Duke Energy Annual Benefits Enrollment for 2017

Transcription

1 Duke Energy Annual Benefits Enrollment for 2017 Enroll from Oct. 31 through Nov. 18, 2016 If you do not make enrollment elections during annual enrollment for 2017, you will have the default coverage shown on the enclosed Coverage Information Sheet. The default coverage is effective Jan. 1, 2017 and will reflect any benefit changes and contribution rate increases for 2017, as applicable. Time frame Your actions Oct. 31 Nov View your 2017 choices Review this guide. Review the enclosed personalized Coverage Information Sheet. It shows your 2017 coverage if you do nothing during annual enrollment, including the names of your covered dependents and the choices available to you for You can view this same information by accessing the Your Benefits Resources TM website. 2. Enroll For directions, refer to page 4.

2 When you need assistance and information The Duke Energy myhr Service Center If you have questions about benefits and enrollment for 2017, call the Duke Energy myhr Service Center at Representatives are available Monday through Friday, 8 a.m. to 5 p.m. Eastern time (ET) and can help you navigate online resources and find the information you need to complete your online enrollment. Menu prompts will route you to the appropriate service team for assistance. You will need your myhr password, the last four digits of your Social Security number and your date of birth ready when you call. First-time callers will be prompted to create a myhr password to help with identification and security. Your Benefits Resources Your Benefits Resources is our online resource to learn about health and pension benefits and to complete certain self-service transactions, including annual benefits enrollment for You can access the Your Benefits Resources website from anywhere that you have internet access by visiting You ll enroll online or, if you prefer, you may call the Duke Energy myhr Service Center to make enrollment elections for Use online tools to make your 2017 decisions Action Tool Description Choose the plan that works for you. Health Plan Comparison Chart View 2017 contribution rates for the Duke Energy Retiree Medical Plan (the Medical Plan ) options and compare features of up to three different Medical Plan options. Charts also are available for the Duke Energy Retiree Dental Plan (the Dental Plan ) and the Duke Energy Retiree Vision Plan (the Vision Plan ). View your out-of-pocket costs, claims paid and employer-paid amounts. Find a network provider. Health Care Cost Summary Search for Doctors Search for Dentists Search for Eye Doctors Use a summary of your actual claims data as a convenient reference in making your medical coverage decision for 2017 if you were enrolled in Duke Energy medical coverage administered by UnitedHealthcare during 2015 and/or Search to find out which providers are in the UnitedHealthcare network and learn about hospital quality and doctor performance. Search tools are also available to find providers who are in the Cigna and Vision Service Plan (VSP) networks. 2

3 What s changing for 2017 Vision coverage The in-network contact lens allowance will increase from $150 to $170. Looking for more affordable coverage choices? Refer to the information available at ehealth.com, and before you enroll in Duke Energy-sponsored coverage. Not comfortable using the computer? You can speak with someone by phone at these numbers. ehealth.com Healthcare.gov AARPHealthcare.com Medicare.gov If you are currently enrolled in Duke Energy-sponsored coverage, do not terminate your Duke Energy coverage until any new coverage you may purchase goes into effect. You have the option to drop Duke Energy-sponsored coverage at any time. 3

4 How to enroll Make 2017 coverage elections: Oct. 31 Nov. 18, 2016 The Your Benefits Resources website is generally available 24 hours a day, seven days a week. Phone assistance is available from Duke Energy myhr Service Center representatives from 8 a.m. to 5 p.m. ET, Monday through Friday. Do not wait until the last minute to call for assistance. 1. Access the enrollment site or call the Duke Energy myhr Service Center Wherever you have internet access, you can access enrollment information and tools directly at the Your Benefits Resources website ( You will need your date of birth, your myhr password and the last four digits of your Social Security number to access the Your Benefits Resources website. If you are a firsttime visitor to the website, simply follow the prompts to register to use the website. You ll need to set up a user ID and password. Your myhr password is the same password that you use when you call the Duke Energy myhr Service Center. If you do not remember your myhr password, you can request a new password online at by following the prompts. If you need assistance, call the Duke Energy myhr Service Center. OR You may enroll by calling the Duke Energy myhr Service Center at , from 8 a.m. to 5 p.m. ET, Monday through Friday. Call center representatives can answer your questions and take your enrollment elections. A family member can assist or enroll for you. 2. Make your coverage elections for 2017 You can make your coverage elections at any time during the annual enrollment window. For information about eligible dependents, please refer to page 6. You do not need to call if you do not need to make any changes. 3. Confirm your 2017 coverage elections If you enroll on the Your Benefits Resources website You will see the Completed Successfully page after you ve completed your enrollment online. Print this page as a record of your 2017 coverage elections because it serves as your Confirmation of Coverage statement. A paper Confirmation of Coverage statement will not be mailed to you. It is very important that you promptly review your Confirmation of Coverage statement for accuracy. If you find an error, you have until Nov. 18 to access the website again and make the necessary change(s). If you enroll through the Duke Energy myhr Service Center A Confirmation of Coverage statement will be mailed to your address on file within one to two business days. It is very important that you promptly review your Confirmation of Coverage statement for accuracy. If you find an error, you have until the date shown on the statement to contact the Duke Energy myhr Service Center again to make corrections. Unless you find an error and correct it as described above, no new enrollments or changes to coverage will be accepted once the enrollment window closes. Keep your copy of your Confirmation of Coverage statement with your other important records. It confirms your health and insurance elections for

5 Don t be caught with coverage you don t want Default coverage will apply if you don t access the online enrollment tool (or call the Duke Energy myhr Service Center) by Nov. 18, 2016 and change your elections for Refer to the enclosed personalized Coverage Information Sheet for more information about applicable default coverage. Consequences of providing inaccurate information during annual enrollment By making (or not changing, as applicable) your coverage elections for 2017, you are affirmatively representing that all information provided during the enrollment process is true and correct. If Duke Energy discovers that any information you provide during annual enrollment is incorrect or inaccurate, Duke Energy reserves the right to recover any contribution amounts you should have paid, to recover plan benefits paid, to take appropriate disciplinary action for falsification of information, up to and including termination of health and insurance coverage, and to take other appropriate action. Making changes during the year Once you have made your 2017 coverage elections, including default coverage, you may not change your elections during the year to enroll in coverage for yourself and/or your eligible dependents or change coverage options unless a work/life event such as birth, change in marital status or change in spouse s coverage allows you to make changes during the year. If you have a work/life event for which enrollment changes are allowed during the year, you must make any allowed changes within 31 calendar days of the date of the event. Changes to your contribution amounts will be made as soon as administratively practicable after the date on which you provide notice. You may elect to drop coverage for yourself and/or one or more covered dependents at any time, even if you do not experience a work/life event. An election to drop coverage for yourself and/or your covered dependents will be effective on a prospective basis only. For more information about work/life events and applicable time frames within which to make changes, refer to the applicable Summary Plan Description, available on the Your Benefits Resources website, or call the Duke Energy myhr Service Center for information and assistance. NOTE: A provider dropping out of a network during the calendar year does not constitute a work/life event. When you reach age 65 Eligible retirees age 65 and over and their eligible dependents age 65 and over are able to purchase individual medical, dental and/or vision coverage through UnitedHealthcare. Just before you, or your eligible dependent(s), reach age 65, UnitedHealthcare will send you information about health coverage options available to retirees (and their eligible dependents) at age 65. The information will describe the steps you need to take to purchase and enroll in individual medical, dental and/or vision coverage through UnitedHealthcare, if you choose. You are not eligible for coverage under the Medical, Dental or Vision Plan once you reach age 65. 5

6 Who s eligible When you enroll for medical, dental and/or vision coverage during the enrollment period, you also may elect to cover your eligible dependents. The following summarizes the dependent eligibility requirements. To learn more about the eligibility requirements for dependent coverage, refer to the applicable Summary Plan Description, available on the Your Benefits Resources website. Your eligible dependents include: Your spouse to whom you are legally married under applicable law, which includes your same-sex spouse; Your domestic partner; Your biological child, up to age 26; Your legally adopted child, including a child placed in your home for legal adoption by you as long as the child remains in your home and the adoption procedure has not been terminated, and whether or not the adoption has become final, up to age 26; Your stepchild, up to age 26; Your foster child, up to age 26; Your domestic partner s biological child, legally adopted child (including a child placed in your home for legal adoption by your domestic partner, as long as the child remains in your home and the adoption procedure has not been terminated, whether or not the adoption has become final), stepchild or foster child, who is primarily dependent on you for support, whom you claim as a dependent for federal income tax purposes and with whom you have a regular parent-child relationship, up to age 26; Any other child for whom you or your spouse or domestic partner has legal guardianship, full or joint legal custody or managing conservatorship under a valid court decree, who is primarily dependent on you for support, whom you claim as a dependent for federal income tax purposes and with whom you have a regular parent-child relationship, up to age 26. A child may be covered at any age if he or she becomes physically or mentally incapable of self-support while enrolled for benefits, and before reaching the limiting age of 26, or if he or she was physically or mentally incapable of self-support on your employment date and was enrolled for benefits at that time, and continuously remains incapacitated and enrolled. Generally, a retiree must be enrolled in Duke Energy-sponsored medical coverage in order for that retiree s dependents to be enrolled in that coverage. However, if you are age 65 or older and you enroll in a Medicare plan outside of the Medical Plan (e.g., in an individual coverage option available to retirees age 65 or older through UnitedHealthcare), you may enroll your dependent(s) who are younger than age 65 in the Medical Plan even if you do not enroll in the Medical Plan. Call the Duke Energy myhr Service Center for more information or refer to the applicable Summary Plan Description. Due to certain plan changes made in connection with the Affordable Care Act, active employees of Duke Energy cannot be enrolled in Duke Energy s retiree medical, dental and/or vision coverage. If you are a current Duke Energy retiree and your spouse/domestic partner is a Duke Energy employee, you cannot enroll your spouse/domestic partner in Duke Energy s retiree medical, dental and/or vision coverage as a dependent. Additionally, if you are a Duke Energy retiree enrolled in Duke Energy s retiree medical, dental and/or vision coverage and you are rehired to active status, your retiree coverage will end. 6

7 Important information regarding eligibility for survivor benefits If you are the surviving spouse/domestic partner of a retiree, you may be eligible to continue coverage in the Medical Plan, the Dental Plan and/or the Vision Plan. Your eligibility for coverage under the Medical, Dental and Vision Plans ends irrevocably if: You remarry; You establish a new domestic partner relationship; You reach age 65; You become eligible for other coverage (e.g., through an employer s plan or Medicare); or You fail to pay the applicable contribution(s) for coverage. For surviving dependent children of a retiree, Medical, Dental and Vision Plan coverage may be continued if: They continue to meet the definition of eligible dependents; and The required contributions for coverage are paid. By enrolling yourself or a child in the Medical, Dental and/or Vision Plan, you are affirmatively representing that you and/ or your child are eligible for coverage. Failure to drop coverage for yourself or your child constitutes a continuous affirmation of your and your child s eligibility. Any failure to drop coverage for yourself or your child after you or your child ceases to be eligible will be considered a misrepresentation of your or your child s eligibility, as applicable. It is your responsibility to notify us as soon as you or a child no longer meets the criteria for continued coverage under the Medical Plan, the Dental Plan and/or the Vision Plan by calling the Duke Energy myhr Service Center at Review before you make your decisions For detailed information about medical, dental, vision and other health or insurance coverage, please refer to the applicable Summary Plan Description located in Your Benefits Resources. Medical Plan highlights Medical Plan options and the ancillary support programs are administered by UnitedHealthcare. Take a close look at all of your options to determine the coverage option that is best for you and your family. Medical Plan options for 2017 are: Catastrophic (indemnity option) Health Savings Plan 1 a High-Deductible Health Plan (HDHP) option Standard Preferred Provider Organization (PPO) 7

8 The Health Savings Plan and Health Savings Account (HSA) advantage If you elect the Health Savings Plan option and meet other IRS requirements, you may be able to establish and contribute to a Health Savings Account, a tax-advantaged account, through a financial institution such as a bank of your choosing. You are responsible for sending your contributions to the HSA. Amounts that you contribute can grow tax-free through interest and amounts that you withdraw (to pay for eligible health care expenses) are not taxed. Annual IRS maximum contributions per coverage category age Individual Only Individual + Spouse/ Domestic Partner Individual + Child(ren) Individual + Family Under age 55 $3,400 $6,750 $6,750 $6,750 Age 55 or over* $3,400 + $1,000 $6,750 + $1,000 $6,750 + $1,000 $6,750 + $1,000 * The catch-up contribution applies to the individual. If your spouse also is eligible to make a catch-up contribution, he or she would need to establish and contribute to his or her own Health Savings Account. The annual Health Savings Account catch-up contribution limit in 2017 is $1,000 for individuals who are age 55 or over at any point during the year. Prescription drug coverage Prescription drug coverage is included with all Medical Plan options and is administered by CVS Caremark. Be sure to review the enclosed Medical Plan chart for more information about prescription drug coverage. Note that certain preventive medications are covered at 100 percent under the Health Savings Plan option. CVS Caremark develops the Preventive Therapy Drug List in accordance with FDA and IRS guidelines regarding the types of medications that are considered preventive and therefore may be covered under the Health Savings Plan option before the required deductible is satisfied. The list is periodically updated to reflect new guidance issued and/or new drugs to the market. The current CVS Caremark Performance Drug List includes the preferred medications for use. The CVS Caremark Performance Drug List and other lists, such as the CVS Caremark Preventive Therapy Drug List and Value Generic Drug List, are reviewed quarterly and subject to change. These lists are available on Caremark.com. There are a small number of medications excluded from the CVS Caremark formulary due to the availability of preferred alternatives. You may find that certain drugs and drug classes have additional requirements. In some cases, your prescription may need to be approved by a clinical review team or you may be asked to try a generic before a brand-name drug, or the quantity may be limited based on clinical guidelines. These requirements are in place to encourage the use of cost-effective drugs and help make sure that certain prescribing guidelines are met for your condition. If a medication you use is subject to any of these restrictions or limits, CVS Caremark will contact you. Know before you buy and save Use the CVS Caremark website ( to help you find information about your prescriptions, including the cost of medications, information about generic alternatives and savings opportunities. Not comfortable with the computer? Call Customer Care at the telephone number printed on the back of your CVS Caremark ID card. 8

9 Understanding Medicare and its impact If you become Medicare-eligible due to disability, not age If you or a covered dependent becomes eligible for Medicare before the normal Social Security retirement age due to disability, it is your responsibility to notify the Duke Energy myhr Service Center immediately. Medicare will become the primary payer of benefits. Changes to your coverage elections are likely necessary, as only certain Medical Plan options offered by Duke Energy coordinate with Medicare. The Medical Plan options available through Duke Energy do not supplement Medicare. You can search for Medicare Supplement options available in your area at Claims coordination As a retiree, once you or your covered dependent(s) become eligible for Medicare before age 65, Medicare immediately becomes the primary medical coverage and is responsible for the initial review/payment of claims. The Medical Plan coordinates any additional payment of eligible expenses for covered individuals who are Medicare-eligible. It is extremely important that you are aware of how the Medical Plan coordinates the payment of eligible medical expenses with Medicare. When coordinating the payment of eligible expenses, the Medical Plan assumes that (i) you have both Medicare Parts A and B, even if you have waived Part B coverage, (ii) that you do not have Medicare Part D coverage and (iii) that you use providers who accept Medicare. If you do not enroll in Medicare Part A coverage or if you waive your Medicare Part B coverage, those benefits that would have been covered by Medicare Part A or Part B, as applicable, will not be paid by the Medical Plan and will be your responsibility. Once you are enrolled in Medicare Parts A and B, with the coordination of benefits between Medicare and the Medical Plan, your benefit coverage will be comparable to your coverage prior to becoming eligible for Medicare. You will not receive a greater benefit in total from your Medicare and Medical Plan coverage than you would have received solely from your Medical Plan coverage. Prescription drug options Medicare Part D If you are entitled to Medicare and decide to enroll in a Medicare prescription drug plan, be aware that this will affect your coverage through Duke Energy. You or any covered family member who enrolls in a Medicare prescription drug plan for 2017 will not be eligible for the Medical Plan for This means that Duke Energy s medical coverage ends for 2017 for individuals who enroll in a Medicare prescription drug plan. You may be able to enroll for Duke Energy s medical coverage at the next annual enrollment if Medicare prescription drug coverage is dropped. Dental Plan highlights The Dental Plan, administered by Cigna, offers you and your covered dependents coverage for preventive care (cleanings and exams), more extensive treatment (fillings, extractions, crowns and bridges) and orthodontic care (up to age 19). Be sure to review the enclosed Dental Plan chart that provides some information about coverage. You also should review the enclosed Coverage Information Sheet that reflects the cost of coverage. You may use any dental provider you choose with the same level of benefit (subject to reasonable and customary limits) regardless of their Cigna network participation. However, if you use a Cigna network provider for your care, charges will be based on negotiated rates and you may find your overall costs to be lower. 9

10 Vision Plan highlights The Vision Plan, insured through Vision Service Plan, helps you pay for the cost of your vision care expenses, including routine exams and materials such as contact lenses. You may use any eye care provider you choose. However, you have a higher level of coverage when you use a doctor in the Vision Service Plan network for your eye exams, materials (glasses, contacts, etc.) or laser vision correction. If you choose to Decline Coverage, you can receive discounts through the Vision Discount Program. This program provides a discount when you use a doctor in the Vision Service Plan network for your eye exams, materials (glasses, contacts, etc.) or laser vision correction. You pay the negotiated discount rate at the time you receive services. Be sure to review the enclosed Vision Plan chart that provides some information about coverage. You also should review the enclosed Coverage Information Sheet that reflects the cost of coverage. 10

11 Contact information Your Benefits Resources For information about benefit options and assistance with benefits enrollment Web Address Contact Number Duke Energy myhr Service Center For information about benefits eligibility and answers to enrollment questions UnitedHealthcare For information about Medical Plan coverage, claims and network providers CVS Caremark For information about the prescription drug benefit program, formulary and mail service program Cigna For information about Dental Plan coverage, providers and features Vision Service Plan For information about Vision Plan coverage, providers and features Your Spending Account TM For information about Health Reimbursement Account (HRA) features. The HRA is available only to certain retirees (Under Other Benefits, select Your Spending Account) (Select Spending Accounts from the main menu) 11

12 Annual notifications Women s Health and Cancer Rights Act Group health plans that cover mastectomies will cover certain breast reconstruction benefits in connection with a mastectomy. Coverage will be provided in a manner determined in consultation with you and your physician for: Reconstruction of the breast on which the mastectomy was performed Surgery and reconstruction of the other breast to produce a symmetrical appearance Prosthesis and physical complications for all stages of mastectomy, including lymphedema This coverage is subject to all of the terms of the Medical Plan, including relevant deductibles and co-insurance provisions. Newborns and Mothers Health Protection Act Health plans and insurance carriers generally may not, under federal law, restrict a mother s or newborn s benefits for a hospital length of stay that is in connection with childbirth to less than 48 hours following a vaginal delivery or 96 hours following a delivery by cesarean section. However, federal law generally does not prohibit the mother s or newborn s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours, as applicable). In any case, plans and insurance carriers may not, under federal law, require that a provider obtain authorization from the Medical Plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours, as applicable). Privacy of Your Protected Health Information The Health Insurance Portability and Accountability Act (HIPAA) is federal legislation designed to protect the privacy and confidentiality of an individual s protected health information. A copy of Duke Energy s Notice of Privacy Practices is available on the Your Benefits Resources website, or you can request a copy by calling the Duke Energy myhr Service Center. Summary Plan Descriptions The Summary Plan Descriptions (SPDs) provide full descriptions of the Medical, Dental and Vision Plans (collectively, the Plans ) along with information regarding your rights, obligations and benefits under the Plans. The SPDs are available on the Your Benefits Resources website. You also may request a paper copy of the SPDs by contacting the Duke Energy myhr Service Center at About this guide This guide is intended to assist you in making your enrollment elections and contains selected highlights of Duke Energy s employee benefits plans. If any statement herein, or any other communication, conflicts with applicable plan documents, the plan documents will govern. Duke Energy retains the right to amend, modify or terminate its benefits plans in any respect and at any time, and neither its benefits plans nor your plan participation will be considered a contract for future employment. myhr, Your Benefits Resources and Your Spending Account are trademarks of Hewitt Management Company LLC. Cigna is a registered service mark of Cigna Intellectual Property Inc., licensed for use by Cigna Corporation and its subsidiaries. CVS Caremark is a registered mark of Caremark LLC. UnitedHealthcare is a registered mark of UnitedHealth Group Inc. Vision Service Plan is a registered mark of Vision Service Plan. 12

13 2017 Duke Energy Retiree Medical Plan Options Administered by UnitedHealthcare Plan Highlights Catastrophic Health Savings Plan 1 1 Standard PPO In-Network Out -of-network In-Network Out -of-network In-Network Out -of-network Co-insurance (plan pays) 100% 2 80% 60% 2 80% 60% 2 Individual/Family Deductible $5,900/$17,700 $2,500/$5,000 3 $5,000/$10,000 3 $800/$2,400 $1,000/$3,000 Individual/Family OOP Max (includes deductible) $5,900/$17,700 $5,000/$10,000 $10,000/$20,000 $3,300/$7,400 $6,000/$10,000 Preventive Care $0 $0 $0 Co-insurance Co-insurance Office Visit (Primary) $40 4 Co-insurance Co-insurance Co-insurance Co-insurance 4 Office Visit (Specialist) $50 4 Co-insurance Co-insurance Co-insurance Co-insurance 4 Inpatient Admission (Precertification required) Co-insurance Co-insurance Co-insurance Co-insurance 4 Co-insurance 4 Emergency Room $75 Co-insurance Co-insurance $150 4 $150 4 Urgent Care Co-insurance Co-insurance Co-insurance $50 4 $50 4 PRESCRIPTION DRUG COVERAGE Administered by CVS Caremark Individual/Family Prescription OOP Max Preventive Medications 5 (you pay) 30-day supply (you pay): Generic Preferred Brand Non-preferred Brand 90-day supply 9 (you pay): Generic Preferred Brand Non-preferred Brand Included with medical (above) Included with medical (above) $2,000/$4,000 Same as 30-day & 90-day pricing shown below Lower of $10 or cost of medication 6 25% up to $ % up to $100 6 Lower of $25 or cost of medication 6 25% up to $ % up to $250 6 Full cost at point of sale 7 $0 Co-insurance for medications not designated as preventive Co-insurance for medications not designated as preventive Full cost at point of sale 7 Full cost at point of sale 7 Same as 30-day & 90-day pricing shown below Lower of $10 or cost of medication 8 25% up to $ % up to $100 8 Lower of $25 or cost of medication 8 25% up to $ % up to $250 8 Full cost at point of sale 7 OOP = Out-of-Pocket 1 If you enroll in the Health Savings Plan option, you may be eligible to open and contribute to a Health Savings Account through a financial institution of your choosing. All expenses are subject to the deductible and apply to the OOP maximum, excluding certain preventive care expenses and preventive medications. 2 Subject to reasonable and customary charges 3 The deductible is a true family deductible; the full family deductible amount must be reached before the Medical Plan pays any benefits for any covered member of the family 4 Amounts apply to the medical OOP maximum 5 As included on the CVS Caremark Preventive Therapy Drug List 6 Per medication purchased and applied toward the medical OOP maximum 7 Must file manual claim. CVS Caremark will reimburse using the negotiated price of the medication, less the required co-pay and/or co-insurance, as applicable. 8 Per medication purchased and applied toward only the prescription drug coverage OOP maximum 9 Can be filled at a CVS Retail Pharmacy or through the CVS Caremark Mail Service Pharmacy #2 This document contains selected highlights of Duke Energy s employee benefits plans. If any statement herein, or any other communication, conflicts with the applicable plan documents, the plan documents will govern. Duke Energy retains the right to amend, modify or terminate its benefits plans in any respect and at any time, and neither its benefits plans nor your plan participation will be considered a contract for future employment.

14 2017 Duke Energy Retiree Dental Plan Coverage Administered by Cigna #2 Plan Highlights Annual deductible Individual Family Annual maximum benefit Preventive care (plan pays) Basic services (plan pays) Major services (plan pays) Orthodontia up to age 19 (plan pays) Orthodontia limits $50 $150 $1,500 per individual 100%, no deductible 80% after deductible 50% after deductible 50%, no deductible $2,000 separate lifetime maximum per individual 2017 Duke Energy Retiree Vision Plan Coverage Administered by Vision Service Plan, or VSP Plan Highlights In-Network Out-of-Network Eye Exam, once every calendar year 100% covered Up to $50 reimbursement Standard plastic lenses (single vision, bifocal or trifocal), one pair every calendar year $20 co-pay Up to $50, $75 or $100 reimbursement (single, bifocal or trifocal) Standard progressive lenses, one pair every calendar year $55 co-pay Up to $75 reimbursement Frames, one pair every other calendar year Contact lens 1 services (fitting & evaluation and materials), once every calendar year (in lieu of lenses & frames) $20 co-pay $140 allowance plus 20% off any amount over $140 15% off contact lens exam (fitting and evaluation) $170 allowance Up to $70 reimbursement Up to $110 reimbursement Laser vision correction 15% discount 1 Elective Conventional (non-disposable) & Disposables Cigna is a registered service mark of Cigna Intellectual Property Inc., licensed for use by Cigna Corporation and its subsidiaries. CVS Caremark is a registered mark of Caremark LLC. UnitedHealthcare is a registered mark of UnitedHealth Group Inc. Vision Service Plan is a registered mark of Vision Service Plan. This document contains selected highlights of Duke Energy s employee benefits plans. If any statement herein, or any other communication, conflicts with the applicable plan documents, the plan documents will govern. Duke Energy retains the right to amend, modify or terminate its benefits plans in any respect and at any time, and neither its benefits plans nor your plan participation will be considered a contract for future employment.