BENEFITS ENROLLMENT GUIDE

Transcription

1 BENEFITS ENROLLMENT GUIDE BENEFITS OPEN ENROLLMENT: OCTOBER 15 OCTOBER 31, 2016 LOOK INSIDE: Your 2017 SmartChoice Options Tools and resources to help you choose well How to enroll for 2017 Choose Well with

2 What s New for 2017 TOPIC Medical Benefits Wellness HSAs and FSAs Vision CHANGE Traditional Plan No new enrollees may enroll in the Traditional Plan. Current Traditional Plan enrollees may re-enroll in the Plan. Same-sex Domestic Partner Eligibility Same-sex domestic partners are no longer eligible for dependent coverage under Dean Foods benefits plans. Doctor on Demand Doctor on Demand, replacing HealthTap in 2017, connects you to a nationwide network of boardcertified doctors through live videoconferences using your smartphone, tablet or computer. Go to for more information. HSA Maximum Contribution Increase In 2017, the maximum HSA contribution (from you and Dean Foods combined) will increase to $3,400 for individual coverage and $6,750 for family coverage. Rates Rates are increasing. See page 6 for more information. Smart Rewards SmartChoice Rewards offers a cash reward when you select a low-cost and high quality medical provider through the Benefits Value Advisor (BVA) and Vitals program. Benefits Value Advisor All SmartChoice medical options offer a valuable resource through BCBSTX to help you and your family make the most of your medical plan Benefits Value Advisor (BVA). BVA can assist you in obtaining the largest shared savings reward through the SmartChoice Rewards program. If you don t at least call BVA before having a non-emergency, non-inpatient or non-urgent MRI or CAT scan, you ll pay a $100 penalty, in addition to any charges above the reference price that you ll be billed. New Employee-only Deductible Credit Amounts for Completing the Evive Health Risk Assessment The amount of your employee-only deductible credit is based on your 2017 medical election. Active employees must complete the assessment before 12/31/2016, and new hires must complete the assessment by the first of the month following 60 days of hire. Standard Plan Core Plan Consumer Plan Traditional Plan $250 $150 $125 $75 Wellness Surcharges In 2017, wellness surcharges will be applied to employees and spouses only. Tobacco Cessation Program and Surcharge New for 2017, all Dean Foods employees must identify as nicotine users or nonusers. This includes tobacco or nicotine products such as cigarettes, cigars, chewing tobacco or any other nicotine delivery system such as e-cigarettes or vaping. If you or your covered spouse use nicotine products, you must enroll in a tobacco cessation program by mid-year If you do not enroll in a tobacco cessation program, you will be charged a 20% monthly surcharge, per user, in addition to your monthly medical premiums in HSA Annual Contribution Rate Increase Annual Contribution Rates for HSAs have increased from $3,350 in 2016 to $3,400 in Frame Allowance and Premiums Both the frame allowance and monthly premiums for vision coverage will increase in See page 13 for more information. Open Enrollment Dates to Know Active Employees must enroll by October 31, Newly hired employees must enroll within 45 days of hire date. See page 2 for more information. Have Questions About Your Benefits? Call the Dean Foods Benefits Service Center at or go to for more information.

3 HOW TO ENROLL Open Enrollment is your opportunity to review your current benefit elections and drop, add or delete coverage and dependents. You can change your coverage options, coverage level or who you cover. YOU MUST ACTIVELY ENROLL BY THE ENROLLMENT DEADLINE TO: Choose your Medical Plan coverage. Change your current benefit elections. Your non-medical benefit elections will rollover unless you decide to change them. Save tax dollars with a Health Savings Account (HSA) or Flexible Spending Account (FSA). 1 LOG ON Go to using Internet Explorer. Enter your Social Security number as your User ID. Your password is your birth date (mmddyy). 2 USE THE DEAN PLAN ADVISOR TOOL Before you elect a medical plan, take a closer look at how much you re spending on your health care coverage (see page 8). When you factor in the amount you pay in payroll deductions all year, the out-of-pocket expenses you pay when you receive care and the FREE money that you receive from Dean Foods, you re likely paying more than you think. This year, do the math! 3 MAKE SURE YOUR DEPENDENTS ARE ELIGIBLE If they are not, NOW is the time to delete them from your coverage. See page 5 for more information. 4 CHOOSE YOUR 2017 BENEFITS Click Complete My Open Enrollment Elections for Use the Enrollment Checklist to make your benefit elections or to contribute to a Health Savings Account (HSA) or Flexible Spending Account (FSA) for REVIEW AND SUBMIT YOUR ELECTIONS BY THE DEADLINE Click Submit My Elections to save your elections. You can review and change your elections as many times as you like until the enrollment deadline October 31, Your last saved elections will be effective January 1, 2017 or upon eligibility if newly hired. To make changes, click the My Benefits tab. Print a Confirmation Statement for a record of your elections with premiums before any applicable surcharge is applied. A final Confirmation Statement will be mailed with final premium amounts. How to Enroll by Phone Call the Dean Foods Benefits Service Center at During Open Enrollment, the Center is open Monday Friday, 7:30 a.m. to 6:30 p.m. CT (normal business hours are 8:30 a.m. to 5:30 p.m. CT).

4 TIME S RUNNING OUT! Save on Surcharges for 2017 Medical Coverage Choose to save. You and your covered family members must complete the following wellness activities by October 31, 2016*, to pay regular medical plan premiums in 2017: Not a SmartChoice! Surcharges could cost you between $295 and $885 more for coverage in 2017! What? Who? Or? Get an annual physical from your primary care doctor You and your covered spouse Pay a 5% surcharge for each in 2017 Complete a biometric screening through Quest Diagnostics (go to or Participate in health coaching through the confidential Blue Care Connection health management program You and your covered spouse You and your covered spouse, if your physical or screening reveals undiagnosed or unmanaged condition Pay an additional 5% surcharge for each in 2017 Pay another additional 5% surcharge for each in 2017 If you or your covered spouse are medically unable to meet a standard for a wellness program reward or incentive, contact the Benefits Service Center at or * New hires who are benefits-eligible before September 1, 2016, must complete the wellness activities to pay regular medical plan premiums in New hires who are benefits-eligible after September 1, 2016, do not have to complete the wellness activities and will pay regular medical plan premiums. The amount of your surcharge is determined by your medical plan option and coverage level. SmartChoice Traditional No Surcharges One 5% Surcharge 2017 MONTHLY MEDICAL PLAN PREMIUMS Two 5% Surcharges Employee Three 5% Surcharges Four 5% Surcharges Five 5% Surcharges Spouse Six 5% Surcharges Employee Only $ $ $ $ N/A N/A N/A Employee + Spouse $ $ $ $ $ $ $ Employee + Child(ren) $ $ $ $ N/A N/A N/A Employee + Family $ $ $ $ $ $ $ SmartChoice Consumer Employee Only $ $ $ $ N/A N/A N/A Employee + Spouse $ $ $ $ $ $ $ Employee + Child(ren) $ $ $ $ N/A N/A N/A Employee + Family $ $ $ $ $ $ $ SmartChoice Core Employee Only $76.89 $ $ $ N/A N/A N/A Employee + Spouse $ $ $ $ $ $ $ Employee + Child(ren) $ $ $ $ N/A N/A N/A Employee + Family $ $ $ $ $ $ $ SmartChoice Standard Employee Only $25.50 $46.40 $67.30 $88.19 N/A N/A N/A Employee + Spouse $56.09 $76.99 $97.89 $ $ $ $ Employee + Child(ren) $45.89 $66.79 $87.69 $ N/A N/A N/A Employee + Family $76.49 $97.39 $ $ $ $ $201.87

5 from Dean Foods You bring talent, skills and energy to your job each day, helping Dean Foods deliver quality products to our customers. In return, Dean Foods offers programs that give you the opportunity to take charge of your health and reach your potential. Open Enrollment is your chance to review your benefit options and start the path to a healthier you in Dean Foods SmartChoice Benefits Programs offer tools and resources to help you improve your overall health but it s up to you to take advantage of them. Make the most of all the benefits that Dean Foods has to offer and make a commitment to yourself in 2017 it s time to choose well, spend well and live well! If You Are WHO WHAT YOU NEED TO DO WHEN An Active Employee A New Hire Experiencing a Life Event You MUST enroll in medical coverage or you will automatically be enrolled in default medical coverage in See page 4 for default coverage if you don t enroll. Current dental, vision and other benefits choices from 2016 will continue in 2017, but you must re-enroll in a Health Savings Account or Flexible Spending Accounts. Your benefits will be effective the first of the month following 60 days. If you don t enroll, you will only receive basic life and disability coverage in You can only change your benefits coverage during the year if you experience a qualified event. This includes: Marriage and divorce Having or adopting a child Dependent death, loss of coverage or loss of eligibility for Medicare, Medicaid or CHIP Dependent children turning 26 and losing coverage through their parent s medical plan You MUST enroll in medical coverage by 11:59 p.m. CT on October 31. You must enroll within 45 days of your hire date. You must enroll within 30 days of the effective date of the qualified event. New Hires What to KNOW For New Hires... 2 What to DO For New Hires... 3 Choose Well Eligibility... 4 Medical... 5 Prescription Drugs... 7 Dean Plan Advisor Tool... 8 HSAs, HRAs and FSAs... 9 Dental Vision Life and Accidental Death & Dismemberment Disability Voluntary Benefits Spend Well The SmartChoice CarePath Live Well Other SmartChoice Plans and Programs...20 What s Inside

6 New Hires WHAT TO KNOW FOR NEW HIRES The SmartChoice Benefits Program from Dean Foods offers you choice, flexibility and value: CHOICE a selection of plans and programs to help you find the coverage that best fits your needs FLEXIBILITY options for balancing your needs for today with your needs for tomorrow VALUE designed with features and tools to help you get quality care for the best possible price You are eligible for coverage on the first day of the month after you ve been working for 60 days. However, you must enroll within 45 days of your hire date to have coverage in Here s what else you need to know: Don t just choose. Choose well. Before you enroll, look at all of the options. You may not want or need everything that s available. It s important to consider your current and future needs. Then, choose what makes sense for you and your family. Choosing the right medical plan when you enroll is one of the most important benefit choices you will make. Your share of the cost and the benefits you can expect from each plan can be very different. Many new employees automatically think the Consumer Plan must be the best option because it s the most expensive. But that s actually not the case for most Dean Foods employees. Why? Dean Foods gives employees FREE money with the other options, too, and when you factor in the lower coverage costs, employees actually pay less out of pocket under the Standard or Core Plan. This is true for low, moderate and high users of health care. So, before you choose, let the Dean Plan Advisor tool do the math for you so you can see which plan is best for you. The SmartChoice CarePath also provides resources and tools, like advisors and experts, to help you spend well all year long so you can keep more of your money in your pocket. Finally, our plans offer smart features that are designed to make sure you re not paying more than you need to for the same service. See page 17 for more information. Take advantage of all the resources that Dean Foods has to offer. Watching your weight, improving your diet and getting more exercise can make a difference in your health and how you feel. Make the most of your Dean Foods benefits program by enrolling in programs that can help you lose weight, stop smoking, manage chronic conditions and more. See page 19 for more information. Live better. Live well. 2

7 WHAT TO DO FOR NEW HIRES If you are a new Dean Foods employee, you must enroll in benefits within 45 days of your hire date. Here s what you need to do: 4 REVIEW THIS BENEFIT GUIDE 4 ESTIMATE YOUR MEDICAL EXPENSES USING THE DEAN PLAN ADVISOR TOOL 4 MAKE SURE YOUR DEPENDENTS ARE ELIGIBLE AND SUBMIT REQUIRED DOCUMENTS 4 ENROLL WITHIN 45 DAYS OF YOUR HIRE DATE 4 DESIGNATE YOUR BENEFICIARIES 4 COMPLETE YOUR HEALTH ASSESSMENT BY THE FIRST OF THE MONTH, FOLLOWING 60 DAYS OF YOUR HIRE DATE Don t Forget! If you are a new hire and you don t enroll within 45 days, you ll receive default coverage which does not include medical, dental or vision coverage. Your benefits will be effective the first of the month 60 days after you make your elections. For more information, see HOW TO ENROLL on the inside front cover of this document. Where To Go When Providing quality service as well as protecting your privacy, are both extremely important to Dean Foods. As part of the responsibilities of your Local HR Business Partners, or HRBPs, they assist you with a variety of employment-related issues, as well as help facilitate benefits Open Enrollment meetings. However, in order to meet legal requirements related to your privacy, they are limited on their ability to assist you with benefit related issues. In accordance with vendor management processes and plan compliance rules, there are strict legal regulations in place to protect your privacy. Those regulations prevent HRBPs from gaining access to your medical related information. To assist us in complying with these legal requirements, and to avoid any delays in getting the benefits assistance you need, please follow the benefits contact guide provided below. We partner with third party vendors whose role is to specifically assist you with all benefits related matters. If you experience any issues receiving the support requested from any of our benefits vendors, there is an escalation process in place to help resolve the issue. Please let your HRBP know if the issue is unresolved after it has been escalated so they can contact our national benefits group, who will assist with the required solutions. NEED HELP WITH Selecting or understanding your benefit options during Open Enrollment Health Savings Account questions Benefit claims issues Getting the largest shared savings reward through the SmartChoice Rewards program Various Employment issues (non-benefits related) CONTACT Representatives from the Dean Foods Benefits Service Center are available at , Monday Friday, from 8:30 a.m. to 5:30 p.m. CT (7:30 a.m. to 6:30 p.m. during Open Enrollment). Wage Works at 877-WAGEWORKS ( ) or MyEvive at or BlueCross BlueShield of Texas at or Benefits Value Advisor (BVA) at Your local HR Business Partner 3

8 Choose Well Your Dean Foods SmartChoice Benefits Program offers you choice, flexibility and value to help you choose well, spend well and live well. Dean Foods gives you all the tools that you need to improve your health. This year, don t just choose choose well. Make the most of all of your Dean Foods benefits and take charge of your health in 2017! Eligibility You are eligible for benefits if you are a full-time employee regularly scheduled to work at least 30 hours per week. You can also enroll eligible dependents in benefits that offer dependent coverage. You ll need to validate eligibility of any newly covered dependents during enrollment for coverage to be effective January 1, WHO S ELIGIBLE See the chart below for information about 2017 default medical coverage. Your Spouse Your legal spouse, or Your common-law spouse with state-approved affidavit of common-law spouse status Medical Election 2017 Default Medical No medical coverage Have medical coverage and are under age 65* Have medical coverage and are age 65* or over * On January 1, 2017 No medical coverage If you are enrolled in the Traditional, Consumer or Core Plans, you will be automatically enrolled in the Core Plan with no employee HSA contributions. If you are enrolled in the Standard Plan, you will remain enrolled in the Standard Plan with no employee HSA contributions. Consumer Plan with HRA Your Children Your natural children or stepchildren, legally adopted children or children placed with you for adoption, and foster children placed with you by an authorized placement agency or court order 1, Children you are required to cover under the terms of a Qualified Medical Child Support Order (QMCSO) Under age 26, or Any age if they are mentally or physically incapable of self-support (unable to earn a living) and dependent on you for support. 1 You will be asked to provide documentation to prove that a dependent is eligible. Lower Your Deductible When you enroll in one of the SmartChoice medical plans, you can earn an employee-only deductible credit for 2017 when you complete the Health Assessment through Evive. See What s New for 2017 for details. * Adult dependents include your spouse and any covered children who are or will be ages during

9 Verify Your Dependents You are responsible for ensuring any dependents you cover under SmartChoice are eligible under the terms of the plan or program at all times. Open Enrollment is your opportunity to remove dependents from the plan that are no longer eligible. You will be required to submit documentation for each dependent you add to coverage to confirm eligibility. Employees found covering ineligible dependents will be subject to disciplinary action up to and including termination of employment. Auditing our plans helps keep the cost of healthcare manageable for you and Dean Foods by not covering ineligible dependents. Dean Foods SmartChoice Benefit Program includes four medical plan options: Standard Plan Core Plan Consumer Plan MEDICAL Traditional Plan (closed to new enrollees) All four plans offer the same services and provider network and include free preventive care when you use an in-network provider. However, the Standard Plan, Core Plan and Consumer Plan offer a smart combination of coverage, value and a health account to help pay first-dollar out-of-pocket expenses. Value lower monthly premiums than the Traditional Plan a lot lower. Health Care Account a Health Reimbursement Account (HRA) or a tax-advantaged Health Savings Account (HSA), with FREE money from Dean Foods, to help you pay for health care expenses now or save for later. Smart Fact Less than 26% of Traditional Plan members met their deductibles last year. Are you overpaying for a lower deductible? Here s an overview of the features and costs for each plan. But before you choose a plan for 2017, make sure you factor in the amount you pay in contributions your payroll deductions in addition to the out-of-pocket expenses you pay when you use the plan (see Dean Plan Advisor Tool on page 8). You re likely paying more than you think! The Standard and Core Plans offer extra protection with Aflac insurance that pays a $5,000 cash benefit for certain critical illnesses and up to $2,000 in the event of a covered accident (depending on the injury) at no cost to you. 5

10 6 MEDICAL COVERAGE AT A GLANCE STANDARD PLAN CORE PLAN CONSUMER PLAN FREE Money* from Dean Foods PLAN FEATURES Your Monthly Cost Employee Only Employee + Spouse Employee + Child(ren) Family Annual Deductible Individual Family Annual Out-of-Pocket Maximum (includes deductible) Individual Family IN-NETWORK SERVICES YES! TO HSA $750 Individual $1,500 Family In-Network $2,500 1 $5,000 $25.50 $56.09 $45.89 $76.49 Out-of- Network $5,000 1 $10,000 $4,500 1 $9,000 2 $9,000 1 $18,000 YES! TO HSA $500 Individual $1,000 Family In-Network $1,500 1 $3,000 $3,000 1 $6,000 YES! TO HRA 5 $250 Individual $500 Family WHAT YOU PAY MONTHLY $76.89 $ $ $ Out-of- Network $3,000 1 $6,000 $6,000 1 $12,000 In-Network $1,250 3 $2,500 $3,000 3 $6,000 WHAT YOU PAY $ $ $ $ Out-of- Network $2,500 3 $5,000 $6,000 3 $12,000 TRADITIONAL PLAN (no new enrollees) In-Network NO $ $ $ $ Out-of- Network $750 3 $1,500 3 $1,500 3 $3,000 3 $3,000 3 $6,000 3 $6,000 3 $12,000 3 Preventive Care Free Free Free Free Office Visit 20% after deductible 20% after deductible 20% after deductible $40 Specialist Office Visit 20% after deductible 20% after deductible 20% after deductible $50 Urgent Care 20% after deductible 20% after deductible 20% after deductible $50 Emergency Room 20% after deductible 20% after deductible 20% after deductible Hospital Outpatient Inpatient OUT-OF-NETWORK SERVICES 20% after deductible 20% after deductible 20% after deductible 20% after deductible WHAT YOU PAY 20% after deductible 20% after deductible $300 4 per visit plus 20% after deductible 20% after deductible $400 per visit plus 20% after deductible Preventive Care Not Covered Not Covered Not Covered Not Covered Office Visit 40% after deductible 40% after deductible 40% after deductible 40% after deductible Specialist Office Visit 40% after deductible 40% after deductible 40% after deductible 40% after deductible Urgent Care 40% after deductible 40% after deductible 40% after deductible 40% after deductible Emergency Room 20% after deductible 20% after deductible 20% after deductible Hospital Outpatient Inpatient 40% after deductible 40% after deductible 40% after deductible 40% after deductible 40% after deductible 40% after deductible * Amounts pro-rated for new hires. 1 Applies only to Employee Only coverage. For any other coverage level, family maximum applies. 2 Out-of-pocket maximum for an individual within a family is capped at $6,850. Dependents can collectively meet family maximum. 3 Individual maximum can be met at any time under any coverage level. Dependents can collectively meet family maximum. 4 ER copay waived if admitted; copay is $300 for first ER visit, $400 for 2nd ER visit, and $500 for each subsequent visit per person. 5 Administered through Blue Cross Blue Shield. $300 4 per visit plus 20% after deductible 40% after deductible $800 per visit plus 40% after deductible

11 PRESCRIPTION DRUGS Here are some important prescription drug features you need to remember to make sure you get the most from your benefits: Advanced Choice Network: You must fill all prescriptions at pharmacies in CVS Caremark s Advanced Choice Network or they will be considered out of network. There are over 50,000 participating network pharmacies nationwide, including CVS, Target, Walmart, Costco and most grocery store pharmacies; however, Walgreens, Rite Aid and a number of independent pharmacies are not. Call or log on to to find your nearest Advanced Choice Network pharmacy. Maintenance Choice: Remember to purchase a 90-day supply of maintenance medications through a CVS Pharmacy or CVS Caremark Mail Service. For new prescriptions, you are allowed two 30-day retail refills. A third 30-day refill of the same medication at a non-cvs Caremark pharmacy means you pay a penalty two times the retail minimum for a 30-day supply. Generic Equivalent Prescriptions: As a reminder, if you or your doctor requests a brand medication when a generic is available, you have to pay the difference. Ask your doctor for a generic drug whenever possible. Accordant Rare Disease Management: This program is designed to help those with rare conditions. Partner with a nurse condition manager one-on-one. Pharmacy Advisor Counseling at CVS Pharmacy: Your local CVS pharmacist has access to your complete prescription history and can provide in-depth, face-toface counseling. Watch your mail for a CVS Caremark Prescription Savings Guide: You ll receive a letter up to twice each year explaining savings opportunities based on your prescription history. You ll also get savings estimates when you fill 90-day or generic prescriptions. Formulary Exclusions: You pay 100% of the cost if you want an excluded medication. If the non-formulary medication is necessary and there are no alternatives, you may be able to obtain prior authorization. PRESCRIPTION DRUGS Retail (30-day supply; does not include most compound drugs) Mail Order (90-day supply) Specialty Drugs (most compound drugs are not covered) Prescription Annual Out-of-Pocket Maximum 2 PRESCRIPTION DRUG COVERAGE STANDARD PLAN CORE PLAN CONSUMER PLAN Medical deductible applies (except for preventive drugs 1 ) Then, 20% after deductible Medical deductible applies (except for preventive drugs 1 ) Then, 20% after deductible Medical deductible applies, then: Generic $75 Preferred Brand $75 Non-Preferred Brand $120 Individual: $4,500 Family: $9,000 Medical deductible applies (except for preventive drugs 1 ) Then, 20% after deductible Medical deductible applies (except for preventive drugs 1 ) Then, 20% after deductible Medical deductible applies, then: Generic $75 Preferred Brand $75 Non-Preferred Brand $120 Individual: $3,000 Family: $6,000 WHAT YOU PAY Medical deductible applies (except for preventive drugs 1 ) Then, 20% after deductible Medical deductible applies (except for preventive drugs 1 ) Then, 20% after deductible Medical deductible applies, then: Generic $75 Preferred Brand $75 Non-Preferred Brand $120 Individual: $3,000 Family: $6,000 TRADITIONAL PLAN (no new enrollees) No deductible Generic $10 Preferred Brand 30% ($30 min/$75 max) Non-Preferred Brand 40% ($50 min/$100 max) No deductible Generic $25 Preferred Brand $90 Non-Preferred Brand $150 No deductible Generic $75 Preferred Brand $75 Non-Preferred Brand $120 Individual: $2,000 Family: $4,000 This out-of-pocket maximum is in addition to the medical out-of-pocket 1 To find out if a drug qualifies as a preventive care drug (check before purchase, as this list changes from time to time), call CVS Caremark at or go online to 2 For the Consumer, Standard and Core Plans, the annual out-of-pocket maximum is collectively met by the family and includes both medical and prescription costs. For the Traditional Plan, the annual out-of-pocket maximum is collectively met by the family and includes prescription costs only. 7

12 Dean Plan Advisor Tool Before you pick a plan this year, do the math. When you factor in the amount you pay in payroll deductions for medical coverage throughout the year and any out-of-pocket expenses you have during the year, most of you are paying too much for health care. With the Dean Plan Advisor Tool, you can estimate your annual medical plan costs by your medical plan usage level low, moderate or heavy or customize by specific services. You can even factor in office visits, prescriptions, hospitalizations and more. Access the Dean Plan Advisor Tool using Internet Explorer at mercerhrs.com. See the examples below to see how much you could pay for out-of-pocket medical services under each plan: FAMILY COVERAGE: $5,000 in claims Annual Cost Standard Plan Core Plan Consumer Plan Traditional Plan Employee Contributions $ $2, $3, $6, Out-of-Pocket Expenses $5,000 $3,400 $3,000 $2,200 Dean HSA/HRA Contribution ($1,500) ($1,000) ($500) 0 Your Expected Cost $4, $5, $6, $9, FAMILY COVERAGE: $15,000 in claims Annual Cost Standard Plan Core Plan Consumer Plan Traditional Plan Employee Contributions $ $2, $3, $6, Out-of-Pocket Expenses $7,000 $5,400 $5,000 $4,200 Dean HSA/HRA Contribution ($1,500) ($1,000) ($500) 0 Your Expected Cost $6, $7, $8, $11, FAMILY COVERAGE: $25,000 in claims Annual Cost Standard Plan Core Plan Consumer Plan Traditional Plan Employee Contributions $ $2, $3, $6, Out-of-Pocket Expenses $9,000 $6,000 $6,000 $6,000 Dean HSA/HRA Contribution ($1,500) ($1,000) ($500) 0 Your Expected Cost $8, $7, $9, $12, Illustrative of a low ($5,000 claim), moderate ($15,000 claim) and a heavy ($25,000 claim) family; results will vary based on actual use and charges. Costs are based on total allowable charges and do not reflect any deductible credit benefits from a Critical Illness or Accident Policy or use of employee pre-tax dollars in an HSA or Limited Purpose FSA. Start Saving Now! The money in your Dean Foods HSA grows every year, and over time your savings can offer real protection against any unexpected major out-of-pocket medical expenses. NEED HELP WITH YOUR BENEFITS? If you re having trouble understanding your benefits options, representatives from the Dean Foods Benefits Service Center are available at , Monday Friday, from 8:30 a.m. to 5:30 p.m. CT (7:30 a.m. to 6:30 p.m. CT during Open Enrollment). 8

13 HSAs, HRAs AND FSAs Tax-advantaged accounts to help you manage health care expenses STANDARD OR CORE PLAN Health Savings Account Limited Purpose Health Care Flexible Spending Account CONSUMER PLAN Health Reimbursement Account CONSUMER OR TRADITIONAL PLAN Health Care Flexible Spending Account FREE Money from Dean Foods Yes (see page 6) NO Yes (see page 6) NO Employee Pretax Contribution Limits 1 Eligible Expenses Use It or Lose It Annual Contribution Amount Available January 1 $3,400 individual $6,750 family Additional $1,000 catch-up contribution if age 55 or over Medical, dental and vision expenses NO (the money is always yours) FREE money from Dean: YES Your personal contributions: NO 2 $2,550 Not allowed $2,550 Dental and vision expenses and limited medical expenses YES YES Medical and prescription drug expenses NO (as long as you are enrolled in the Consumer Plan) FREE money from Dean: YES Medical, dental and vision expenses Debit Card YES YES NO YES Save Receipts YES YES YES YES Earns Interest POTENTIALLY NO NO NO 1 The Dean Foods contribution applies toward your annual limit, so you must subtract that amount to get your maximum employee HSA contribution amount. 2 Your personal contributions are available as they are contributed. Account balance is based on the money in your account at the time of payment or withdrawal. Note: Alabama, California and New Jersey have tax provisions on Health Savings Accounts. For additional information on the federal tax treatment of HSAs see federal Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans. YES YES Health Savings Account When you choose the Standard or Core Plan for medical coverage, you will receive FREE money from Dean Foods in a Health Savings Account (HSA). This money will be deposited in a lump-sum in January, so you start the year off with money you can use on health care expenses. An HSA is not a use it or lose it account. It s real money in a real bank. The money in it is yours to keep until you re ready to spend it on eligible health care expenses that could be today, next month or years from now during retirement. Money in your HSA can even be used to pay your Medicare premiums down the road. Eligibility To be eligible to make pretax contributions to a Health Savings Account (HSA), you must: Enroll in the SmartChoice Standard or Core Medical Plan (considered high deductible health plans). Not be covered by another health care plan, such as a health plan sponsored by your spouse s employer, a general purpose Flexible Spending Account, Medicare or TRICARE. 9 Not be claimed as a dependent on another individual s federal tax return. An individual receiving medical care from the VA for a service-connected disability does not cause the individual to be treated as ineligible for an HSA. Key Features The Health Savings Account is only available if you enroll in the Standard or Core Plan. Dean Foods will make a contribution to your account January 2 if you enroll for 2017 and you pass the customer information process with BNY. If you have not passed, the funds will pend until approved (contribution varies by Plan and coverage level, see page 6). You can also make your own personal before-tax contributions to your HSA through convenient payroll deductions. Your contributions and Dean Foods contribution cannot exceed the maximum annual limit shown on the previous page.

14 Money goes in tax free, can grow tax free and comes out tax free as long as the money is used for eligible health care expenses. Any money in the account belongs to you and can be used to pay for eligible health care expenses today, a month from now or down the road in retirement. You can change or stop your contributions at any time. Your HSA is real money in a real bank available through WageWorks. The money is always yours even if you leave Dean Foods. The IRS limits the amount of money that you can put into an account each year, as shown on page 9. When your balance reaches $1,000, you can invest your money in several mutual funds. You can add to your tax savings by also taking advantage of the Limited Purpose Health Care Flexible Spending Account. The HSA offers savings and triple tax protection: 1. Money goes in tax free FREE Money from Dean Foods Your Tax-Free Contributions 2. Money grows tax free You won t lose what you don t use and the money can grow through investment returns. 3. Money comes out tax free Use for eligible medical, dental and vision expenses. Consider when to use money in your HSA. Set a limit in advance, whether it s $10 or $50 that you will pay out of pocket. This will allow you to grow the HSA year after year. Health Reimbursement Account When you choose the Consumer Plan for medical coverage, you will receive FREE money from Dean Foods in a Health Reimbursement Account (HRA). This money will be available in a lump-sum in January, so you start the year off with money you can use on first-dollar health care expenses. Blue Cross Blue Shield of Texas (BCBSTX) administers your HRA and will apply your HRA funds to reduce your deductible for covered out-of-pocket expenses when claims are processed. A Health Reimbursement Account (HRA) is not a use it or lose it account. You can use the money Dean contributes to your Health Reimbursement Account (HRA) for as long as you are covered by the Consumer Plan. The money in it is yours to spend on medical and prescription drug expenses that could be today, next month or next year as long as you continue your Consumer Plan coverage. If you enroll in a different medical plan, you will be unable to use the funds in your HRA. Eligibility There are no eligibility rules. Only the employer may make contributions to an HRA; employee contributions are not allowed. However, you can make pretax contributions to a Health Care Flexible Spending Account and use those tax-free dollars to pay for eligible out-of-pocket health care expenses, including dental and vision expenses. Key Features The Health Reimbursement Account is available if you enroll in the Consumer Plan. Dean Foods will make a contribution to your account January 1 if you enroll for 2017 (contribution varies by coverage level, see page 6). Unused funds in your Health Reimbursement Account roll over from year to year, as long as you continue to enroll in the Consumer Plan. Unlike the Health Savings Account (HSA), you can t take the Health Reimbursement Account (HRA) balance with you if you change your coverage to another Dean medical plan or leave Dean Foods. 10

15 Flexible Spending Accounts Flexible Spending Accounts (FSAs) let you contribute to an account you can use to reimburse yourself for eligible health care or dependent care expenses. Your FSA contributions are deducted from each paycheck before taxes and deposited into your account. FSAs are sometimes referred to as use it or lose it accounts, as you will lose some of the FSA money that you don t use within the eligible period. So plan carefully. You can only roll over up to $500 from year to year. Note: IRS rules don t allow FSA reimbursement of expenses for a domestic partner or the partner s children unless they qualify as your dependents for income tax purposes. Health Care Flexible Spending Account Key Features The maximum annual contribution is $2,550 for an individual in Your entire contribution amount is credited to your account and available to use at the start of the plan year. Use the money in this account to pay for eligible out-of-pocket medical, prescription, dental and vision expenses, such as deductibles, copays and coinsurance. The deadline to incur expenses is December 31, Receipts must be submitted by March 30, Any balance below $500 will be carried over for use in All other unused dollars will be forfeited. If you are enrolled in an HSA for 2017, the carry-over balance will be put in a limited purpose flexible spending account. If you enroll in the Standard or Core Plan, you are not eligible for this account (see Limited Purpose Health Care FSA). Limited Purpose Health Care Flexible Spending Account Key Features You can enroll in this FSA if you elect the Standard or Core Plan. The maximum annual contribution is $2,550 for an individual in Your entire contribution amount is credited to your account and available to use at the start of the plan year. Your account is limited to reimbursements for dental and vision expenses and limited medical expenses, such as expenses in excess of the Standard or Core Plan s annual deductibles, copays and coinsurance. Use money for expenses by December 31, 2017, and submit receipts by March 30, Any balance below $500 will be carried over for use in All other unused dollars will be forfeited. If you are enrolled in an HSA for 2017, the carry-over balance will be put in a limited purpose flexible spending account. Dependent Care Flexible Spending Account (For Childcare Expenses) Key Features Smart Fact Dean s HSA contribution AND your Health Care FSA contribution are available up front on January 1. The maximum annual contribution is $5,000 (or $2,500 if married filing separate federal tax returns). Unlike the Health Care FSA, in the Dependent Care FSA, your entire contribution amount is not credited to your account at the start of the plan year. To be reimbursed, you must have enough money available to cover the expense. Use the account to reimburse yourself for eligible dependent care expenses for dependents under age 13, or any age if they qualify as disabled. The Dependent Care FSA is not to pay for medical care. Eligible expenses include licensed adult and child day care centers, day camps, home care and nursery school for children not yet in first grade. Use money for expenses incurred between January 1, 2017, and December 31, Unused dollars will be forfeited. 11

16 DENTAL Dental care is important to your overall health. This is why SmartChoice offers two dental plans to choose from. Both plans cover 100% of eligible preventive care at an in-network dentist before your deductible, but basic and major care are covered differently. Our in-network provider is Delta Dental. This means using Delta Dental providers will save you money and time and they even file your claims for you! With an out-of-network provider, you pay for your care, submit a claim and wait for reimbursement. After you meet your annual deductible, you and the plan share the cost of eligible expenses. Smart Fact Find a network dentist at: or call DENTAL COVERAGE Your Monthly Cost Employee Only Employee + Spouse Employee + Children Family VALUE PLAN $5.36 $11.75 $12.45 $18.85 ENHANCED PLAN $12.58 $26.50 $27.90 $41.78 Annual Deductible 1 $75 Individual/$225 Family $50 Individual/$150 Family What You Pay Preventive Care 2 (exams, cleanings, fluoride treatments up to age 19 and X-rays) Basic Care (fillings, extractions, root canals and denture repair) Major Care (bridges, crowns and dentures) Orthodontia (for dependent children up to age 26) FREE 3 FREE 3 30% after deductible 20% after deductible 60% after deductible 50% after deductible Not Covered 50% Benefit Maximums Annual Benefit Maximum $500 per person $2,000 per person Lifetime Orthodontia Maximum Not Covered $2,000 2 per person (in addition to Annual Benefit Maximum) 1 Each family member must meet the individual deductible (up to three family members) in order to meet the family deductible amount. 2 Diagnostic and preventive services do not count against annual maximum. 3 For eligible preventive care at network dentists. Out-of-network benefits are provided, but you may incur additional costs. 12

17 VISION The vision plan through Vision Service Plan (VSP) covers expenses for regular eye exams, frames, lenses and contact lenses. When you use an in-network provider, you receive discounts, higher benefits and providers will file the claim for you. VSP also provides promotions on featured brand name glasses and sunglasses and laser vision correction. Go to or call for details or to find a VSP provider in your area. VISION COVERAGE Your Monthly Cost Employee Only Employee + Spouse 1 Employee + Children Family $8.36 $16.72 $12.54 $21.74 What You Pay Plan Features VSP Network Out-of-Network Eye Exam (once a year) $10 $10 plus any amount over $50 Eyeglass Frames 1 (every other calendar year) $150 2 plus any amount over 20% Up to $70 Eyeglass Lenses 1 (every calendar year) Single vision Lined bifocal Lined trifocal $20 $20 $20 $20 plus any amount over $50 $20 plus any amount over $75 $20 plus any amount over $100 Contact Lenses (once every calendar year in lieu of lens and frame allowances) Amount over $130 Amount over $105 1 You will pay a one-time $20 copay on lens and/or frame every calendar year. 2 Select a VSP preferred frame and you ll receive an additional $50 allowance. 13

18 LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) SmartChoice provides you with Basic Life and Basic AD&D coverage at no cost to you. You can purchase additional Life and AD&D protection for you and your family through Dean Foods at competitive group rates. Life Insurance Key Features Life Insurance pays a benefit if you or a covered family member dies. Dean Foods provides you with Basic Life Insurance equal to 1½ times your annual base pay. You may also buy additional coverage Life Plus for yourself. In addition, you may buy spouse life insurance and child life insurance. A Statement of Health (SOH) is required for certain amounts of life insurance or if you did not enroll yourself or dependents when first eligible. If required, you will be prompted to complete an SOH when you enroll. Submitting an SOH is not a guarantee of coverage and coverage will not become effective until the SOH is approved. You LEVEL Spouse 1 $20,000 $50,000 LIFE INSURANCE COVERAGE OPTIONS 1x to 5x your annual base pay (up to $1.5 million max) $100,000 $150,000 $200,000 $250,000 Children 1 $5,000 $10,000 $20,000 YOUR AGE MONTHLY COST YOUR COST FOR EACH $1,000 OF COVERAGE Non-Smoker Smoker Under 25 $0.050 $ $0.060 $ $0.080 $ $0.090 $ $0.102 $ $0.153 $ $0.264 $ $0.440 $ $0.717 $ $1.270 $1.783 Over 70 $2.310 $4.135 CHILD COVERAGE 2 $0.20 for each $1,000 of coverage For example, if you elect $5,000, your cost is $1 (5 x $0.20 = $1) Accidental Death & Dismemberment (AD&D) Key Features AD&D pays a benefit if you or a covered family member dies or is injured in an accident. Dean Foods provides you with Basic AD&D coverage equal to 1½ times your annual base pay. You may also buy additional coverage AD&D Plus for yourself, your spouse/domestic partner and your dependents. COVERAGE LEVEL You Only You + Spouse You + Children Family You Only All Other Coverage Levels AD&D PLUS COVERAGE OPTIONS 1x to 5x your annual base pay (up to $500,000 max) 50% of your AD&D Plus coverage 10% of your AD&D Plus coverage for each child (up to $20,000 per child) Spouse: 40% of your AD&D Plus coverage Each Child: 10% of your AD&D Plus coverage MONTHLY COST $0.025 for every $1,000 of coverage For example, if you elect $60,000, your monthly cost is $1.50 (60 x $0.025 = $1) $0.038 for every $1,000 of your coverage For more information on monthly premiums for Life Plus and AD&D Plus coverage, visit Check Your Beneficiary Information Your beneficiary will receive plan benefits if you die or sustain a covered injury. If you go through an important life change, make sure you review and update your beneficiary information, as needed, at 1 You can purchase Life or AD&D Plus coverage for your dependents only if you purchase Life or AD&D Plus for yourself. Spouse coverage cannot exceed your coverage level. 2 Available for dependent children under age

19 DISABILITY Dean Foods provides company-paid Short-Term Disability (STD) and Basic Long-Term Disability (LTD) coverage. You may have the option to purchase additional protection. Short-Term Disability Key Features Benefits are paid if you can t work due to an approved illness, injury or pregnancy. 1 STD is provided by Dean Foods at no cost to you. The amount paid to you is based on your length of service and pay. Benefits begin on the eighth calendar day of your disability and continue for up to 25 weeks. If you ve been with Dean Foods less than one year, STD replaces 50 percent of your base pay for up to 25 weeks. If you ve been with Dean Foods longer than one year, see the chart below. If you are entitled to receive other disability benefits, such as Social Security or state disability, your SmartChoice disability benefits will be reduced. If your length of service is SHORT-TERM DISABILITY STD replaces 80% of your base pay for Process for Requesting Leave Then replaces 60% of your base pay for Less than 2 years 4 weeks 21 weeks 2-6 years 7 weeks 18 weeks 7-14 years 15 weeks 10 weeks years 20 weeks 5 weeks 25 years or more 25 weeks 0 weeks Cigna administers the Short-Term Disability program and all Family and Medical Leave Act (FMLA) leaves of absence. As a result, you MUST call Cigna at before you begin time away from work in either of these cases. Long-Term Disability Key Features Benefits are paid if you can t work due to an approved illness or injury. 1 Basic LTD replaces up to 50 percent of your base pay and is provided by Dean Foods at no cost to you. You may be eligible to purchase additional buy up benefits called LTD Plus. Benefits begin after 180 days of continuous disability. LTD benefits are subject to pre-existing condition limits, and benefits are reduced if they begin after age 60. If you are entitled to receive other disability benefits, such as Social Security or state disability, your SmartChoice disability benefits will be reduced. LONG-TERM DISABILITY Feature Basic LTD LTD Plus Your Monthly Cost Monthly Benefit Tax Status Duration of Benefit NONE 50% of annual base pay (up to a maximum benefit of $12,000 a month) Disability benefits are taxable when you receive them Based on your monthly base pay $0.243 for every $100 of monthly base pay For example, if your monthly base pay is $2,500, then your monthly premium is $6.08 (25 x $0.243) 60% of annual base pay (up to a maximum benefit of $15,000 per month) 2 Because you pay for LTD Plus coverage after taxes, the additional 10% benefit is not taxable when you receive it As long as you are disabled (up to age 65) 1 Payment is subject to approval by Cigna. 2 $15,000 monthly maximum includes Basic LTD and LTD Plus. 15

20 VOLUNTARY BENEFITS SmartChoice from Dean Foods includes a variety of voluntary benefit plans that offer choices and convenience for you and your dependents. When you enroll in a plan, you pay the full cost of coverage, which is deducted from your paycheck after taxes. You ll receive a policy certificate from each carrier that describes the plan and procedure for accessing those benefits. Most coverage is portable, which means you can keep your coverage even if you leave Dean Foods or retire. BENEFIT Group Accident Insurance (offered through Aflac) Group Critical Illness (offered through Aflac) Group Legal Services (offered through ARAG) Identity Theft Protection (offered through InfoArmor) WHAT IT OFFERS Protection for you and your family in the event of an accident. Pays a cash benefit directly to you, unless you choose otherwise. Low and High Options available, with benefit amount depending on the injury. Designed to provide financial support throughout different stages of care: Ambulance services. Emergency treatment. Hospital admission. Intensive care unit. Travel expenses to distant treatment centers. Everyday living expenses, like your rent or mortgage, utilities and groceries. Coverage is in addition to your company-provided AD&D coverage, any AD&D Plus coverage you elect (see page 14) and the company-provided Accident Insurance you receive by enrolling in the Standard or Core Medical Plan (see page 14). Protection for you and your family in the event of a critical illness, such as cancer, a heart attack, stroke, major organ transplant, end stage renal failure or coronary artery disease. Pays a cash benefit directly to you, unless you choose otherwise. Benefit amounts available are $10,000, $20,000 and $30,000. Designed to provide financial support to help cover out-of-pocket expenses such as: Travel expenses to distant treatment centers. Specialized treatment costs. Everyday living expenses, like your rent or mortgage, utilities and groceries. Coverage is in addition to the company-provided Critical Illness coverage you receive by enrolling in the Standard or Core Medical Plan (see page 15). Affordable and reliable legal counsel for just $13.25 per month. As a member: Count on legal guidance and representation for you, your spouse and dependents for matters like buying or selling your home, preparing your will or being treated unfairly by creditors. Receive access to a nationwide network of more than 10,000 credentialed attorneys. Pay no attorney fees for most covered legal matters when you work with a Network Attorney. Receive financial education and counseling services, as well as identity theft services. Access online legal tools, resources and articles through Once you enroll, call an ARAG Customer Care Specialist at who will listen to your concerns, review plan coverages or connect you with a Network Attorney to help address your legal matter. Industry-leading protection from identity theft and credit fraud at a cost of $7.95 for Employee Only or $13.95 for Family coverage. Includes Social Media Reputation monitoring, free annual credit report, monthly credit scores and continual credit monitoring. Should identity theft or credit fraud occur, a Privacy Advocate with InfoArmor will serve as your dedicated case manager, working with you to notify authorities and performing a variety of services on your behalf. 16

21 THE SMARTCHOICE CAREPATH Right care. Right time. Right place. At Dean Foods, we are proud of the SmartChoice Benefit Program we offer employees and of the healthy approach we take to help you and your family live well. The SmartChoice CarePath continues and supports that approach. SmartChoice CarePath can guide you through the details of getting the most from your Dean Foods medical and prescription drug benefits, while helping you find the best care with the best outcome at a cost-effective price! You will receive more information about each of these CarePath partners early in January. Care Navigator, through Evive Health, serves as your virtual guide. Care Navigator can guide you through the health care system, directing you to the right level of care and best resources for your personal health issues. Access Care Navigator by phone, internet or smartphone app. BlueCross BlueShield of Texas (BCBSTX): Administers medical claims, including those or Health Reimbursement Accounts with the Consumer Plan Negotiates in-network discounts with providers Hosts the online Health Assessment Offers Special Beginnings, our prenatal care program Provides disease management programs through Blue Care Connection SmartChoice Rewards Program SmartChoice Rewards is a new program that offers a cash reward when you select a low-cost provider location from several possibilities. It is fully supported by your Benefits Value Advisor (BVA). Your BVA will provide personal phone support to assist you in obtaining the largest cash reward. Your BVA can help you: Compare costs and quality for numerous procedures Earn cash while shopping for care Estimate out-of-pocket costs Assist in making treatment decisions with your doctors With SmartChoice Rewards, you can start to shop for your health care differently. You may not know that prices for the same quality medical service can differ by thousands of dollars in your region and network or that you can shop for lower-cost care. SmartChoice Rewards will engage and inform you about your health care financial decisions and allows you to earn cash for selecting lower-cost care. The result puts extra cash in your pocket. Health Advocate Advocacy Benefit Value Advisor/Vitals SmartChoice Rewards Beacon Health Options EAP Advance Medical Expert Medical Opinion BCBSTX Medical Plans Evive Care Navigator BridgeHealth and BCBSTX Centers of Excellence CVS Pharmacy Livongo Diabetes Care Doctor on Demand Virtual Care WageWorks FSA/HSA Spend Well 17