BENEFITS ANNUAL ENROLLMENT TOOLKIT

Transcription

1 2019 BENEFITS ANNUAL ENROLLMENT TOOLKIT Enroll at livetheorangelife.com anytime Nov. 1 - Nov. 16. Key Dates...Page 1 Communication Samples Oct. 3 Postcards...Pages 2-4 Full-time Guide Template...Pages 5-28 Part-time Guide...Pages 29-36

2 Enroll at livetheorangelife.com anytime Nov. 1 - Nov. 17. PART-TIME ASSOCIATES Your 2018 benefits elections will carry over to 2019 if you do not take action. FULL-TIME ASSOCIATES IF YOU DO NOT ACTIVELY ENROLL IN THESE PLANS, YOU WILL NOT HAVE COVERAGE IN Medical Health Savings Account Health Care/Dependent Care Spending Accounts For all other benefits, your 2018 elections will carry over to _ 9/19/18 10:22 AM Page 1 KEY DATES DATE DESCRIPTION ACTION Oct. 1 or 2 Quarterly HR Conference Call Annual Enrollment Focused Attend one of the calls or listen to one of the recorded calls: Monday, October 1: 4 p.m. ET (Call in #: , Passcode: ) To access the presentation and follow along, click on this link: Tuesday, October 2: 9 a.m. ET (Call in #: , Passcode: ) To access the presentation and follow along, click on this link: How to access a recording of the call: A copy of the presentation will be available Monday, October 8 at myapron > mythdhr > Money, Benefits & Personal Info > Benefits > 2019 Annual Enrollment Update Oct. 8 Week of Oct. 15 Annual Enrollment Communications Available to Associates and Postcards Begin to Mail Annual Enrollment Communication Kit Be aware that associates can begin finding 2019 Annual Enrollment information on livetheorangelife.com/ae, including the Online Enrollment Guide. Also know that postcards begin to drop in the mail notifying associates of their enrollment period. A sample of the postcard is on the back page of this Toolkit. Be on the lookout for the Annual Enrollment Communication Kit to arrive at your work location. The kit will have the following contents: Annual Enrollment Clings/Posters (3 copies) 2019 BENEFITS ANNUAL ENROLLMENT NOV. 1 - NOV. 16 Livetheorangelife.com/ae The Monthly Advantage Cling for Oct. & Nov. (1 copy) Annual Enrollment Toolkit (2 copies) 2019 BENEFITS ANNUAL ENROLLMENT TOOLKIT TAKE ACTION Oct. 29 Annual Enrollment Posters/Clings & Communication to Associates Hang the two posters/clings in your location by this date. The Clings can be found in the Annual Enrollment Communication Kit. Full-time associates enrolled in a Home Depot Medical Plan in 2018 will receive a text/ reminding them Annual Enrollment is coming up, and if they do not take action, they will not have coverage in Medical for Postcards will also be mailed too. Nov. 1 Annual Enrollment Begins Remind associates that Annual Enrollment begins today and goes through Nov s and texts will go out to associates reminding them that enrollment starts today. Nov. 8 Nov. 16 Annual Enrollment Reminders Last Day of Communicated Enrollment Full-time associates enrolled in a Home Depot Medical Plan in 2018 will receive a text/ reminding them if they do not take action during enrollment, they will not have coverage in Medical for These reminders will continue weekly through Dec. Remind associates that this is the last day of enrollment for 2019 Benefits. If full-time associates don t take action, they will not have coverage in Medical, Health Savings Accounts or Health Care or Dependent Care Spending Accounts for Nov. 20 Online Enrollment Closes Know that if an associate for some reason missed the enrollment deadline, they can still enroll through the Benefits Choice Center until Dec. 31 at 5 p.m. ET. Dec. 31, 5 p.m. ET Last Day/Time to Make Changes to 2019 Benefits The Benefits Choice Center ( ) will be open through Dec. 31 at 5 p.m. ET to make any last minute changes to 2019 benefits. Note: After the 2019 Annual Enrollment Period, associates will not be able to make changes unless they experience a Qualifying Life Event. This is a requirement by the Federal Government. 1

3 2019 Annual Enrollment Postcard U.S. Full-Time (Not enrolled in the 2018 Silver Plus PPO Medical Plan) 3522 Ashford Dunwoody Road NE #223 Atlanta, GA DON T MISS YOUR 2019 ANNUAL ENROLLMENT MARK YOUR CALENDAR NOV. 1 - NOV. 16 GET THE SCOOP Livetheorangelife.com/ae For more information on 2019 Annual Enrollment, visit livetheorangelife.com/ae HERE S WHAT S CHANGING: Medical is the plan that will be making headlines in Annual Enrollment this year. NEW MEDICAL CARRIER FOR MOST DISCOUNTS AVAILABLE FOR HEALTHY LIVING NEW TOOL IN ENROLLMENT TO HELP YOU ESTIMATE MEDICAL COSTS NO HABLA O LEE INGLÉS? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. 19AEFT NEW MEDICAL PLANS FOR ALL NEW 24/7 CARE PROVIDER FOR SOME NEW TOOL TO UNDERSTAND DOCTOR QUALITY 2019 BENEFITS ANNUAL ENROLLMENT YOUR ACTION NEEDED IF YOU DO NOT ACTIVELY ENROLL IN THESE PLANS, YOU WILL NOT HAVE COVERAGE IN Medical - If you do not actively enroll, you will not have coverage in To enroll and to certify for valuable discounts, take action during Annual Enrollment. TAKE ACTION Health Savings Account (HSA) - If you enroll into the Deductible First Medical Plan, you are eligible for the HSA.* HSA elections from 2018 will not carry over and you must re-elect them. Health Care/Dependent Care Spending Accounts - To save money in a spending account, you must make an active election for Spending account elections from 2018 will not carry over. For all other benefits, your 2018 elections will carry over to * You must also meet the IRS HSA eligibility requirements. PLEASE NOTE: Annual Enrollment is your time to review and make changes to your benefits. Don t miss out. After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 2

4 2019 Annual Enrollment Postcard U.S. Full-Time (Enrolled in the 2018 Silver Plus PPO Medical Plan) 3522 Ashford Dunwoody Road NE #223 Atlanta, GA DON T MISS YOUR 2019 ANNUAL ENROLLMENT MARK YOUR CALENDAR NOV. 1 - NOV. 16 GET THE SCOOP LIVETHEORANGELIFE.COM/2019AE For more information on 2019 Annual Enrollment, visit livetheorangelife.com/2019ae NO HABLA O LEE INGLÉS? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. FTMEDSL HERE S WHAT S CHANGING: Medical is the plan that will be making headlines in Annual Enrollment this year. Our records indicate in 2018 you are enrolled in the Silver Plus PPO Medical Plan. Because of this, in 2019 you will be offered the Transition Medical Plan. This plan is only available to associates enrolled in the Silver Plus PPO in 2018 to help with the transition. NEW MEDICAL CARRIER FOR MOST NEW MEDICAL PLANS FOR ALL DISCOUNTS AVAILABLE FOR HEALTHY LIVING NEW 24/7 CARE PROVIDER FOR SOME NEW TOOL IN ENROLLMENT TO HELP YOU ESTIMATE MEDICAL COSTS NEW TOOL TO UNDERSTAND DOCTOR QUALITY 2019 BENEFITS ANNUAL ENROLLMENT YOUR ACTION NEEDED IF YOU DO NOT ACTIVELY ENROLL IN THESE PLANS, YOU WILL NOT HAVE COVERAGE IN Medical - If you do not actively enroll, you will not have coverage in To enroll and to certify for valuable discounts, take action during Annual Enrollment. TAKE ACTION Health Savings Account (HSA) - If you enroll into the Deductible First Medical Plan, you are eligible for the HSA.* HSA elections from 2018 will not carry over and you must re-elect them. Health Care/Dependent Care Spending Accounts - To save money in a spending account, you must make an active election for Spending account elections from 2018 will not carry over. For all other benefits, your 2018 elections will carry over to * You must also meet the IRS HSA eligibility requirements. PLEASE NOTE: Annual Enrollment is your time to review and make changes to your benefits. Don t miss out. After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 3

5 2019 Annual Enrollment Postcard U.S. Part-Time Hourly DON T MISS YOUR 2019 ANNUAL ENROLLMENT MARK YOUR CALENDAR NOV. 1 - NOV. 16 FOR DETAILS ON 2019 ANNUAL ENROLLMENT, visit livetheorangelife.com/ae YOUR 2018 BENEFIT ELECTIONS WILL CARRY OVER TO 2019 IF YOU DO NOT TAKE ACTION Ashford Dunwoody Road NE #223 Atlanta, GA PLEASE NOTE: Annual Enrollment is your time to review and make changes to your benefits. Don t miss out. After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Part-time Hourly Associates located on livetheorangelife.com. For more information on 2019 Annual Enrollment, visit livetheorangelife.com/ae NO HABLA O LEE INGLÉS? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. 19AEPT 4

6 2019 BENEFITS ANNUAL ENROLLMENT Guides for full-time associates will vary by: Home ZIP code, and If they are enrolled in the Silver Plus PPO plan in 2018 To get the guide specific to your area visit livetheorangelife.com/ae [or for those enrolled in the Silver Plus PPO plan they will be directed to livetheorangelife.com/2019ae]. Once on that page the associate will enter their zip code and the guide specific to that area will be available. 5 This is a template guide for you. Please note, areas in yellow indicate where there is variability. The guide online will be populated based on carriers, design and pricing for the specific ZIP code.

7 TOP 4 THINGS TO KNOW ENROLLMENT IS NOV. 1 NOV KNOW WHAT S CHANGING Medical is the plan that will be making headlines this year. Read this guide to get the scoop & much more. LEARN MORE GO TO PAGE 3 BEGINNING NOV. 1, ENROLL BY LOGGING ON AT LIVETHEORANGELIFE.COM IMPORTANT: YOU WILL NEED YOUR PASSWORD. BE PREPARED Make sure you know your password before Nov. 1. You also can enroll by calling the Benefits Choice Center at between 9 a.m. and 7 p.m. ET, Mon. through Fri. Call volume may be heavy, so please be prepared for long wait times. NO HABLAS O LEES INGLÉS? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. 3 4 YOUR ACTION NEEDED COVERING A IF YOU DO NOT ACTIVELY ENROLL IN THESE PLANS, YOU WILL NOT HAVE COVERAGE IN Medical Health Savings Account Health Care/Dependent Care Spending Accounts For all other benefits, your 2018 elections will carry over to TAKE ACTION Don t miss out. Annual Enrollment is your time to review and make changes to your benefits. After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. LEARN MORE GO TO PAGE 22 1 SPOUSE OR A CHILD IN A HEALTH CARE PLAN? You might need to provide documentation to verify their eligibility. LEARN MORE GO TO PAGE 22 6

8 THE SCOOP ON YOUR 2019 MEDICAL PLAN TAKE ACTION IF YOU DO NOT ACTIVELY ENROLL, YOU WILL NOT HAVE MEDICAL COVERAGE IN NEW MEDICAL CARRIER FOR MOST Page 3 DISCOUNTS AVAILABLE FOR HEALTHY LIVING Page 10 & 11 NEW TOOL IN ENROLLMENT TO HELP YOU ESTIMATE MEDICAL COSTS Page 7 & 8 NEW MEDICAL PLANS FOR ALL Page 4 & 5 NEW 24/7 CARE PROVIDER FOR SOME NEW TOOL TO UNDERSTAND DOCTOR QUALITY Page 9 Page After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 7

9 NEW 2019 MEDICAL CARRIERS FOR MOST IN 2019 WE WILL PARTNER WITH: YOUR 2019 CARRIER IS: The carrier available to you will be based on your home ZIP code. THINGS WE EVALUATE TO DETERMINE WHICH CARRIER IS OFFERED BY ZIP CODE: + + = PRICE The best discount with doctors and facilities QUALITY Access to high quality doctors and facilities to help you achieve better health outcomes CUSTOMER SERVICE Equipped to serve you best YOUR CARRIER TO FIND AN IN-NETWORK PROVIDER, VISIT 3 IMPORTANT! Make sure your doctor is in-network. Most plans will not cover services received out-of-network in

10 NEW 2019 MEDICAL PLANS FOR ALL INTRODUCING THREE NEW PLANS TAKE ACTION IF YOU DO NOT ACTIVELY ENROLL, YOU WILL NOT HAVE MEDICAL COVERAGE IN TWO plans with copays for office visits. The deductible only applies to outpatient procedures, surgeries and hospital stays. 1 BASE MEDICAL PLAN 2 & HIGHER OUT-OF-POCKET COST WHEN SERVICES ARE USED LOWER PAYROLL DEDUCTIONS PLUS MEDICAL PLAN LOWER OUT-OF-POCKET COST WHEN SERVICES ARE USED & HIGHER PAYROLL DEDUCTIONS ONE plan that requires you to meet the deductible first, before it pays anything for services. 2 But gives you the option to save money in a Health Savings Account for future health care expenses. 3 DEDUCTIBLE FIRST MEDICAL PLAN HIGHER OUT-OF-POCKET COST WHEN SERVICES ARE USED LOWER PAYROLL DEDUCTIONS 1 After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 2 Except for certain preventive care services and prescriptions. & 4 LEARN MORE GO TO PAGE 23 LEARN MORE GO TO PAGE 5 NOTE: Associates enrolled in the Silver Plus PPO plan in 2018 will see an additional option during enrollment the Transition Plan. 9

11 2019 MEDICAL PLAN OVERVIEW TAKE ACTION IF YOU DO NOT ACTIVELY ENROLL, YOU WILL NOT HAVE MEDICAL COVERAGE IN Shows what you pay for associate only in-network coverage MEDICAL PLAN OPTION BASE PLUS DEDUCTIBLE FIRST Medical Carrier 2 You might consider this plan if... You have occasional health care needs You have moderate to high health care needs or you feel like you need more coverage in case the unexpected happens You want to take advantage of a health savings account (HSA) and have extra money on hand to pay the $3,000 deductible since the plan doesn t pay until the deductible is met Trying to compare with 2018 plans? While the 2019 plans are very different, here s the closest match. Annual Deductible Bronze HDHP Gold PPO Silver Plus HDHP $3,000 (applies to outpatient procedures, surgeries & hospital stays only) $1,500 (applies to outpatient procedures, surgeries & hospital stays only) Office Visit PCP $45 copay $25 copay $3,000 deductible first, then 30% Office Visit Specialist $75 copay $50 copay $3,000 deductible first, then 30% Certain Preventive Care $0 $0 $0 24/7 Care $0 $0 $3,000 deductible first, then $0 Surgeries & Hospital Stays $3,000 deductible, then 30% $1,500 deductible, then 20% $3,000 deductible first, then 30% Prescription Drugs 30% up to $40 for generics, or $200 for preferred brands 20% up to $20 for generics, or $100 for preferred brands $3,000 $3,000 deductible first, then 30% Out-of-Pocket Maximum 3 $6,000 Medical & Rx $4,000 Medical / $500 Rx $6,000 Medical & Rx Will pay for services received out-of-network (OON) No Only eligible services received in-network will be covered No Only eligible services received in-network will be covered Yes Eligible OON services will be paid at 50% once the $6,000 OON deductible is met Health Savings Account eligible No No Yes, up to $500 Company match GO TO PAGE 1 TO LEARN MORE ABOUT HSA Biweekly Payroll Deduction 4 1 After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 3 Annually you will not pay more than the out-of-pocket maximum. 4 Biweekly payroll deductions assume the Tobacco-Free and Healthy Living Program discounts received, see page 9 for more details. NOTE: Associates enrolled in the Silver Plus PPO plan in 2018 will see an additional option during enrollment the Transition Plan. LEARN MORE GO TO PAGE 23 5 THESE BIWEEKLY PAYROLL DEDUCTIONS INCLUDE THE TOBACCO-FREE AND HEALTHY LIVING PROGRAM DISCOUNTS. BEGINNING 2019, THESE DISCOUNTS WILL BE INCLUDED IN YOUR MEDICAL PAYROLL DEDUCTION. YOU WILL NOT SEE A SEPARATE CREDIT LINE ITEM. 10

12 PRESCRIPTION DRUG COVERAGE PRESCRIPTION DRUG COVERAGE IS INCLUDED IF YOU ENROLL IN A HOME DEPOT MEDICAL PLAN. THE PRESCRIPTION DRUG BENEFIT IS ADMINISTERED BY CVS/CAREMARK. GET THE MOST OUT OF YOUR RX BENEFIT PAY LESS FOR PRESCRIPTIONS AT IN-NETWORK PHARMACIES. IN-NETWORK PHARMACIES INCLUDE: NEED TO TRANSFER YOUR PRESCRIPTION TO AN IN-NETWORK PHARMACY? RETAIL PHARMACY: Simply bring in your current prescription drug label (found on your medicine container) or tell the pharmacist as much information as you have. The pharmacist will contact the pharmacy that last filled your prescription and make the transfer for you. MAIL ORDER: Call CVS Caremark Customer Care at or log on at livetheorangelife.com > Contacts & Documents > CVS/Caremark. On the CVS/Caremark website you can request mail order service. You ll need your prescription drug label (found on your medicine container). CLICK HERE TO FIND AN IN-NETWORK PHARMACY YOU CAN GET 30 OR 90 DAY PRESCRIPTIONS AT ANY IN-NETWORK PHARMACY. USE GENERICS WHENEVER POSSIBLE. LIVETHEORANGELIFE.COM/2019RX CLICK HERE TO FIND THE PRICE OF A DRUG 6 11

13 NEW TOOL IN ENROLLMENT TO HELP YOU ESTIMATE MEDICAL COSTS During your enrollment session, access the Estimate Your Medical Expenses tool. In the tool, you will input your anticipated usage in the Medical Plan for Based on that usage, it will display your annual anticipated cost by plan, including your payroll deductions. Here are examples of how this works. MOLLY ANTICIPATES THE FOLLOWING MEDICAL SERVICES IN 2019: 1 - Annual Physical 1 - Generic Prescription Drug (taken daily) 2 - PCP Office Visits 1 - ER Visit (just in case) MEET MOLLY BASED ON ANTICIPATED COSTS, Molly might want to consider the Base Medical Plan for ANNUAL COST DETAILS BASE PLUS DEDUCTIBLE FIRST Payroll Deductions 1 $1,404 $2,730 $1,144 Out-of-Pocket Expenses Deductible $0 $0 $2,166 Office Visits $90 $50 $0 Hospitalizations/Emergency Room $562 $375 $0 Prescription Drug Expenses $10 $7 $0 Other Expenses $0 $0 $0 Out-of-Pocket TOTAL $662 $432 $2,166 Total Annual Anticipated Costs $2,066 $3,162 $3,310 1 Assumes associate only coverage and that you are receiving the Tobacco-Free and Healthy Living Program Discounts. Note: Estimated costs above are based on National Benchmarks and could vary by location and are for illustrative purposes only. 7 NOTE: Associates enrolled in the Silver Plus PPO plan in 2018 will see an additional option during enrollment the Transition Plan. 12

14 NEW TOOL IN ENROLLMENT TO HELP YOU ESTIMATE MEDICAL COSTS BOB ANTICIPATES THE FOLLOWING MEDICAL SERVICES IN 2019: 1 - Wellness Exam 3 - Preferred Brand Drugs (taken daily) 1 - PCP Visits for Sickness 6 - Specialist Visits MEET BOB BASED ON ANTICIPATED COSTS, Bob might want to consider the Plus Medical Plan for ANNUAL COST DETAILS BASE PLUS DEDUCTIBLE FIRST Payroll Deductions 1 $1,404 $2,730 $1,144 Out-of-Pocket Expenses Deductible $0 $0 $3,000 Office Visits $495 $325 $228 Hospitalizations/Emergency Room $0 $0 $0 Prescription Drug Expenses $2,400 $500 $1,977 Other Expenses $0 $0 $0 Out-of-Pocket TOTAL $2,895 $825 $5,205 Total Annual Anticipated Costs $4,299 $3,555 $6,349 1 Assumes associate only coverage and that you are receiving the Tobacco-Free and Healthy Living Program Discounts. Note: Estimated costs above are based on National Benchmarks and could vary by location and are for illustrative purposes only. 8 NOTE: Associates enrolled in the Silver Plus PPO plan in 2018 will see an additional option during enrollment the Transition Plan. 13

15 NEW TOOL TO UNDERSTAND DOCTOR QUALITY YOUR NEIGHBOR WAYS YOU MIGHT FIND A DOCTOR TODAY GOOGLE YOUR FAMILY YOUR CO-WORKER ADVERTISEMENTS/COMMERCIALS BEST MATCH FOR YOU But do you really know how the recommended doctor stacks up against their peers when it comes to health outcomes? TAKE THE GUESSWORK OUT Use the new Grand Rounds tool to see how a doctor stacks up IF YOU SEARCH FOR A DOCTOR BY NAME... ACCESS BY: Grand Rounds App OR Visit grandrounds.com/homedepot OR Call your Health Care Support Team at , 8 a.m. - 9 p.m. ET, M-F This view indicates a top quality doctor This view indicates better matches are available This view indicates the doctor has sanctions and there is a potential outstanding safety warning 9 If you need help transferring to a new doctor Grand Rounds can help get your medical records over to your new doctor, make an appointment and much more. To learn about all of Grand Rounds services, visit livetheorangelife.com/hcst. 14

16 DISCOUNTS AVAILABLE FOR HEALTHY LIVING You are eligible for the following two Medical Plan Discounts: Tobacco-Free Discount (See more below) Healthy Living Program Discount (See more on page 10) TAKE ACTION YOU MUST ACTIVELY CERTIFY AND TAKE ANY NECESSARY ACTION TO BEGIN RECEIVING DISCOUNTS IN IMPORTANT: To receive these discounts, you will need to certify for each discount individually during your enrollment session. If you are covering a spouse, they are also eligible for these discounts and you will need to certify separately for each on behalf of your spouse. TOBACCO-FREE DISCOUNT If you and/or your covered spouse have never used tobacco or have been tobacco-free for at least 4 months and are committed to remaining tobacco-free in 2019, you are eligible for the Tobacco-Free Discount. If you are eligible and certify for this discount during Annual Enrollment, your 2019 medical payroll deduction will be lowered. The Medical Plan recognizes the use of tobacco products as: Cigarettes Cigars Dissolvable tobacco products Electronic delivery systems (e-cigarettes, vape devices including Juul) Pipes Smokeless tobacco Roll-your-own tobacco If you think you are unable to meet the Tobacco-Free standards, contact the Benefits Choice Center prior to 4/1/19 at and we will work with you (and if you wish, your medical doctor) to find a reasonable alternative to allow you to earn the credit. If you are ready to quit using tobacco, Home Depot helps support that by offering the Quit For Life Program free of charge. To enroll, call For more information, visit livetheorangelife.com/quitforlife. DID YOU KNOW? More than 21,000 associates and spouses have quit using tobacco with the Quit For Life tobacco cessation program. The program provides personalized, one-on-one strategies and support to help associates mentally and physically prepare to quit

17 DISCOUNTS AVAILABLE FOR HEALTHY LIVING TAKE ACTION YOU MUST ACTIVELY CERTIFY AND TAKE ANY NECESSARY ACTION TO BEGIN RECEIVING DISCOUNTS IN HEALTHY LIVING PROGRAM DISCOUNT If you and/or a covered spouse certify that you will complete the steps below and you take action by each steps deadline, you are eligible to receive the Healthy Living Program (HLP) Discount. If you certify for this discount during Annual Enrollment and complete the required steps, your 2019 medical payroll deduction will be lowered. STEP 1 TAKE THE ORANGELIFE QUESTIONNAIRE Certify that you are eligible for this discount during your enrollment. Then complete the online OrangeLife Questionnaire by Dec. 7 to receive this discount as of Jan. 1. The link to the questionnaire will be available after you complete your enrollment. STEP 2 KNOW YOUR NUMBERS Participate in the Hidden Health Risk Screening by Feb. 1 to continue earning this discount. STEP 3 TAKE ACTION You will receive a Healthy Living Checklist with action items personalized to you. Complete one item by May 1 and another item by Sept. 1 to continue receiving this discount. COVERING YOUR SPOUSE? If your spouse will be covered under a 2019 Home Depot Medical plan, they will need to create their own account on livetheorangelife.com to complete the HLP steps. CLICK HERE for a spouse user guide. For an important notice regarding the Healthy Living Credit/ Wellness program, CLICK HERE. If your physician believes that participating in the Screening or completing the Checklist items is medically inappropriate in your particular situation, you can complete a Physician Medical Waiver. A physician's signature is required, and the form is available at livetheorangelife.com/mw or by calling the Benefits Choice Center at Participation in the HLP steps is completely voluntary. Choosing not to participate will only result in individuals not receiving the discount. 11 LIVETHEORANGELIFE.COM/HLP 16

18 NEW 24/7 CARE PROVIDER FOR SOME WHAT IS 24/7 CARE? The quality care you need with the convenience you want. Speak to a licensed doctor by web, phone or mobile app in minutes. WHO IS THE PROVIDER IN 2019? HOW MUCH DOES IT COST? WHAT CAN IT BE USED FOR? BASE & PLUS MEDICAL PLANS No copay Visits are FREE DEDUCTIBLE FIRST MEDICAL PLAN To comply with legal regulations, you will pay 100% of the visit cost until the deductible is met. Visit costs range from $40 to $160 depending on the type of visit. After the deductible is met, visits are free. GENERAL MEDICAL Allergies Bronchitis Cold/flu Eye infection/pink eye Poison ivy/oak Sinusitis, and more! DERMATOLOGY There is no need to wait weeks to receive skin care. Teladoc gives you a quick, convenient and discreet solution for treating skin conditions like skin infections, acne, rash, moles/warts and more. BEHAVIORAL HEALTH Schedule a phone or video appointment with a psychiatrist, psychologist, licensed clinical social worker, counselor or therapist to treat conditions like stress/anxiety, depression, addiction, family difficulties and more. NOTE: Associates enrolled in the Silver Plus PPO plan in 2018 will see an additional option during enrollment the Transition Plan. The Transition Plan will also have no copay for 24/7 Care visits. 12 LIVETHEORANGELIFE.COM/ CARE 17

19 2019 MEDICAL PAYROLL DEDUCTIONS Below are payroll deductions for those receiving both the Tobacco-Free Discount and Healthy Living Program (HLP) Discount. To find the payroll deductions for those that do not qualify for one or both discounts, visit livetheorangelife.com/medpayroll. ASSOCIATE ONLY SPOUSE CHILDREN 2 FAMILY 2 BIWEEKLY MEDICAL PAYROLL DEDUCTIONS (RECEIVING TOBACCO-FREE AND HLP DISCOUNTS) 1 1 To qualify for the Tobacco-Free Discount, you must actively certify during your enrollment that you are at least 4 months Tobacco-Free (or have never used tobacco) and will continue to be Tobacco-Free in 2019 or complete the reasonable alternative. If you think that you are unable to meet the Tobacco-Free standards, contact the Benefits Choice Center at prior to 4/1/19 and we will work with you (and, if you wish, your doctor) to find a reasonable alternative to allow you to earn the lower payroll deductions. To qualify for the HLP Discount, you must actively certify during your enrollment and complete the steps of the HLP by the deadlines. If your physician believes that participating in the Screening or completing the Checklist items is medically inappropriate in your particular situation, you can complete a Physician Medical Waiver. A physician's signature is required, and the form is available at livetheorangelife.com/mw or by calling the Benefits Choice Center at Associates covering three or more children will pay an additional $25 per biweekly pay period. In some instances your paycheck may not be enough to cover the entire amount of your benefits premiums. In those cases, the amount of the premium above your paycheck is still owed and will be collected from your future paychecks. For weekly payroll deductions, take the biweekly payroll deductions and divide by 2. LIVETHEORANGELIFE.COM/MEDPAYROLL 13 18

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21 HEALTH SAVINGS ACCOUNT (HSA) FOR MEDICAL ENROLLEES IN THE DEDUCTIBLE FIRST MEDICAL PLAN TAKE ACTION IF YOU DO NOT ACTIVELY ENROLL, YOU WILL NOT CONTRIBUTE TO AN HSA IN If you enroll in the Home Depot Deductible First Medical Plan and meet the other Health Savings Account eligibility requirements, you can contribute to an HSA offered through Home Depot. An HSA can be used to save and pay for qualified medical expenses. CLICK HERE FOR FREQUENTLY ASKED QUESTIONS A QUICK LOOK AT THE HSA IF YOUR DEDUCTIBLE FIRST MEDICAL PLAN COVERAGE CATEGORY IS: YOU CAN CONTRIBUTE UP TO THIS AMOUNT ANNUALLY TO YOUR HSA 2 THE HOME DEPOT WILL MATCH YOUR HSA CONTRIBUTION ANNUALLY UP TO: Associate Only $3,000 $500 Associate + Spouse Associate + Children Associate + Family $6,000 $1,000 HSA FEATURES MONEY SPENT ON ELIGIBLE HEALTH CARE EXPENSES IS TAX-FREE THE MONEY IN YOUR ACCOUNT EARNS INTEREST IF YOU DO NOT USE THE MONEY IN YOUR HSA ACCOUNT, IT WILL CARRY OVER YEAR AFTER YEAR. YOUR ACCOUNT BALANCE ROLLS OVER FROM YEAR TO YEAR AND REMAINS YOURS SHOULD YOU LEAVE THE HOME DEPOT YOU CAN ROLLOVER OR TRANSFER YOUR HSA FUNDS ONCE WITHIN A 12-MONTH PERIOD Generally, only those eligible health care expenses incurred on or after the date the HSA is established are reimbursable from the HSA. If you plan to contribute to the Home Depot HSA, currently have another HSA and/or plan to roll your current HSA into the Home Depot HSA, please consult your tax advisor as the rules governing HSAs can be very complex. You may also refer to IRS Publication 969 for additional information HSA Biweekly Payroll Deductions ASSOCIATE ONLY SPOUSE CHILDREN FAMILY You can contribute biweekly up to: $ $ The Home Depot will match biweekly up to: $19.23 $38.46 If you enroll in an HSA, you will only be eligible for a Limited Health Care Spending Account. Visit livetheorangelife.com/spendingaccounts for more information. LIVETHEORANGELIFE.COM/HSA 1 After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 2 You can contribute an additional $1,000 if you are age 55 or older

22 SPENDING ACCOUNTS TAKE ACTION IF YOU DO NOT ACTIVELY ENROLL, YOU WILL NOT HAVE A SPENDING ACCOUNT IN A QUICK LOOK AT THE SPENDING ACCOUNTS Health Care Spending Account Dependent Care Spending Account IN 2019 YOU CAN CONTRIBUTE: $260 minimum up to $2,650 maximum $260 minimum up to $5,000 maximum FOR ELIGIBLE EXPENSES YOU INCUR BETWEEN: January 1, 2019 March 15, January 1, 2019 December 31, IF YOU CONTRIBUTE $1,000/YEAR ($38 BIWEEKLY) TO AN ACCOUNT, YOU LL SAVE AT LEAST: $ a year $ a year HOW YOU SAVE MONEY USING THE SPENDING ACCOUNTS When you pay for eligible health care expenses such as deductibles, coinsurance, copayments and prescription drugs and dependent care expenses through these accounts, you are using before-tax dollars, which are put into your account before taxes are taken out of your paycheck. The amount you save depends on your tax bracket and the tax rate in your state. So, if you re in the 12% tax bracket and you also pay the 7.65% Social Security/Medicare tax, you could save as much as 19.65% on expenses you pay for through the accounts. If you pay a state income tax or are in a higher tax bracket, you ll save even more. IF YOU DO NOT USE THE MONEY IN YOUR SPENDING ACCOUNT BY THE DEADLINE, YOU WILL LOSE THE MONEY BE SURE TO SPEND WHAT YOU HAVE SAVED Spending Accounts Biweekly Payroll Deductions Health Care Spending Account You can contribute biweekly up to: Dependent Care Spending Account You can contribute biweekly up to: $ $ NOTE: Annual calendar year IRS limits apply. LIVETHEORANGELIFE.COM/SPENDINGACCOUNTS 1 After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 2 Deadline to submit eligible expenses for reimbursement is April 30,

23 MEDICAL PAYMENT PLAN CASH WHEN YOU NEED IT MOST CASH BENEFIT GOES DIRECTLY TO YOU. If you are hospitalized after your Medical Payment Plan coverage begins, you will receive a lump-sum cash benefit. A Quick Look at the Medical Payment Plan IF YOU RECEIVE THIS SERVICE: Hospital Admission (1 per year for first hospital stay) Daily Hospital Benefit (up to 100 days per coverage year) HOSPITAL ONLY YOUR CASH PAYMENT IS: $1,000 $100 A hospital stay means a period during which a covered person is confined in a hospital, treatment facility, hospice facility, skilled nursing facility or rehabilitation facility and charged for room, board and general nursing services. Stay does not include any period of such a confinement due to custodial or personal needs that do not require medical skills or training. Benefits are payable for pregnancy-related stays, visits and services provided on the same basis as for disease. This example shows how the Medical Payment Plan pays benefits for a three-day hospital stay in February 2019 and a four-day hospital stay in June MEDICAL PAYMENT PLAN BENEFIT EXAMPLE FEBRUARY 2019 Inpatient hospital stay admission (1 per year) Three-day inpatient hospital stay ($100 per day) $1,000 $300 TOTAL BENEFIT $1,300 MEDICAL PAYMENT PLAN BENEFIT EXAMPLE JUNE 2019 Inpatient hospital stay admission (1 per year) Four-day inpatient hospital stay ($100 per day) $0 $400 TOTAL BENEFIT $ Medical Payment Plan Biweekly Payroll Deductions ASSOCIATE ONLY SPOUSE CHILDREN FAMILY Hospital Only $6.69 $13.38 $10.94 $19.44 NOTE: The Medical Payment Plan is NOT a traditional medical plan but will provide some limited assistance with hospitalization costs. You can enroll in this plan regardless of whether you have medical coverage through The Home Depot. This plan does not count as Minimum Essential Coverage (MEC) under the Affordable Care Act (ACA). The Medical Payment Plan is a supplement to health insurance and is not a substitute for major medical coverage. 17 LIVETHEORANGELIFE.COM/MPP 22

24 DENTAL IN-NETWORK DENTAL FEATURES DENTAL CHECK-UP Two cleanings and checkups each calendar year are free (subject to your option s maximum annual benefit). 15% TO 45% DISCOUNT ON SERVICES DISCOUNTS ON COSMETIC DENTISTRY DENTAL OPTIONS 1 MetLife $500 Max 2 MetLife $1,000 Max 3 MetLife $2,000 Max SHOWS WHAT YOU PAY FOR ASSOCIATE ONLY IN-NETWORK COVERAGE DENTAL PLAN OPTIONS METLIFE $500 MAX METLIFE $1,000 MAX METLIFE $2,000 MAX Preventive Care (2 cleanings per year) $0 $0 $0 Annual Deductible (applies to restorative care and orthodontia) Basic Restorative (fillings, oral surgery, root canals, periodontics) $25 $50 $50 30% 25% 20% Major Restorative (crowns, bridges) Not covered 60% 50% Orthodontia (braces) Not covered 50%, up to $750 lifetime maximum per covered dependent child 50%, up to $1,500 lifetime maximum per covered dependent child 2019 DENTAL BIWEEKLY PAYROLL DEDUCTIONS DENTAL ASSOCIATE ONLY SPOUSE CHILDREN FAMILY MetLife $500 Max $6.19 $12.38 $12.54 $18.80 MetLife $1,000 Max $12.91 $25.81 $26.13 $39.20 MetLife $2,000 Max $16.00 $32.01 $32.40 $ LIVETHEORANGELIFE.COM/DENTAL 23

25 VISION IN-NETWORK VISION FEATURES FREE VISION EXAMS The plan covers one free eye exam every 12 months. NEW FOR 2019 Free retinal imaging during free eye exams. DISCOUNTS ON LASER VISION CORRECTION PAY LESS FOR GLASSES AND CONTACTS AT EYEMED SELECT PROVIDERS IN-NETWORK PROVIDERS VISION OPTIONS 1 2 EyeMed Select $120 EyeMed Select $150 LIVETHEORANGELIFE.COM/VISION SHOWS WHAT YOU PAY FOR ASSOCIATE ONLY IN-NETWORK COVERAGE VISION PLAN OPTIONS EYEMED SELECT $120 EYEMED SELECT $150 Disposable Contact Lenses Any remaining balance after plan pays $120 Any remaining balance after plan pays $150 Frames 80% of remaining balance after plan pays $120 (once every 24 months) 80% of remaining balance after plan pays $150 (once every 12 months) Lenses $15 copay $0 copay Lens Options Coverage Some covered, others available at a discount Covered in full 2019 VISION BIWEEKLY PAYROLL DEDUCTIONS VISION ASSOCIATE ONLY SPOUSE CHILDREN FAMILY EyeMed Select $120 $2.32 $4.06 $4.20 $7.03 EyeMed Select $150 $8.99 $16.08 $16.84 $

26 CRITICAL ILLNESS PROTECTION CRITICAL ILLNESS PROTECTION FEATURES PAYS A LUMP-SUM BENEFIT FOR SPECIFIC CONDITIONS,such as heart attack, stroke, cancer, transplant, Alzheimer s disease and paralysis and benefits for eligible travel and lodging expenses. See the chart below for a complete list of covered conditions. The plan is administered by Allstate Benefits. BENEFITS ARE PAYABLE ONLY FOR CONDITIONS DIAGNOSED AFTER YOUR COVERAGE UNDER THE PLAN BEGINS. ALSO PAYS AN ANNUAL BENEFIT OF $75 FOR WELLNESS SERVICES. In some cases, that $75 could cover the cost of your Critical Illness Protection Plan coverage. CRITICAL ILLNESS PROTECTION OPTIONS 1 2 $5,000 $10, $20,000 $30,000 PAYROLL DEDUCTIONS FOR THIS BENEFIT WILL BE AVAILABLE DURING YOUR ENROLLMENT SESSION. A QUICK LOOK AT CRITICAL ILLNESS PROTECTION PLAN PAYS 100% OF BENEFIT AMOUNT FOR: PLAN PAYS 25% OF BENEFIT AMOUNT FOR: PLAN PAYS UP TO $75 PER CALENDAR YEAR FOR EACH COVERED PERSON FOR ONE OF THE FOLLOWING ELIGIBLE WELLNESS SERVICES: Heart attack Stroke Invasive cancer Heart transplant Lung transplant Liver transplant Pancreas transplant Kidney transplant Bone marrow transplant End stage renal failure Paralysis Complete blindness Complete loss of hearing Coma Benign brain tumor Alzheimer s Disease A covered person can receive benefits for each of the above critical illnesses if the dates of diagnosis for each critical illness are separated by at least 90 days. Coronary artery bypass surgery Carcinoma in situ Amyotrophic lateral sclerosis (Lou Gherig s disease) Adrenal hypofunction (Addison s disease) Bone marrow donor Cerebral palsy Cystic fibrosis Hemophilia Huntington s chorea Meningitis Multiple sclerosis Muscular dystrophy Myasthenia gravis Necrotizing fasciitis Osteomyelitis Scleroderma Sickle cell anemia Systemic lupus Tuberculosis Pre Biopsy test for skin cancer Biopsy for skin cancer Oral cancer screening Blood test for triglycerides Bone marrow testing Colonoscopy Echocardiogram Electrocardiogram (EKG, including stress EKG) Flexible sigmoidoscopy Hemocult stool analysis Lipid panel (total cholesterol count) Mammography, including breast ultrasound Pap Smear, including ThinPrep Pap Test PSA (prostate specific antigen blood test for prostate cancer) Serum Protein Electrophoresis (test for myeloma) Stress test on bike or treadmill Annual physical examination (only for covered persons over 18 years of age) Immunizations Non-melanoma Skin Cancer Benefit $250 benefit paid for skin cancer diagnosis of basal or squamous cell carcinoma. Melanoma and other invasive skin cancer are paid under the carcinoma in situ or invasive skin cancer benefits described above. Benefit is payable once every 365 days. Transportation Benefit Lodging Benefit Actual cost, up to $1,500, for round trip coach fare on a common carrier; or $.50 per mile for personal vehicle travel, up to $1,500, to a facility if more than 100 miles from place of residence. $60 per day up to 60 days if facility is more than 100 miles from residence. Only applies to lodging occurring within 24 hours of, and including days of treatment. A benefit of 100% of the previously paid amount will be paid if a covered person is diagnosed for a second time with a heart attack, stroke, coronary artery bypass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be more than 12 months after the first date of diagnosis for the Reoccurrence Benefit critical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor received any treatment during the 12 months after the prior occurrence. NOTE: Your payroll deductions are based on age and tobacco-user status. Because of this variability, they will be available during your personalized enrollment session. 20 LIVETHEORANGELIFE.COM/CIPP 25

27 MORE VALUABLE BENEFITS DURING YOUR ENROLLMENT SESSION, TAKE A LOOK AT THESE BENEFITS LIFE INSURANCE BASIC LIFE SUPPLEMENTAL LIFE SPOUSE LIFE CHILD LIFE LIVETHEORANGELIFE.COM/LIFEINSURANCE METLAW LEGAL PROGRAM COVERED SERVICES SUCH AS WILLS AND TRAFFIC ISSUES ARE FREE WHEN YOU USE LIVETHEORANGELIFE.COM/METLAW A NETWORK ATTORNEY. IF YOU ENROLL, YOUR SPOUSE AND CHILDREN CAN ALSO USE THE PLAN. DISABILITY SHORT-TERM DISABILITY LONG-TERM DISABILITY ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) ASSOCIATE-ONLY AD&D FAMILY AD&D LIVETHEORANGELIFE.COM/DISABILITY LIVETHEORANGELIFE.COM/ADD FUTUREBUILDER 401(K) SAVINGS PLAN LOWER YOUR TAX BILL TODAY WHILE SAVING FOR TOMORROW WITH BEFORE-TAX LIVETHEORANGELIFE.COM/FUTUREBUILDER CONTRIBUTIONS. ONCE YOU RE ELIGIBLE, YOU LL BEGIN RECEIVING MATCHING CONTRIBUTIONS ON THE FIRST 5% OF PAY YOU SAVE THROUGH FUTUREBUILDER. LEARN ABOUT OTHER BENEFITS THAT CAN SUPPORT YOU AND YOUR FAMILY, VISIT LIVETHEORANGELIFE.COM/BENEFITS4YOU PAYROLL DEDUCTIONS FOR THESE BENEFITS WILL BE AVAILABLE DURING YOUR ENROLLMENT SESSION

28 TAKE ACTION YOUR ACTION IS NEEDED BEGINNING NOV. 1, ENROLL BY LOGGING ON AT LIVETHEORANGELIFE.COM MOST 2018 BENEFITS WILL CARRY OVER TO 2019 EXCEPT: Medical PLAN ACTION NEEDED: If you DO NOT take action you WILL NOT have coverage in You will also need to certify for the following discounts: Tobacco-Free Discount Healthy Living Program Discount: After certifying, you will need to complete the OrangeLife Questionnaire to begin receiving this discount in Health Savings Account (HSA) Health Care and Dependent Care Spending Accounts If you enroll in the Deductible First Medical Plan, you can elect to save money through the HSA. You must also meet the IRS HSA eligibility requirements elections will not carry over, you must re-elect your annual savings amount. Remember for every dollar you save, up to $500 for associate and $1,000 for associate + dependent, Home Depot will match your contribution. You must actively enroll to contribute to the Health Care or Dependent Care Spending Accounts in elections will not carry over. COVERING A SPOUSE OR CHILD IN A 2019 MEDICAL PLAN? ARE YOU... Adding a spouse or child onto Medical coverage in 2019 that was not enrolled in 2018? Continuing Medical coverage for a spouse in 2019 that was enrolled in 2018? ACTION NEEDED: You will need to provide the required documentation within 45 days of completing your enrollment. More information will be available after your enrollment regarding the types of required documentation or visit livetheorangelife.com/da. Your required documentation will be due Friday, Feb. 15, To learn more, visit livetheorangelife.com/sa

29 2019 TRANSITION MEDICAL PLAN OVERVIEW TAKE ACTION IF YOU DO NOT ACTIVELY ENROLL, YOU WILL NOT HAVE MEDICAL COVERAGE IN MEDICAL PLAN OPTION Shows what you pay for associate only in-network coverage TRANSITION Medical Carrier 2 You might consider this plan if... Trying to compare with 2018 plans? While the 2019 plans are very different, here s the closest match. Annual Deductible Office Visit PCP You have occasional health care needs Silver Plus PPO $2,000 (applies to outpatient procedures, surgeries & hospital stays only) $35 copay Office Visit Specialist 30% Certain Preventive Care $0 24/7 Care $0 Surgeries & Hospital Stays $2,000 deductible, then 30% Prescription Drugs Out-of-Pocket Maximum 3 Will pay for services received out-of-network (OON) Health Savings Account eligible 30% up to $30 for generics, or $150 for preferred brands $5,000 Medical / $1,000 Rx No Only eligible services received in-network will be covered No Biweekly Payroll Deduction 4 1 After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 3 Annually you will not pay more than the out-of-pocket maximum. 4 Biweekly payroll deductions assume the Tobacco-Free and Healthy Living Program discounts received, see page 9 for more details. 23 THIS BIWEEKLY PAYROLL DEDUCTION INCLUDE THE TOBACCO-FREE AND HEALTHY LIVING PROGRAM DISCOUNTS. BEGINNING 2019, THESE DISCOUNTS WILL BE INCLUDED IN YOUR MEDICAL PAYROLL DEDUCTION. YOU WILL NOT SEE A SEPARATE CREDIT LINE ITEM. 28

30 2019 Annual Enrollment Guide U.S. Part-Time Hourly 2019 BENEFITS ANNUAL ENROLLMENT 29

31 2019 Annual Enrollment Guide U.S. Part-Time Hourly DON T MISS YOUR 2019 ANNUAL ENROLLMENT MARK YOUR CALENDAR NOV. 1 - NOV. 16 BEGINNING NOV. 1, ENROLL BY LOGGING ON AT LIVETHEORANGELIFE.COM IMPORTANT: YOU WILL NEED YOUR PASSWORD. BE PREPARED Make sure you know your password before Nov. 1. You also can enroll by calling the Benefits Choice Center at between 9 a.m. and 7 p.m. ET, Mon. through Fri. Call volume may be heavy, so please be prepared for long wait times. NO HABLAS O LEES INGLÉS? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. YOUR 2018 BENEFIT ELECTIONS WILL CARRY OVER TO 2019 IF YOU DO NOT TAKE ACTION. PLEASE NOTE: Annual Enrollment is your time to review and make changes to your benefits. Don t miss out. After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Part-time Hourly Associates located on livetheorangelife.com. 1 30

32 2019 Annual Enrollment Guide U.S. Part-Time Hourly MEDICAL PAYMENT PLAN LIVETHEORANGELIFE.COM/MPP MEDICAL PAYMENT PLAN EXTRAS VISION DISCOUNTS RX DISCOUNTS 24/7 INFORMED NURSE LINE NOTE: This plan does not count as Minimum Essential Coverage (MEC) under the Affordable Care Act (ACA) and does not satisfy the Individual Mandate under the ACA. Failure to have MEC and to satisfy the Individual Mandate may result in a tax penalty for you. The Medical Payment Plan is a supplement to health insurance and is not a substitute for major medical coverage. MEDICAL PAYMENT PLAN (MPP) OPTIONS PAYS FIXED BENEFITS FOR COVERED MEDICAL SERVICES. Hospital Only 1 Hospital Plus I Hospital Plus II 1 1 Not available to associates who live in MN and ND. Also not available to associates who live and work in NH. A QUICK LOOK AT THE MPP IF YOU RECEIVE THIS SERVICE HOSPITAL ONLY HOSPITAL PLUS I HOSPITAL PLUS II Hospital Admission $1,000 (1 per year) $1,000 (1 per year) $700 (2 per year) Daily Hospital Benefit: Non-Intensive Care Unit $100 (100 day limit) $100 (2 stays per year) $500 (2 stays per year) Daily Hospital Benefit: Intensive Care Unit $100 (100 day limit) $200 (2 stays per year) $1,000 (2 stays per year) Emergency Room Visit $200 (2 per year) $275 (2 per year) Inpatient Surgery $450 (2 per year) Outpatient Surgery $450 (2 per year) Outpatient Lab and X-ray $90 (3 per year) Services Resulting from an Accident $200 (2 per year) $300 (2 per year) Doctor Office Visits $50 per visit (5 visits per year) $70 per visit (7 visits per year) Prescription Drugs $35 per prescription (12 prescriptions per year) $45 per prescription (12 prescriptions per year) In-network Discount Pay less for care from participating providers in the Aetna Choice PPO network 1 Note: Only one payment per day per service. 1 If you use an Aetna Choice PPO provider, your benefit is paid directly to the provider MPP 1 BIWEEKLY PAYROLL DEDUCTIONS ASSOCIATE ONLY Hospital Only $6.69 $13.38 $10.94 $19.44 Hospital Plus I $19.40 $43.38 $38.59 $62.57 Hospital Plus II $34.53 $76.59 $68.17 $ The Medical Payment Plan is NOT a traditional medical plan but will provide some limited assistance with hospitalization costs. 2 SPOUSE CHILDREN FAMILY 31

33 2019 Annual Enrollment Guide U.S. Part-Time Hourly OTHER VALUABLE HEALTH CARE RESOURCES PERKS AT WORK Associate discounts on everything from prescription drugs, gym memberships, weight loss programs and much more. LIVETHEORANGELIFE.COM/ASSOCIATEDISCOUNTS MARKET PLACE SUPPORT HEALTH CARE SUPPORT TEAM (HCST) The HCST can help you navigate health care. They can: Provide an expert medical opinion Help with medical billing questions Provide medical advice Find the best provider for you Talk to you about a condition or treatment plan LIVETHEORANGELIFE.COM/HCST A free resource to help you evaluate medical coverage options available to you. 24/7 CARE THROUGH TELADOC Get the quality care you need with the convenience that you want. Visits with a board certified physician for common medical conditions are only $45. LIVETHEORANGELIFE.COM/ CARE 3 32

34 2019 Annual Enrollment Guide U.S. Part-Time Hourly DENTAL IN-NETWORK DENTAL FEATURES DENTAL CHECK-UP Two cleanings and checkups each calendar year are free (subject to your option s maximum annual benefit). 15% TO 45% DISCOUNT ON SERVICES DISCOUNTS ON COSMETIC DENTISTRY DENTAL OPTIONS 1 MetLife $500 Max 2 MetLife $1,000 Max 3 MetLife $2,000 Max SHOWS WHAT YOU PAY FOR ASSOCIATE ONLY IN-NETWORK COVERAGE DENTAL PLAN OPTIONS METLIFE $500 MAX METLIFE $1,000 MAX METLIFE $2,000 MAX Preventive Care (2 cleanings per year) $0 $0 $0 Annual Deductible (applies to restorative care and orthodontia) Basic Restorative (fillings, oral surgery, root canals, periodontics) $25 $50 $50 30% 25% 20% Major Restorative (crowns, bridges) Not covered 60% 50% Orthodontia (braces) Not covered 50%, up to $750 lifetime maximum per covered dependent child 50%, up to $1,500 lifetime maximum per covered dependent child 2019 DENTAL BIWEEKLY PAYROLL DEDUCTIONS DENTAL ASSOCIATE ONLY SPOUSE CHILDREN FAMILY MetLife $500 Max $6.19 $12.38 $12.54 $18.80 MetLife $1,000 Max $12.91 $25.81 $26.13 $39.20 MetLife $2,000 Max $16.00 $32.01 $32.40 $ LIVETHEORANGELIFE.COM/DENTAL 33

35 2019 Annual Enrollment Guide U.S. Part-Time Hourly VISION IN-NETWORK VISION FEATURES FREE VISION EXAMS The plan covers one free eye exam every 12 months. NEW FOR 2019 Free retinal imaging during free eye exams. DISCOUNTS ON LASER VISION CORRECTION PAY LESS FOR GLASSES AND CONTACTS AT EYEMED SELECT PROVIDERS IN-NETWORK PROVIDERS VISION OPTIONS 1 2 EyeMed Select $120 EyeMed Select $150 LIVETHEORANGELIFE.COM/VISION SHOWS WHAT YOU PAY FOR ASSOCIATE ONLY IN-NETWORK COVERAGE VISION PLAN OPTIONS EYEMED SELECT $120 EYEMED SELECT $150 Disposable Contact Lenses Any remaining balance after plan pays $120 Any remaining balance after plan pays $150 Frames 80% of remaining balance after plan pays $120 (once every 24 months) 80% of remaining balance after plan pays $150 (once every 12 months) Lenses $15 copay $0 copay Lens Options Coverage Some covered, others available at a discount Covered in full 2019 VISION BIWEEKLY PAYROLL DEDUCTIONS ASSOCIATE ONLY SPOUSE CHILDREN FAMILY VISION EyeMed Select $120 $2.32 $4.06 $4.20 $7.03 EyeMed Select $150 $8.99 $16.08 $16.84 $

36 2019 Annual Enrollment Guide U.S. Part-Time Hourly CRITICAL ILLNESS PROTECTION CRITICAL ILLNESS PROTECTION FEATURES PAYS A LUMP-SUM BENEFIT FOR SPECIFIC CONDITIONS,such as heart attack, stroke, cancer, transplant, Alzheimer s disease and paralysis and benefits for eligible travel and lodging expenses. See the chart below for a complete list of covered conditions. The plan is administered by Allstate Benefits. BENEFITS ARE PAYABLE ONLY FOR CONDITIONS DIAGNOSED AFTER YOUR COVERAGE UNDER THE PLAN BEGINS. ALSO PAYS AN ANNUAL BENEFIT OF $75 FOR WELLNESS SERVICES. In some cases, that $75 could cover the cost of your Critical Illness Protection Plan coverage. CRITICAL ILLNESS PROTECTION OPTIONS 1 2 $5,000 $10, $20,000 $30,000 PAYROLL DEDUCTIONS FOR THIS BENEFIT WILL BE AVAILABLE DURING YOUR ENROLLMENT SESSION. A QUICK LOOK AT CRITICAL ILLNESS PROTECTION PLAN PAYS 100% OF BENEFIT AMOUNT FOR: PLAN PAYS 25% OF BENEFIT AMOUNT FOR: PLAN PAYS UP TO $75 PER CALENDAR YEAR FOR EACH COVERED PERSON FOR ONE OF THE FOLLOWING ELIGIBLE WELLNESS SERVICES: Heart attack Stroke Invasive cancer Heart transplant Lung transplant Liver transplant Pancreas transplant Kidney transplant Bone marrow transplant End stage renal failure Paralysis Complete blindness Complete loss of hearing Coma Benign brain tumor Alzheimer s Disease A covered person can receive benefits for each of the above critical illnesses if the dates of diagnosis for each critical illness are separated by at least 90 days. Coronary artery bypass surgery Carcinoma in situ Amyotrophic lateral sclerosis (Lou Gherig s disease) Adrenal hypofunction (Addison s disease) Bone marrow donor Cerebral palsy Cystic fibrosis Hemophilia Huntington s chorea Meningitis Multiple sclerosis Muscular dystrophy Myasthenia gravis Necrotizing fasciitis Osteomyelitis Scleroderma Sickle cell anemia Systemic lupus Tuberculosis Pre Biopsy test for skin cancer Biopsy for skin cancer Oral cancer screening Blood test for triglycerides Bone marrow testing Colonoscopy Echocardiogram Electrocardiogram (EKG, including stress EKG) Flexible sigmoidoscopy Hemocult stool analysis Lipid panel (total cholesterol count) Mammography, including breast ultrasound Pap Smear, including ThinPrep Pap Test PSA (prostate specific antigen blood test for prostate cancer) Serum Protein Electrophoresis (test for myeloma) Stress test on bike or treadmill Annual physical examination (only for covered persons over 18 years of age) Immunizations Non-melanoma Skin Cancer Benefit $250 benefit paid for skin cancer diagnosis of basal or squamous cell carcinoma. Melanoma and other invasive skin cancer are paid under the carcinoma in situ or invasive skin cancer benefits described above. Benefit is payable once every 365 days. Transportation Benefit Lodging Benefit Actual cost, up to $1,500, for round trip coach fare on a common carrier; or $.50 per mile for personal vehicle travel, up to $1,500, to a facility if more than 100 miles from place of residence. $60 per day up to 60 days if facility is more than 100 miles from residence. Only applies to lodging occurring within 24 hours of, and including days of treatment. A benefit of 100% of the previously paid amount will be paid if a covered person is diagnosed for a second time with a heart attack, stroke, coronary artery bypass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be more than 12 months after the first date of diagnosis for the Reoccurrence Benefit critical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor received any treatment during the 12 months after the prior occurrence. NOTE: Your payroll deductions are based on age and tobacco-user status. Because of this variability, they will be available during your personalized enrollment session. 6 LIVETHEORANGELIFE.COM/CIPP 35

37 2019 Annual Enrollment Guide U.S. Part-Time Hourly MORE VALUABLE BENEFITS DURING YOUR ENROLLMENT SESSION, TAKE A LOOK AT THESE BENEFITS LIFE INSURANCE ASSOCIATE COVERAGE DEPENDENT COVERAGE LIVETHEORANGELIFE.COM/LIFEINSURANCE METLAW LEGAL PROGRAM COVERED SERVICES SUCH AS WILLS AND TRAFFIC ISSUES ARE FREE WHEN YOU USE LIVETHEORANGELIFE.COM/METLAW A NETWORK ATTORNEY. IF YOU ENROLL, YOUR SPOUSE AND CHILDREN CAN ALSO USE THE PLAN. DISABILITY SHORT-TERM DISABILITY LIVETHEORANGELIFE.COM/DISABILITY FUTUREBUILDER 401(K) SAVINGS PLAN LOWER YOUR TAX BILL TODAY WHILE SAVING FOR TOMORROW WITH BEFORE-TAX LIVETHEORANGELIFE.COM/FUTUREBUILDER CONTRIBUTIONS. ONCE YOU RE ELIGIBLE, YOU LL BEGIN RECEIVING MATCHING CONTRIBUTIONS ON THE FIRST 5% OF PAY YOU SAVE THROUGH FUTUREBUILDER. LEARN ABOUT OTHER BENEFITS THAT CAN SUPPORT YOU AND YOUR FAMILY, VISIT LIVETHEORANGELIFE.COM/BENEFITS4YOU PAYROLL DEDUCTIONS FOR THESE BENEFITS WILL BE AVAILABLE DURING YOUR ENROLLMENT SESSION. 7 36