (R&C) limits when you use a non-network provider. *After the deductible is met you pay this amount. **$1,000 annual maximum for HDHP, PPO and OOA EPO annual maximum = 60 visits per year. This is not a complete list of covered services. See the Medical SPD for more information. PRESCRIPTION DRUGS Caremark Advanced Choice Network Retail Mail Order Specialty Rx 2 Generic $10 copay $20 copay $75 copay Brand Formulary 1 25% coinsurance ($40 min) 25% coinsurance ($80 min) $150 copay Brand Non-Formulary 1 25% coinsurance ($60 min) 25% coinsurance ($120 min) $225 copay 1 Your cost will be higher if you receive a name brand drug when a generic is available. 2 Limited to 30-day supply. MANDATORY MC: All maintenance drugs taken on a regular long-term basis (30 days or more) must be filled with a 90-day prescription through the CVS Caremark mail order service or a local CVS pharmacy (90-day supply), or effective with the 3rd fill there is NO COVERAGE. This is not a complete list of covered services. See the Medical SPD for more information. ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1,

6 DENTAL ::: VISION DENTAL PROGRAM Kinder Morgan s dental benefits are administered by Cigna Dental. You may obtain dental treatment from a dentist in Cigna s Dental Preferred Provider Organization (DPPO) or from any dentist you choose. You will have lower out-of-pocket costs if you use a DPPO provider, since participating dentists have agreed to accept negotiated fees as payment in full for covered services. The dental plan covers preventive care paid at 100% for routine oral exams or cleaning and routine x-rays. After the deductible is met, the plan pays 80% of eligible expenses for some basic services, and 50% for certain major services ($2,000 calendar year maximum per participant). Orthodontia is also covered at 50% for dependent children less than 19 years of age ($1,500 lifetime maximum). Read the Dental SPD for more details. STAY CONNECTED! Manage your healthcare whenever and wherever you are by downloading our healthcare vendor apps today. Important data such as your member ID information will be at your fingertips. CONTACTS LIST For a list of our 2018 providers and other important numbers and links, go to page 11. If you newly enroll for dental coverage, you will receive a Cigna Dental ID card in the mail. The card will only have your name. Search for a network dentist by going to and be sure to download the mycigna mobile app to access your dental health information anytime. VISION PROGRAM Kinder Morgan s vision program is administered by VSP. When you use a VSP network provider, you ll pay less out of your pocket, have greater coverage, and claims for benefits will be filed for you by the VSP provider. If you use a non-network provider for vision services, you will be required to pay for services at the time you receive them and then submit a claim reimbursement form to VSP. The vision plan covers annual eye exams, prescription glasses, contact lenses, and provides extra savings and discounts on other vision services, such as laser vision correction surgery and retinal screenings. Go to the VSP website at or download the VSP mobile app to find network doctors and to manage your eye care needs. You will not receive a vision ID card, but coverage can be verified by VSP with your Social Security Number and group number Read the Vision SPD for more information. 4 KMONLINE > BENEFITS ONLINE

7 ENROLLING DEPENDENTS ::: PROOF OF ELIGIBILITY ENROLLING YOUR ELIGIBLE DEPENDENTS If you are adding a dependent for benefits in 2018 that was not covered in 2017, you will need to provide proof of eligibility for coverage by Wednesday, November 1, See the Dependent Documentation Requirements below. Note: a valid Social Security Number (SSN) is required for all dependents if you elect Health and Welfare coverage(s) in accordance with the Affordable Care Act (ACA) for the IRS 1095-C reporting. DEPENDENT DOCUMENTATION DEADLINE IS WEDNESDAY, NOVEMBER 1, 2017 Scan and required documentation to: AnnualEnrollment@kindermorgan.com Write your name and employee ID on the subject line and on your documents Examples of dependents requiring proof of eligibility: If you covered your eligible dependent for only dental and/or vision coverage in 2017, but will be covering the same dependent for medical in 2018, you ARE required to submit documentation. If you covered your spouse and/or children for healthcare in a prior year (i.e or 2016), but not in 2017, you ARE required to submit documentation if you are covering them in DEPENDENT DOCUMENTATION REQUIREMENTS DEPENDENT CRITERIA REQUIRED DOCUMENTATION* Spouse Legally married more than 12 Months Front page of prior year s tax return showing married status and both names, OR Marriage Certificate AND current household bill or account statement showing joint ownership Children Legally married less than 12 Months Biological, adopted or foster children, stepchildren, children of Domestic Partner, and children covered by a Qualified Medical Child Support Order Children covered up to age 26 Marriage Certificate Child s Birth Certificate showing names of parents Domestic Partner The affidavit of Domestic Partnership form and required documentation can be found on Benefits Online *Additional dependent documentation may be requested by the Benefits Department such as proof of birth for your spouse or domestic partner, a child s adoption paperwork, or a dependent s SSN INELIGIBLE Dependents include: ex-spouses, grandchildren, siblings, and nieces or nephews (even if they are living with you) Medical/Rx, dental, and vision coverage for eligible dependent children can continue up to age 26. Coverage may be extended if the child is mentally or physically disabled, and dependent upon you for care and support, and lives in your home and is currently covered under a KM medical plan (certification required). You must advise the Benefits Department within 30 days from the date the child turns age 26 for consideration of extended coverage. Medical proof of disability and support will be required. ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1,

8 LIFE AND AD&D INSURANCE LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE We are happy to announce that effective January, 1, 2018, we will be partnering with Securian as our new life and AD&D insurance carrier. We will also be making changes to our life and AD&D insurance plans effective Read below for more information about life and AD&D plan design changes and rates. You can also refer to the SPD and/or insurance certificate found under Benefits Online for more plan terms and conditions, such as dual coverage rules, coverage reductions due to age (at 65 and older) and exclusions. If you are currently enrolled for Optional Employee and/or Optional Spouse Life, we have mapped your current Employee (EE) coverage to the next higher multiple of pay and your Spouse (SP) coverage to the next higher amount. Note: If your current EE coverage is already at a multiple of pay or your SP coverage is already at one of the flat amount choices, your current coverage will remain the same in See examples on page 7. OPTIONAL LIFE CALCULATION: For purposes of determining Optional Employee life insurance benefits and premiums for 2018, your base salary as of September 1, 2017 will be used. The rate used to calculate your premiums will be based on your age as of December 31, Any pay increases in 2018 will not affect the cost of coverage, but will be reflected in any benefits paid. Optional Spouse life premiums will also be based on your spouse s age as of December 31, DESIGNATE OR UPDATE YOUR BENEFICIARIES Protect your loved ones and review and update your beneficiary designations online today for Life and AD&D insurance, and for your Retirement and Savings Plan. It s important! Go to Benefits Online for instructions. Basic Life and Basic AD&D. The company-paid Basic Life and Basic AD&D coverage will continue to be 2x your annual base salary (rounded up to the next $1,000). The maximum coverage for each is $1.2 million. Optional Life Insurance. If you decide you need more life insurance protection, you can purchase additional Optional Life insurance for you and your dependents. Note: overall our optional employee and spouse life insurance rates will decrease for 2018 (see page 2). Additional coverage may be subject to Evidence of Insurability (EOI), also known as proof of good health. Securian will contact you in January 2018 if any part of your elected coverage is subject to EOI. Please check your Personal Report for your current and 2018 optional life coverage and cost. Due to our plan design changes your coverage and cost will likely be changing. Optional Employee and Optional Spouse Life Optional Employee Life Insurance can be purchased in multiples of 1x to 5x your annual base salary up to the lesser of 5x salary or $2 million. Coverage is rounded up to the next $1,000. Optional Spouse Life Insurance can be purchased in flat amounts and you have five choices: $25,000 $50,000 $100,000 $150,000 $250,000. Spouse life cannot exceed the employee s Basic and Optional eligible amount. Optional Child Life Insurance covers children from live birth to age 26 for $10,000 each for one flat premium. Beginning in 2018 you do not need to be enrolled for optional employee life to purchase spouse or child life. Employees adding coverage who are not currently enrolled for Optional Employee or Optional Spouse coverage will be required to provide Evidence of Insurability (EOI) also known as proof of good health. An application will be mailed to you in January KMONLINE > BENEFITS ONLINE

9 LIFE AND AD&D INSURANCE INITIAL ENROLLMENT PERIOD AND GUARANTEED ISSUE (GI) During this initial enrollment period only, currently participating employees will be eligible to elect Optional Employee Life coverage up to the guaranteed issue (GI) limit of three times annual base pay not to exceed $500,000 without EOI. The GI limit is the amount offered without regard to your health status and not subject to EOI. If you are currently enrolled for Optional Spouse Life you will be eligible to apply for spouse coverage up to the GI limit of $50,000 without EOI. If you elect an amount above the GI limit for Optional Employee or Optional Spouse Life, you will only pay premiums for the approved amount (or mapped amount for 2018) until the EOI determination is made. If your EOI application is approved, your premiums will increase as soon as administratively possible. NOTE: Employees currently not participating in optional life can enroll with EOI. Future Enrollment Periods During future enrollments, employees currently enrolled in Optional Employee Life will be eligible to increase coverage by one level of coverage up to the GI limit of three times annual base pay not to exceed $500,000 without EOI. For Optional Spouse Life, currently enrolled employees will only be able to apply for one level of spouse coverage up to the GI limit of $50,000, without EOI. Our new Optional Employee Life and Optional Spouse Life 2018 rates are on page 2. Child Life and AD&D rates will not be changing for Voluntary Accidental Death & Dismemberment (AD&D) You may elect Voluntary AD&D coverage for just yourself or for you and your family. Family AD&D coverage is a percentage of the employee s elected amount (see page 2). Coverage can be 1x to 5x your annual base pay rounded up to the next $1,000. Maximum coverage is the lesser of the 5x or $2 million EMPLOYEE & SPOUSE MAPPING EXAMPLES: Joe earns $48, annually Current EE coverage: $10, mapped coverage: 1x or $49,000 During this initial enrollment period Joe can elect 1x to 3x without EOI. Current SP coverage: $5, mapped coverage: $25,000 Joe elects $100,000 in SP life for 2018 which is above the GI amount. During this initial enrollment period he can enroll for $50,000 without EOI. The additional $50,000 is subject to EOI, and Joe s spouse must complete the EOI application and Securian determines approval or denial. Mary earns $75,000 annually Current EE coverage: $150, mapped coverage: 2x or $150,000 During this initial enrollment period Mary can elect 1x to 3x without EOI coverage remains the same since current amount is already a multiple of pay. Current SP coverage: $0.00 Any elected amount is subject to EOI Mary elects $50,000 in SP life for 2018, and since she is currently not enrolled for SP life, the $50,000 is subject to EOI, and Mary s spouse must complete the EOI application and Securian determines approval or denial. Other Securian Value-added Services Available 1/1/2018: Legal, Financial & Grief Resources Legacy Planning Travel Assistance Services Go to Benefits Online for more information. ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1,

10 PRE-TAX CONTRIBUTIONS PRE-TAX CONTRIBUTIONS You can voluntarily elect to make pre-tax contributions to a spending account to help pay for your eligible health care or dependent care expenses. You must actively enroll and elect your annual pre-tax contributions for Your 2017 elections will not carry forward. Your Health Savings Account (HSA) or Flexible Spending Account (FSA) contributions will be deducted pre-tax from your paychecks throughout Learn more about HSAs and FSAs by reading and reviewing pages 8 and 9. HSA AND FSA CONTRIBUTIONS HSA 1 Health Care FSA Limited Purpose FSA (LFSA) 2 Dependent Care FSA Eligible if Enrolled in HDHP Yes No Yes Yes Eligible if NOT Enrolled in HDHP No Yes No Yes Annual Contribution Limits $3,450/ $6,900 $2,600 $2,600 $5,000 Eligible Expenses (per IRS) 3 Health Care Health Care Dental & Vision Dependent Care Plan Year End Date (to incur expenses) N/A 03/15/19 03/15/19 12/31/18 Claim Filing Deadline N/A 03/31/19 03/31/19 03/31/19 Administrator Optum Bank PayFlex PayFlex PayFlex 1 Annual HSA limits: $3,450 for employee only coverage, and $6,900 for family coverage. An employee age 55 or older can make an additional $1,000 in catch-up contributions to an HSA. 2 LFSA may be used to pay for eligible dental and vision expenses; eligible medical and prescription expenses can be submitted after you meet your annual medical deductible (proof is required). 3 Health care can include qualifying medical, dental, or vision expenses. Dependent Care qualified expenses can include: daycare for children by qualified caregivers, summer day camps, and after school care. Keep in mind that while both Health Savings Account and Flexible Spending Account contributions lower your taxable income, according to IRS rules, HSA dollars are not forfeited if you don t use them during the plan year they continue to rollover from year to year. However, FSA dollars operate under the use it or lose it policy. If all of the money deposited into an FSA is not used for qualified expenses by the plan year end date (see chart above), those dollars are forfeited; therefore, plan carefully. FSA and HSA account holders should also save receipts in case of an IRS audit. You can also review the Flexible Spending Benefit Plan SPD for more HSA and FSA details. Examples of eligible HSA or FSA expenses include: Doctor s office visits and exams Prescription drugs Medical testing devices (i.e. Blood sugar test kits) Physical Therapy Acupuncture Hearing aids (and batteries) Explore the Optum Bank website at or the PayFlex website at for other eligible (or ineligible) services. You can also refer to IRS Publication 502 and 969 at for more information. 8 KMONLINE > BENEFITS ONLINE

11 PRE-TAX CONTRIBUTIONS Health Savings Account (HSA) If you are enrolled in the High Deductible Health Plan (HDHP) you can elect to make HSA pre-tax contributions to pay for qualified healthcare expenses for you, your spouse, and eligible dependents. Kinder Morgan will open your account with our HSA trustee, Optum Bank, if you are contributing for the first time. Your pre-tax dollars will be deposited once your account is established. Be on the lookout to receive an Optum Bank MasterCard and PIN at your home address. You can access and manage your HSA via the UHC website at or by registering on the Optum Bank website at A Health Savings Account is a savings plan for your health. Contributions to an HSA are tax-deductible up to the annual limit, and money you take out of your HSA to pay for qualified medical expenses is also tax-free. Flexible Spending Accounts (FSAs) We have three FSAs available: the Health Care FSA, the Dependent Care FSA, and the Limited Purpose Health Care FSA (LFSA). If you elect to make FSA pre-tax contributions, you can access your account and helpful tools and resources 24/7 by registering on the PayFlex website at and by downloading the PayFlex mobile app. You should also receive a PayFlex MasterCard at home to pay for eligible expenses if you are newly enrolling. You can also use the online features or the mobile app to reimburse yourself. It s easy. Health Care FSA available if enrolled in the PPO, EPO, OOA, or Kaiser medical options You can use your health care FSA dollars to pay for eligible out-of-pocket medical, prescription drug, dental, and vision expenses for you, your spouse, and your tax dependents. Out-of-pocket expenses can include deductibles, coinsurance, and co-pays. Dependent Care FSA Dependent Care can be used for child daycare expenses if the child is 13 years old or younger, a spouse who is unable to work and care for him or herself, or another adult dependent who is unable to care for him or herself and for whom you claim the dependent exemption on your taxes. Limited Purpose Health Care FSA available if enrolled in the HDHP medical option A Limited Purpose FSA generally pays for eligible dental and vision expenses. The LFSA may also cover other health care expenses (medical and Rx) after you complete a PayFlex Post-Deductible Expense Reimbursement Certification Form and prove that you have met your medical deductible. Providing an Explanation of Benefits (EOB) showing when you met your medical deductible will be considered proof. ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1,

12 STATUS CHANGES ::: OTHER PROGRAMS QUALIFIED STATUS CHANGES Take the time to think carefully about your 2018 benefit choices. You can only change your elections in 2018 if you have a qualified change in status, such as marriage, birth or adoption of a child, divorce or legal separation, death of a covered dependent, or a change in your spouse s or domestic partner s employment status. Changes due to a qualified change in status during the year must be made within 30 calendar days of the event. The date of the event is considered day one. To report your qualifying event, complete and submit the Employee Benefits Change Request (EBCR) form, including the supporting documentation to benefits@kindermorgan.com with your name and Employee ID on all documents and in the subject line. The EBCR form is available at KMONLINE > Benefits Online UHC offers many services, tools and resources to help you and your family manage your healthcare needs when you are enrolled in a UHC plan. Below are just a few of the programs available to you. Register on today, and be sure to download the mobile app to have all the information you need at your fingertips, any time and anywhere. UHC REAL APPEAL WEIGHT LOSS PROGRAM Enroll in Real Appeal if you want to get inspired and motivated to lose weight and live a healthier life. Real Appeal is a personalized and interactive online weight-loss program that is offered to UHC members at no cost. Real Appeal helps you lose weight and reduce your risk of developing certain illnesses like diabetes and cardiovascular disease. From personal coaches, online group classes, nutrition and fitness guides to food and exercise trackers, Real Appeal offers the support and guidance you need to begin and continue your journey to better health and lifelong wellness. Register today at GET HEALTHY AND RALLY Getting healthier is easy with UHC s Rally program. It s simple, fun and personalized. Log onto the website and click on Health Resources to get started today. Complete the Rally health survey that will calculate your Rally age and provide you with health recommendations tailored just for you. There s missions and challenges, that you can participate in and track, such as virtual city walks using real-world steps. Plus more good news you earn coins that you can use to buy rewards, and there s a mobile app! Join today. VIRTUAL VISITS Get access to care online at any time for non-emergency medical and mental health conditions. A virtual visit lets you connect and talk to a doctor from your mobile device or computer without leaving your home. Doctors can even write a prescription. Login to and learn more. UHC NURSELINE The UHC NurseLine service is available 24 hours every day for you and your family to help answer your health-related questions. Call (800) toll-free to reach a nurse who can provide you with information. TTY/TDD (Hearing impaired) (800) EMPLOYEE ASSISTANCE PROGRAM (EAP) Kinder Morgan s EAP is a free and voluntary assessment and referral service. Our EAP is designed to provide confidential support and counseling to help you and your family cope with life s many challenges. Contact the Optum EAP 24/7 at (866) or go online at (access code: kinder) to access helpful tools and resources. 10 KMONLINE > BENEFITS ONLINE

13 CONTACTS LIST PROVIDER TELEPHONE SERVICE/GROUP ID WEBSITE KM Benefits Department (866) option 3 Benefits KMONLINE > Benefits Online Scan and documentation to this address: AnnualEnrollment@kindermorgan.com Fax documentation to this number: (713) Mail documentation to this address: KM Benefits Department Please write your name and employee ID on all 1001 Louisiana St., Suite 1000 scanned documents and subject line. Houston, TX UnitedHealthcare (UHC) (877) Medical (700639) Kaiser (HMO) - California (800) Medical ( ) CVS Caremark (800) Prescription - Rx (5101) Cigna (800) Dental ( ) Vision Service Plan (800) Vision ( ) Optum EAP (866) Employee Assistance Program Access Code: kinder UHC - Nurseline (800) Optum NurseLine Available 24/7 Optum Bank (800) Health Savings Account PayFlex (844) Flexible Spending Accounts Prudential (Securian effective 1/1/2018) (800) Life & AD&D Insurance (51297) KM Benefits Service Center (866) Retirement (Pension) Plan Empower Retirement (844) Savings Plan - 401(k) AXA Assistance (800) Travel Assistance Program Computershare (800) ESPP www-us.computershare.com/employee It s important to review your beneficiary designations at least annually, and update them if necessary. Find the instructions on KMONLINE > Benefits Online ENROLLMENT PERIOD: OCTOBER 18 NOVEMBER 1,

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