At Cummins, we want to empower our employees to be healthier, more energetic, creative, and productive.

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1 February 2014 New Year Message from Dr. Dexter Shurney Dear Cummins Employees: In 2014, do you want to be healthier? More energetic? More productive at work and at home? There is no better time than the start of a new year to set new personal and professional goals that are important to you. That s especially true when it comes to the health and wellness of you and your families. At Cummins, we want to empower our employees to be healthier, more energetic, creative, and productive. To do this, we provide tools and resources that help you proactively take charge of your health and wellness, save on your health care costs, and reward you for your healthy lifestyle efforts. Below is a convenient summary of the exciting new and existing tools and resources available to better connect you with our health and wellness programs and partners: At Cummins, we want to empower our employees to be healthier, more energetic, creative, and productive. NEW Anthem Health Guides: You now have a single resource for ALL of your health and coverage needs. Our Anthem Health Guides will either have the answer for you, or will direct you to the appropriate resource. The Health Guide is your resource for claims and coverage questions, and can also: Link you with other Cummins resources Schedule appointments for medical care Connect you with community resources Help you find cost-effective ways to spend your health care dollars Health Tracks Incentive: You can again save on your health plan contributions and earn other rewards by taking steps to improve your health. Enhanced Castlight tool: Your ability to search for the best value and quality for the care you need is now even better, with expanded search features, more provider reviews, and more detailed cost information. We hope these tools and resources, combined with Healthyroads Lifestyle Coaching and our other Health Tracks programs, will allow you and your family to live healthier and fuller lives in 2014 and beyond. Sincerely, Dexter Shurney, M.D., MBA, MPH Chief Medical Director and Executive Director of Global Health and Wellness Your Next Steps

2 Your Health Hub: New Anthem Health Guides Cummins is committed to providing you with best-in-class health partners to help you get and stay healthy, and keep you motivated throughout the year. But there are a lot of resources available to you and your family, and it can get confusing. Not anymore! You now have a single resource for all of your health and coverage questions with Anthem s Health Guides. The Anthem Health Guides can look at your health history and make suggestions on how to get the care you need and find ways to save you money on that care. They can also answer questions about your claims and coverage even schedule appointments for care. And if they don t have the answer, they will connect you to the community or Cummins resource that does. Can I use my HSA dollars to pay for eye glasses? I need help finding a provider in my area and scheduling an appointment. Has my spouse accumulated enough HealthMiles to earn the incentive? I just found out I have high blood pressure. What now? CBS Benefits Contact Center Continue to call the CBS Benefits Contact Center at for questions related to: Plan designs Qualifying life events Enrollment Eligibility Connecting to an Anthem Health Guide is Easy! Just call , Monday through Friday from 8 a.m. to 8 p.m. EST and have your Anthem member ID number ready

3 Great Ways to Manage Your Health Care Expenses Preventive care is always covered at 100% under both the HSA 3000 and HSA However, both plans also include an annual deductible. The annual deductible is simply the amount you must first pay in medical and prescription drug expenses (excluding preventive care) each year before the plan starts paying the majority of your costs in the form of coinsurance. To manage your expenses during this deductible phase, Cummins offers a number of resources to help YOUR HEALTH SAVINGS ACCOUNT (HSA) DOLLARS THE HEALTH TRACKS INCENTIVE ENHANCED CASTLIGHT TOOL ANTHEM NURSELINE CUMMINS HEALTH CENTERS Your account receives contributions from Cummins based on your pay and level of coverage, that you can save and spend tax free You can save $600 on your health plan contributions, as well as earn an additional $200 in HealthCash You can search to find the best value and quality when you need care Support is available 24/7 when you have health-related questions and could save you an unnecessary trip to the ER or doctor s office You will pay less for visits to the Cummins Health Centers compared to other providers in your community 1 Your Health Savings Account (HSA) Dollars Cummins Contributions Cummins makes a contribution to your HSA based on your pay and coverage level: Base salary $35,000 or less: $800 employee only/$1,600 all other coverage levels Base salary more than $35,000: $500 employee only/$1,000 all other coverage levels The full amount of the Cummins HSA contribution is made in early January, so it s all available to use early in the year. HSA The full amount of the Cummins HSA contribution is made in early January, so it s all available to use early in the year. (continued on page 4) 3

4 1 Your Health Savings Account (HSA) Dollars (continued from page 3) HSA A Tax-Free Way to Save You can also fund your account through before-tax payroll deductions, which reduces the amount you pay in state and federal taxes. Your contributions are automatically taken out of your paycheck you don t have to do anything. If you are single, you can save up to $3,300 this year (including Cummins contributions); families can save up to $6,550 (again, including Cummins contributions). A Tax-Free Way to Spend Withdrawals from your HSA are tax-free when they re used for eligible health care expenses. So you re not taxed when you put money into your account, or when you take money out. The next time you need to pay for services, you know that you can pay for it with your HSA dollars tax-free! Once You Have It, It s Yours You own the funds in your HSA both your before-tax contributions and the contributions from Cummins. This means that any dollars in your account at the end of the year roll over for you to use the following year. And if you leave Cummins for any reason, you take your account dollars with you. Because of the account s portability, and because you do not forfeit funds at the end of each year, your HSA is an important savings vehicle for your long-term health care expenses. 2 The Health Tracks Incentive Cummins always wants to help you stay motivated and focused on your health. In 2014, you can again earn a $600 health plan incentive (a discount on your payroll contributions in 2015) if you earn 12,000 HealthMiles and your covered spouse/domestic partner (if applicable) earns 6,000 HealthMiles. If you earn the incentive by September 30, you will see your 2015 health plan discount when you enroll for coverage in the fall during Open Enrollment. If you earn the incentive after September 30, but before the end of the year, your health plan discount will be effective February 1, What can $600 in savings do for you? It can pay for: 1 annual gym membership 3 pairs of prescription eye glasses You can start or increase your HSA savings at any time! All you have to do is: Go to healthspan.cummins.com. Select Guides/Forms on the right side of the home page. Download the 2014 HSA Contribution Change Request Form. Fax or the completed form to the CBS Benefits Contact Center. 4 shares of Cummins stock Funding your HSA 4

5 Here s what you need to do: Wellness Online Health Assessment Go to healthspan.cummins.com and select Online Health Assessment in the Apps section. Vital Numbers Watch for events at Cummins sites. 2,000 HealthMiles BMI At or below 30 Blood Pressure At or below 140/90 Total Cholesterol At or below 220 mg/dl Blood Glucose At or below 139 mg/dl Certify Tobacco-free (for the past 3 months) These measures recorded during your Vital Numbers screening. Steps Wear your GoZone and upload your steps regularly HealthMiles per day Self-enter Activity Self-enter activity in your VHM LifeZone account HealthMiles per day Physical Activity Remember: You and your covered spouse/domestic partner must create a Virgin Pulse account to get credit for completing these activities. If you already have an account, you can continue to use it in Coaching* Healthyroads Lifestyle Coaching Work with a Healthyroads Coach to lose weight, quit tobacco for good, manage stress, or just live healthy. Call per month Anthem Maternity Management (Future Moms) Work with a Future Moms nurse to have a healthy pregnancy and delivery. Call per month * Health coaching is available to enrollees in the Cummins health plan. Support the Cummins Every Employee, Every Community (EEEC) effort and earn when you or your spouse/domestic partner complete four hours of community service. Employees can record their hours on the EEEC website (My Cummins > My Community > Log your hours). Spouses/domestic partners can record their hours on the Life Zone page of the Virgin Pulse website. wellbeing If it is unreasonably difficult due to a medical condition for you to participate in an activity or coaching program for the reward under this program, ask your physician to complete and return the Reasonable Alternative Physician Form as directed on the form. The form is available on HealthSpan (healthspan.cummins.com) under Guides/Forms in the Health Tracks section. Virgin Pulse reserves the right to investigate conspicuous performance. If you falsify information or inappropriately use the GoZone, you are in violation of the Cummins Code of Business Conduct. BONUS Participate in Challenges Watch for monthly opportunities to participate in challenges and earn HealthMiles. Visit Your Health Station Each time you visit a Health Station at your location, your HealthMiles will be updated with: 250 HealthMiles for taking your measurements (1x per month) 200 HealthMiles for ideal/improved BMI (1x per month) 200 HealthMiles for ideal/improved blood pressure (1x per month) 5

6 Healthyroads Lifestyle Coaching Imagine taking a trip to a place where you re at your best. You re relaxed. You re tobacco free. You exercise regularly, and you eat well. You feel good. This isn t just the stuff of fairy tales. You can have all of this and more and all at no cost to you. When you work with a dedicated Healthyroads Coach, you can get support in setting and achieving your personal health goals. Every tool is at your disposal! Telephone coaching sessions on weight management, tobacco cessation, stress management, and/or healthy living Online tools including nutrition and fitness planners, animated exercises, e-coaching courses, Ask a Coach section, daily tips on personalized topics, health articles, trackers, and a personal health calendar Award-winning program materials such as manuals, guides, and self-care mental imagery or relaxation modules 3 Enhanced Castlight Tool When it comes to paying for health care, you may feel like you don t have a choice in how much you pay but you re wrong. Castlight s health care shopping tool allows you to compare nearby doctors based on quality and price. The price transparency helps you find the best deal for the care you need. The quality ratings ensure you receive care from providers with the best outcomes, reducing misdiagnosis and unnecessary follow-ups saving you time and money! New for 2014: You can now leave reviews for your providers, helping others make informed decisions on where to get high quality care. Castlight is partnering with Angie s List to increase provider reviews by more than 1 million. You have access to refined search features and more detailed cost information, including information on what Cummins pays and what you pay. Use the Castlight app to get personalized cost, quality, and plan information right from your phone whenever you need it. Scan the QR code to get the Castlight app right now. Or visit healthspan.cummins.com or mycastlight.com/cummins to register. Is Your Retirement Planning On the Right Track? Go to the Wellbeing tab of healthspan.cummins.com to learn more about the Power of 2 (Cummins Pension Plan + Cummins Retirement and Savings Plan) and take a brief quiz to see if your planning is on track. Enroll online at Healthyroads.com to start your journey to better health. Or, call for more information or to schedule telephone coaching sessions. Finding the motivation to change your health habits can be hard. That s why we reward you with per month when you work with a Healthyroads Coach. Healthyroads, Healthyroads Coach, and the Healthyroads logo are trademarks of American Specialty Health Incorporated (ASH), the parent company of Healthyroads, Inc., and used with permission herein. 6 Coaching Anthem s Imaging Management (AIM) Program As you ve learned from the Castlight tool, a higher price doesn t always mean higher quality. Based on the imaging provider your doctor recommends, you may pay higher out-of-pocket costs. And if you haven t yet met your annual deductible, you ll pay 100% of those higher costs until the deductible is met! The AIM Program helps you save by finding quality imaging services that cost you less by shopping around for the best price on MRIs or CT Scans that are prescribed by your doctor. Here s how it works: Your doctor will give you a referral to an imaging provider for an MRI, MRA, CT scan, or CTA. When Anthem reviews your referral, they will check to see if the imaging provider is your area s most cost-effective, quality choice. If it isn t, a Health Outreach Specialist will call you to let you know there is a lower cost, and high quality imaging provider close by. Anthem will call you you don t have to do anything! You can choose to follow your doctor s referral, or go to one of the imaging providers Anthem suggests.

7 4 Anthem Nurseline It s 2:00 a.m. and your daughter has a high fever. What should you do? It s 10:00 p.m. and you have questions about a new medication. Who can you ask? Thanks to the Anthem Nurseline, taking care of yourself and your family is a whole lot easier and can save you money. You have a 24/7 resource for non-emergency health information. Call the Nurseline to talk with a registered nurse who can answer questions about your health, help you understand your prescription medications, or recommend treatment options and it costs you nothing! Call As you know, your HSA with Bank of New York Mellon is now administered by BenefitWallet, a Xerox Company. BenefitWallet offers you a number of education materials and videos to help you save on your health care expenses and taxes. Not only that, but the site also includes interactive tools to help you calculate: How much to save through your HSA, The available tax savings when you contribute to your account, and How to achieve your HSA savings goals. Visit mybenefitwallet.com today to learn more. 5 Cummins Health Centers Cummins Health Centers offer a wide range of health care services from wellness screenings to regular office visits to occupational health services that can help you save both time and money. Cummins Health Centers are conveniently located at many of our Cummins locations: Cummins Health Centers offer competitive pricing to save you $$$: $30 for routine office visits, $60 for visits covering more complex issues, and All other services priced below community rates. 7

8 CBS Benefits Contact Center 2931 Elm Hill Pike Nashville, TN Your Next Steps About This Newsletter This newsletter contains only highlights of programs and campaigns offered to HealthSpan participants. Every effort has been made to report information accurately, but the possibility of error exists. In addition, not every plan detail of every benefit that may matter to you could be included in this newsletter. Cummins benefit programs are governed by an official plan document. In case of any conflict between this newsletter and an official plan document, the plan document will be the final authority. For more detailed information about the program or any of the topics discussed in this newsletter, call the CBS Benefits Contact Center toll-free at Monday through Friday, 7 a.m. to 6 p.m. Central Time or review your Summary Plan Descriptions (SPDs). SPDs are available through the HealthSpan website. 8