What You Need to Know

Transcription

1 FOR U.S. RETIREES 2016 HEALTH CARE ANNUAL ENROLLMENT: Choose Your Retiree Health Coverage What You Need to Know 2016 Annual Enrollment is from Oct. 13 to Oct. 30, 2015 Note that information contained in this brochure as well as on the Pfizer Plus website does not apply to the following retiree groups: Aetna International, AH Robins, American Optical, Warner Lambert retirees covered by the Enhanced Severance Plan (ESP), Warner Lambert Parke Davis Oil, Chemical and Atomic Workers (OCAW) Union, Warner Lambert colleagues who retired before Jan. 1, 1992, or Wyeth retirees covered by the Change in Control (CIC) arrangement.

2 Table of Contents Welcome to Annual Enrollment for 2016 Pfizer Benefits...1 How to Use This Guide...1 Non-Medicare-Eligible (Under Age 65) Retiree Coverage Options...2 Changes for Choose Your Claims Administrator... 2 Choose a Medical Plan Option... 3 Medical Management... 3 Prescription Drug Coverage... 4 Coverage Comparison Chart... 5 Vision Plan... 6 Important Things to Consider: Non-Medicare-Eligible Coverage Medicare-Eligible (Over Age 65 or Medicare-Disabled) Retiree Coverage Options...8 Changes for Medical Plan Options... 8 Plan Features and Programs... 9 ID Cards... 9 Prescription Drug-Only Option Prescription Drug Coverage...10 Coverage Comparison Chart...11 Vision Plan...12 Important Things to Consider: Medicare-Eligible Coverage...13 If Medicare Eligibility Differs Among Family Members (Split-Family Coverage)...14 Turning Age How to Enroll...16 Your Resources...18 What to Expect in the Coming Months...20

3 1 Welcome to Annual Enrollment for 2016 Pfizer Benefits Welcome to annual enrollment for your 2016 health care coverage. This is your opportunity to evaluate your current coverage and determine whether you need to make changes particularly if your circumstances or health have changed over the last year. Review the information in this brochure to become familiar with the 2016 medical and prescription drug plan options, any plan changes that are being made for 2016, and what you need to do to enroll for coverage effective Jan. 1, How to Use This Brochure The information in this brochure is based on your specific situation and/or that of your dependents: NOTE TO CAREGIVERS If you are a caregiver to a Pfizer retiree or dependent, please see Page 18 of this brochure for information on accessing health care information and helping with enrollment elections. If See You and your dependent(s) are not eligible for Medicare Pages 2 7 You and your dependent(s) are eligible for Medicare Pages 8 13 You have split family coverage (one of you is eligible for Medicare and the other isn t) Page 14 You or your dependent(s) are turning 65 after Oct. 1, 2015 or in early 2016 Page 15

4 2 Non-Medicare-Eligible (Under 65) Retiree Coverage Options Non-Medicare-Eligible (Under Age 65) Retiree Coverage Options Pfizer offers medical, prescription drug and vision coverage to retirees and their eligible dependents who are not yet eligible for Medicare (e.g., have not yet reached age 65). Note: If some family members are eligible for Medicare and some aren t, you are considered to have split family coverage. Please go to Page 14 for more information on how split family coverage works. Changes for 2016 Effective 2016 there will be a few changes to medical and prescription drug coverage that you should be aware of: Highlights of Retiree Medical Changes for 2016 Medical Services Requiring Pre-Authorization and Medical Necessity Verification: Pre-authorization will be expanded to include a medical necessity verification for certain services under both the Retiree PPO and High-Deductible PPO medical plan options. See Page 3 for more details. Rx Maintenance Choice Program: This voluntary program extends mail order pricing to your local CVS/pharmacy. With Maintenance Choice, you can pick up a 90-day supply of your non-specialty maintenance medications at a CVS/pharmacy and receive the benefits of mail order pricing or you may still use the CVS Caremark Mail Service Pharmacy and have your prescriptions delivered to the location of your choice. See Page 4 for more details. Rx Dispense as Written Requirement for Non-Pfizer Brand Name Medications: If you want a non-pfizer brand name medication when there is a generic available, you must have your doctor write your prescription as dispense as written. Otherwise, if you request the non-pfizer brand name medication at the pharmacy, you will be responsible for paying the full cost difference between the generic medication and the non-pfizer brand name medication you requested, in addition to your regular coinsurance amount. This change does not apply to Pfizer brand name medications. See Page 4 for more details. Rx Glucose Monitoring Program: Effective Jan. 1, 2016, certain blood glucose meters for diabetes monitoring will be available at no cost through your prescription drug benefit under both the Retiree PPO Plan and the High-Deductible PPO Plan. See Page 4 for more details. Choose Your Claims Administrator: UnitedHealthcare or Horizon Blue Cross Blue Shield You have a choice of claims administrators, UnitedHealthcare (UHC) or Horizon Blue Cross Blue Shield (Horizon), for your medical coverage. There is no difference in the monthly cost of coverage between administrators. You will pay the same contribution whether you choose UHC or Horizon, and the benefits provided are the same. The only difference is the provider networks for each. You should consider the claims administrator network in which your provider(s) participate. You can learn more about UHC and Horizon and their network of providers by visiting their websites. See Your Resources on Page 18 of this brochure for contact information. It is always a good idea to check with your provider(s) to confirm their continued participation with these claims administrators. Behavioral health coverage is administered by United Behavioral Health (UBH), regardless of which claims administrator you choose. You can contact UBH directly for more information and to find a provider. See Your Resources on Page 18 of this brochure for contact information.

5 Non-Medicare-Eligible (Under 65) Retiree Coverage Options 3 Choose a Medical Plan Option: Retiree PPO vs. High-Deductible PPO Pfizer continues to offer two medical plan options to retirees who are not yet eligible for Medicare the Retiree PPO plan and the High-Deductible PPO plan. Both options provide in-network and out-of-network coverage, preventive care and prescription drug coverage, with Pfizer drugs including Greenstone generic drugs covered at no cost to you. As mentioned above, whichever option you choose, you must also choose a medical claims administrator, UHC or Horizon. The chart below compares certain key elements of the Retiree PPO and High-Deductible PPO plans: Deductible and Out-of- Pocket Maximum Retiree PPO Lower High-Deductible PPO Higher Monthly Contributions Higher Lower In-Network Coverage 80% 80% Out-of-Network Coverage 60% 60% Non-Pfizer Prescription Drug Coverage 80% 70% Review the coverage chart on Page 5 for more details and to determine which coverage best meets your needs. Choosing the Right Coverage Selecting the right health care plan should be based on several factors, including the amount of coverage you need and how you prefer to pay for your medical costs: Lower monthly contributions with the potential for higher out-of-pocket costs when you receive services; or More predictable costs through higher monthly contributions with lower out-of-pocket costs when you receive services. In-Network vs. Out-of-Network No matter which option you choose, you will receive a greater benefit when you use in-network providers. By using in-network providers, you have a lower annual deductible and are reimbursed at a higher rate. Additionally, you save money because your provider has agreed to charge a contracted rate, which is generally lower than the rates charged for outof-network care. To locate an in-network provider, please refer to Your Resources on Page 18 for your claims administrator s website, network name and telephone contact information. Note that, on average, over 90 percent of non-medicare-eligible Pfizer retirees are already using in-network providers today. NEW for 2016 Medical Services Requiring Pre-Authorization and Medical Necessity Verification Medical management helps ensure that you receive appropriate medical care in the appropriate setting. In some cases, medical management programs may also assist with the decision-making process when evaluating different treatments, and may result in a treatment which is less invasive and/or allows for a faster recovery. Effective Jan. 1, 2016, pre-authorization will be expanded to include a required medical necessity verification before you receive the following services under both the Retiree PPO Plan and the High-Deductible PPO Plan: Bone Growth Stimulator Non Emergency Transport air Breast Reconstruction, non-mastectomy Orthognathic Surgery BRCA Genetic Testing Program Orthotics greater than $1,000 Cochlear Implants and other auditory implants Prosthetics greater than $1,000 Congenital Heart Disease Treatment Proton Beam Therapy Cosmetic & Reconstructive Procedures Septoplasty/Rhinoplasty Durable Medical Equipment (DME greater than $1,000) Spinal Stimulator for Pain Management Home Health Care Nutritional, Private Duty Nursing, Skilled Nursing Sleep Apnea Treatment and Surgeries Injectable Medications Sleep Studies, facility-based Intensity Modulated Radiation Therapy (IMRT) Spine Surgeries (inpatient & outpatient) Joint Replacement Vagus Nerve Stimulation MR-guided Focused Ultrasound (MRGFUS) to treat Uterine Fibroid Vein Procedures Muscle Flap Procedure Ventricular Assistance Devices When you obtain care from an in-network provider, the provider will obtain pre-authorization automatically, and you will not be held responsible if your in-network provider fails to obtain the pre-authorization. However, if you are obtaining care through an out-of-network provider and you do not have the service pre-authorized, the service will not be covered and you will be responsible for paying the entire cost of the service out-of-pocket (if this occurs, the charge will not count toward your annual deductible or out-of-pocket maximum). If you are scheduling a service with an out-of-network provider and you are unsure whether the service requires preauthorization, or if you are considering a potentially unproven service or treatment, call your claims administrator to verify that the service in question will be covered. You may also request a pre-determination of benefits to understand in advance if your claim for a specific service will be covered. Reminder, regardless of the procedure, inpatient hospital care, including emergency treatment that results in confinement, is subject to pre-notification procedures.

6 4 Non-Medicare-Eligible (Under 65) Retiree Coverage Options Prescription Drug Coverage Prescription drug coverage is automatically included with your retiree medical coverage, and is administered by CVS/caremark. Coverage varies based on your medical plan election. For details see the chart on Page 5. NEW for 2016 Maintenance Choice Program If you are filling a non-specialty maintenance medication at a retail pharmacy instead of through mail order, consider the new Maintenance Choice program. This voluntary program extends mail order pricing to your local CVS/pharmacy. With Maintenance Choice, you can fill a 90-day supply of your non-specialty maintenance medications at a CVS/pharmacy or you may still use the CVS Caremark Mail Service Pharmacy and have your prescriptions delivered to the location of your choice. For more information, contact the pharmacist at a CVS/pharmacy, call CVS/caremark at , or visit If you are already filling a non-specialty maintenance medication at a CVS/pharmacy, you will receive mail order pricing for a 90-day supply of those maintenance medications prescriptions beginning Jan. 1, NEW for 2016 Dispense as Written Requirement for Non-Pfizer Brand Name Medications If you want a non-pfizer brand name medication when there is a generic available, you must have your doctor write your prescription as dispense as written. Otherwise, if you request the non-pfizer brand name medication at the pharmacy, you will be responsible for paying the full cost difference between the generic medication and the brand name medication you requested (in addition to your regular coinsurance amount). If your doctor uses an e-prescribing system, be sure to remind him or her to check the dispense as written box for you. This change does not apply to Pfizer brand name medications. How to Save Money When Filling Your Prescription Because Pfizer drugs including Greenstone generics are covered at no cost to you, you will want to ensure you receive the Pfizer medication you are prescribed. Have your provider indicate dispense as written on your Pfizer brand name prescription to avoid substitution with a non-pfizer medication and a potential charge. As described, ask your provider to indicate dispense as written to ensure you receive the non-pfizer brand and avoid paying the difference between the cost of the generic and the non-pfizer brand, if you request the brand at the pharmacy. Use a CVS/caremark participating pharmacy and present your ID card at the time of purchase to receive the highest benefit from the prescription drug plan. Otherwise, if you use a nonparticipating pharmacy, you will be required to pay the full cost of your prescription and then submit a claim to CVS/caremark for reimbursement. The reimbursement you receive may be less than the full cost of the prescription if the cost is over the CVS/caremark contracted rate. You are responsible to pay any amount over the CVS/caremark rate. Those amounts are not considered eligible for reimbursement under your Pfizer medical or prescription drug coverage or applied to your annual outof-pocket maximum. Other tips to save money: Ask if a Greenstone generic is available for a non-pfizer brand name medication; or Sign up for the new Maintenance Choice Program for your non-specialty maintenance medications. SPECIALTY MEDICATIONS When you are prescribed a specialty medication, that medication must be ordered through specialty mail order. You can have it delivered to the location of your choice, or you can choose to pick it up at a CVS/pharmacy. For more information on specialty medications, please call CVS/specialty at NEW for 2016 Glucose Monitoring Program In addition to your current coverage for diabetic testing supplies, effective Jan. 1, 2016, OneTouch blood glucose testing meters* by LifeScan will be available at no cost through your prescription drug benefit under both the Retiree PPO Plan and the High- Deductible PPO Plan. To find out more about this new program, call CVS/caremark at Please have your prescription drug ID card, and your doctor s name and phone number ready when you call. *Glucose meters provided by LifeScan Inc. Choice of meter is subject to change. IMPORTANT INFORMATION ABOUT PFIZER AND GREENSTONE ZERO COST MEDICATIONS The list of Pfizer drugs including Greenstone generics covered at no cost may change from year to year as new drugs are added and some drugs are removed. Because the list includes medications co-branded or co-marketed with other companies, medications may be removed from the list as these agreements expire.

7 Non-Medicare-Eligible (Under 65) Retiree Coverage Options 5 See the chart below for a high-level comparison of the key provisions of the Retiree PPO Plan and the High-Deductible PPO Plan for non-medicare eligible participants. Feature Retiree PPO High-Deductible PPO In-Network Out-of-Network In-Network Out-of-Network Deductible (Individual/Family) $700/$1,750 $1,400/$3,500 $3,000/$7,500 $6,000/$15,000 Out-of-Pocket Maximum (Individual/Family) $4,000/$6,500 $7,000/$13,000 $7,000/$12,500 $10,500/$18,500 (includes deductible) Coinsurance Pfizer pays 80%; you pay 20% (contracted rate) Pfizer pays 60%; you pay 40% (R&C* rate) Pfizer pays 80%; you pay 20% (contracted rate) Pfizer pays 60%; you pay 40% (R&C* rate) Preventive Care** 100% 100%** 100% 100%** Hearing Aids Pfizer pays 80%; you pay 20% up to your out-ofpocket maximum of $1,500 per year Pfizer pays 60%; you pay 40% up to your out-ofpocket maximum of $1,500 per year Pfizer pays 80%; you pay 20% up to your out-ofpocket maximum of $1,500 per year Pfizer pays 60%; you pay 40% up to your out-ofpocket maximum of $1,500 per year Prescription Drugs Pfizer drugs including Greenstone generics: 100% Prescription Drugs Out-of-Pocket Maximum (Individual/Family) 100% coverage on OneTouch blood glucose testing meters*** Non-Pfizer: You pay 20% with a $10 minimum/$125 maximum coinsurance per prescription, per 30-day supply Non-Pfizer: You pay 30% with a $15 minimum/$150 maximum coinsurance per prescription, per 30-day supply $3,500/$5,500 $3,500/$5,500 * Reasonable and customary (R&C) rates are based on the research of the doctor s usual, actual and community average charge as determined by the claims administrator. You are responsible for paying the difference between what the provider charges and the R&C rate. This is in addition to your coinsurance. ** Includes annual physical and related preventive tests, such as mammography or a colonoscopy. Contact your claims administrator for details. Preventive care must be coded as such to be covered at 100 percent (out-of-network services subject to R&C rates). ***Blood glucose testing meters are provided by LifeScan Inc. (OneTouch ). Choice of meter is subject to change. If the total cost of the prescription is less than the minimum coinsurance, you continue to pay the lesser of either the minimum coinsurance or the cost of the prescription.

8 6 Non-Medicare-Eligible (Under 65) Retiree Coverage Options Vision Plan Vision benefits are included as part of your retiree medical coverage and are administered by EyeMed Vision Care (EyeMed). EyeMed provides coverage for routine eye care expenses, including eye examinations and eyewear, with a large network of independent and national retail providers such as LensCrafters, Pearl Vision, Sears Optical, Target Optical and JCPenney Optical. The following chart highlights key provisions under the Vision Plan. For more details, see the benefits summary available on Vision Plan Benefit* In-Network Out-of-Network Annual Eye Exam $10 copay Up to $40 Lenses Single Vision $20 copay Up to $40 Lenses Bifocal $20 copay Up to $60 Lenses Trifocal $20 copay Up to $80 Frames** $0 copay, $130 allowance; Up to $50 (Any available frame at provider location) you receive a discount of 20% over the $130 allowance Contact Lenses*** (Disposable) $0 copay, $150 allowance Up to $150 Contact Lenses*** (Medically Necessary) $0 copay, Paid-in-Full Up to $210 *Except for frames, all provisions shown are covered once every calendar year. **Frames are covered once every other calendar year. ***Contact lens allowance includes materials only. To find an in-network vision provider, go to and choose the INSIGHT network or call EyeMed at , Monday through Saturday from 7:30 a.m. to 11:00 p.m. and Sunday from 11:00 a.m. to 8:00 p.m., Eastern time.

9 Non-Medicare-Eligible (Under 65) Retiree Coverage Options 7 Important Things to Consider: Non-Medicare-Eligible Coverage The Costs of Coverage Your personal fact sheet (PFS) includes your costs of coverage and will be mailed to you separately. This year, in response to retiree feedback, we are mailing the PFS at the same time as this brochure. If you haven t received it yet, please call the hrsource Center at Benefits Specialists will be available to assist you Monday through Friday from 8:30 a.m. to Midnight, Eastern time. Paying for Coverage: The Retiree Medical Subsidy If you are eligible for Pfizer s Retiree Medical Subsidy (RMS), an RMS is established at the time of your retirement to help pay the cost of your retiree medical coverage.* The RMS defines the total dollar amount that Pfizer will contribute toward the cost of your Company-sponsored medical coverage and is used to pay Pfizer s share of your retiree medical coverage costs. Your RMS balance will decrease over time based on the cost of the coverage you choose. You will pay the difference, in the form of monthly contributions, between the total cost of coverage and the amount Pfizer pays through the RMS. To see your current RMS balance, refer to your PFS or go online to and click on the Health & Insurance section. You can see your balance in the window that pops up. For more information, call the hrsource Center at Hardship Provision The expense of making regular medical and prescription drug contributions can be difficult for retirees living within a limited income. If this is the case, you may qualify for reduced contributions if you meet certain criteria. If you are single and your income in 2014 was less than $17,655, or if you are married and your combined income in 2014 was less than $23,895, you may qualify for a hardship provision and reduced medical plan contributions. These income thresholds, updated each calendar year, are similar to the criteria used to determine eligibility for Extra Help under Medicare Part D. You may apply for assistance during the upcoming annual enrollment period if your gross income for 2014 was lower than the thresholds outlined above. To obtain an application, call the hrsource Center at to speak with an hrsource Benefits Specialist. You will be required to submit a copy of your 2014 income tax return as part of the application process. If you don t apply by the deadline, you will have to wait until next year s annual enrollment to apply again. If approved, your reduced contribution rate will take effect as of Jan. 1, 2016, and will remain in effect until Dec. 31, The reduced contribution will equal ten percent of the full plan cost for retirees under age 65. Should you qualify, you will be notified of your contribution rate in writing. Important Note: You will need to re-apply for this provision each year during the annual enrollment period. If you apply and do not qualify, you have the opportunity to reapply the following year. CONFIRM HARDSHIP ELIGIBILITY To confirm your eligibility for a hardship provision, contact the hrsource Center at Remember, you must re-apply each year. Note that the hardship provision is not available to retirees with access-only coverage. *The RMS is provided to legacy Pfizer retirees who retired after Jan. 1, 2010 and legacy Wyeth retirees who retired after Jan. 1, For non-medicare-eligible retirees, the current annual RMS withdrawal 75% of the total cost for non-medicare-eligible retirees and 50% of the total cost for non-medicare-eligible dependents remains unchanged for 2016.

10 8 Medicare-Eligible (Over 65 or Medicare-Disabled) Retiree Coverage Options Medicare-Eligible (Over Age 65 or Medicare-Disabled) Retiree Coverage Options Pfizer offers medical, prescription drug and vision coverage for retirees and/or dependents who are eligible for Medicare (i.e., have reached age 65, or are disabled and eligible for Medicare). Note: If some family members are eligible for Medicare and some aren t, you are considered to have split family coverage. Please go to Page 14 for more information on how split family coverage works. You will also receive information directly from UnitedHealthcare (UHC) regarding the Medicare Advantage plans and from SilverScript Insurance Company regarding the prescription drug coverage. Changes for 2016 Effective 2016 there will be a few changes to medical and prescription drug coverage that you should be aware of: Highlights of Retiree Medical Changes for 2016 New Pfizer-Sponsored Medicare Part D Prescription Drug Program: Starting in 2016, Medicare-eligible prescription drug coverage will be changing to Pfizer-sponsored Medicare D coverage administered by SilverScript Insurance Company which is affiliated with CVS/caremark. See Page 10 for more details. Hardship Eligibility: Eligibility for Pfizer s hardship contribution has been updated to align with approvals under the Medicare Extra Help program. See Page 13 for more details. Glucose Monitoring Program: Effective Jan. 1, 2016, certain blood glucose testing strips and meters for diabetes monitoring will be available at no cost under both your medical and your prescription drug coverage. See Pages 9 10 for more details. Medical Plan Options If you and/or your eligible dependent(s) are eligible for Medicare, you can choose from among three coverage options: Pfizer Medicare Advantage Base Plan; Pfizer Medicare Advantage Buy-Up Plan; and Prescription Drug-Only Plan. Note that under the Pfizer Medicare Advantage Base Plan, you will each be required to satisfy an individual annual deductible. This however will be your only annual deductible you do not need to satisfy separate Medicare Part A and B deductibles. Under both the Pfizer Medicare Advantage Base Plan and Medicare Advantage Buy-Up Plan, you will also each be required to satisfy separate out-of-pocket maximums. The Centers for Medicare and Medicaid Services (CMS) do not allow deductibles and out-of-pocket maximums to coordinate for a family covered under a Medicare Advantage plan. Pfizer-Sponsored Medicare Advantage Plans You may only enroll in the Pfizer Medicare Advantage Base Plan or the Pfizer Medicare Advantage Buy-Up Plan if you meet the eligibility requirements established by the CMS, namely that you: Are enrolled (and remain enrolled) in Medicare Parts A and B; Provide hrsource with your Health Insurance Claim Number (HICN); Have a permanent U.S. street address (no P.O. Box)* on file; and Are not within the 30-month coordination period for end-stage renal disease. * You can keep your P.O. Box address as your primary mailing address; we will only use your street address for purposes of Medicare eligibility. These plans are administered through UnitedHealthcare (UHC), and replace Medicare Part A and Part B coverage. Please note, however, that you must continue to pay your Part A (if applicable) and Part B monthly contributions to Medicare. Failure to enroll in both Medicare Parts A and B will affect your eligibility to elect coverage under Pfizer s retiree medical program. Note: Pfizer Medicare Advantage medical plan options do not apply to U.S. retirees residing in Puerto Rico. SilverScript prescription drug coverage does not apply to U.S. retirees residing in Puerto Rico or to retirees eligible for access-only coverage. Please call the hrsource Center at if you have questions about the options available to you. Benefits Specialists will be available to assist you Monday through Friday from 8:30 a.m. to midnight, Eastern time.

11 Medicare-Eligible (Over 65 or Medicare-Disabled) Retiree Coverage Options 9 Glucose Monitoring: Two New Programs In addition to your current coverage for diabetic testing supplies, effective Jan. 1, 2016, the medical plan options for Medicare-eligible retirees will offer two new glucose monitoring programs: one under medical coverage, through UHC, and one under prescription drug coverage, through SilverScript. Please refer to the following chart for coverage details. Note: if you are enrolled in a Pfizer-sponsored Medicare Advantage plan, you can use both programs. Program Accu-Chek (Roche and OneTouch (LifeScan)) glucose testing meters and test strips covered at 100% OneTouch (LifeScan) blood glucose testing meters covered at 100%* *Glucose meters provided by LifeScan Inc.. Choice of meter is subject to change. Other Supplemental Medicare-Related Plans CMS does not allow enrollment in more than one Medicare Advantage plan or Medicare Part D plan, so if you are already enrolled in one of those plans, you will need to choose between that plan and the Pfizer-sponsored plan. If you are enrolled in a Medigap or Medicare Supplemental plan, these types of plans are intended to supplement Medicare. Since the Pfizer Medicare Advantage plan replaces Medicare, you would not receive any additional benefits from your Medigap or Medicare Supplemental plan. You may want to consider enrolling in the Prescription Drug-Only option if you would like to keep your Pfizer prescription drug coverage. Prescription Drug-Only Option If you have medical coverage available elsewhere (e.g., you are enrolled in a Medigap plan, a Medicare Supplemental plan), or don t wish to enroll in the Pfizer Medicare Advantage Base Plan or Pfizer Medicare Advantage Buy-Up Plan, you can still take advantage of valuable Pfizer prescription drug benefits by enrolling in the Prescription Drug-Only option, which provides Medicare Part D prescription drug coverage through SilverScript Insurance Company which is affiliated with CVS/caremark along with additional benefits provided by Pfizer. You may only enroll in the Pfizer Prescription Drug-Only option if, in addition to meeting Pfizer s eligibility requirements, you meet the eligibility requirements established by the CMS, namely that you: Are enrolled (and remain enrolled) in Medicare Parts A and B;* Provide hrsource with your Health Insurance Claim Number (HICN); and Have a permanent U.S. street address (no P.O. Box) on file. You can keep your P.O. Box address as your primary mailing address; we will only use your street address for purposes of Medicare eligibility. Medicare does not allow you to be enrolled in more than one Medicare prescription drug plan at the same time, which means *Failure to enroll in both Medicare Parts A and B will affect your eligibility to elect coverage under Pfizer s retiree medical program. Medicare Advantage Base Plan that if you enroll in Pfizer s Prescription Drug-Only option, your enrollment in any other Medicare Part D as well as any individual Medicare Advantage plan or other (non-pfizer) employer-sponsored Medicare Advantage Plan will be automatically canceled, as will the enrollment for your covered Medicare-eligible dependents. If you enroll in a non-pfizer Medicare prescription drug plan or Medicare Advantage plan any time after annual enrollment ends on Oct. 30, 2015, you and any enrolled dependents will lose your Pfizer-sponsored retiree medical and prescription drug coverage. Plan Features and Programs UHC offers a variety of special programs as part of your Medicare Advantage enrollment to help support you and your loved ones. For more detailed information about the Pfizer-sponsored Medicare Advantage plans, visit the UHC website at or call UHC s Pfizer-dedicated tollfree number at , TTY 711 from 8:00 a.m. 8:00 p.m. in your local U.S. time zone, seven days a week. Program HouseCalls SilverSneakers Solutions for Caregivers hihealth Innovations Medicare Advantage Buy-Up Plan To learn more about this benefit, call UHC at To learn more about this benefit, call SilverScript at Description Free (no copay) annual visit to your home by a health care practitioner to: Review your health history and medications; Perform a physical evaluation; Identify health risks; and Provide education information. Results of the HouseCalls visit are sent to your doctor. Free basic fitness membership and access to more than 13,000 participating locations. SilverSneakers Steps personalized fitness program for members who can t get to a SilverSneakers location. Select general fitness, strength, walking or yoga programs; and Steps wellness tools help you get fit at home or on the go. Free information, education, resources and care planning, including: On-site evaluation by a Registered Nurse; and Personal plan of care developed by a Geriatric Case Manager. Discounts on hearing aids. Prescription Drug-Only N/A

12 10 Medicare-Eligible (Over 65 or Medicare-Disabled) Retiree Coverage Options NEW for 2016 Prescription Drug Coverage Effective Jan. 1, 2016, prescription drug coverage for Medicareeligible participants is moving to a Pfizer-sponsored Medicare Part D prescription drug plan through SilverScript Insurance Company, which is affiliated with CVS/caremark, Pfizer s current pharmacy benefit manager. This change will have no effect on your Pfizer-sponsored Medicare Advantage medical coverage. The plan, called SilverScript Employer PDP sponsored by Pfizer ( SilverScript ), combines a standard Medicare Part D plan with additional prescription drug coverage provided by Pfizer. Part D is Medicare s prescription drug coverage. Your level of coverage today will not change, with Pfizer drugs including Greenstone generics covered at no cost to you. Because this is a Medicare Part D plan, there will be an individual annual out-of-pocket maximum and a family out-of-pocket maximum will no longer apply. Prescription drug coverage for the Medicare Advantage plan options and the Prescription Drug-Only option is shown in the chart below. Prescription Drugs Prescription Drug Out-of-Pocket Maximum Pfizer drugs including Greenstone generics: Covered at no cost to you. Non-Pfizer Drugs: You pay 20% with $10 minimum/$125 maximum coinsurance* per prescription for a 30-day supply (Pfizer pays 80%). $3,400 per individual. * If the total cost of the prescription is less than the minimum coinsurance, you continue to pay the lesser of either the minimum coinsurance or the cost of the prescription. A list of 2016 Pfizer drugs including Greenstone generics covered at no cost is included in this package for your reference. TAKING A MAINTENANCE DRUG? DON T MISS A DOSE Make sure you don t miss a dose of your non-specialty maintenance medications. Sign up for auto-refill and use the CVS Caremark Mail Service Pharmacy or a preferred pharmacy. The pharmacy will refill your medication and let you know when it is ready to be shipped from the mail order pharmacy or for you to pick up at a preferred network retail pharmacy. Whether you choose mail order or a preferred network retail pharmacy, you pay the same cost. Filling Your Prescription Because Pfizer drugs including Greenstone generics are covered at no cost to you, you want to ensure you receive the Pfizer medication you are prescribed. Have your provider indicate dispense as written on your prescription to avoid substitution with a non-pfizer medication and a potential charge. If your prescription is written for a brand name medication, including a Pfizer drug for which a generic version is available, and marked dispense as written, you will receive the brand name medication you were prescribed. If it s not marked dispense as written, you will generally receive the generic version of the medication. However: At a retail pharmacy, you can ask the pharmacist to provide you with the brand name medication. In some states, pharmacists are required to fill your prescription with the generic. Through a SilverScript network mail order pharmacy, you must request in advance that your prescription be filled with the brand name medication. The mail order pharmacy will keep this indication on record for you so you will always get the brand name medication you re prescribed. If you use an out-of-network pharmacy or use a network pharmacy but don t present your prescription drug ID card when you pick up your prescription, you will be required to pay the full cost of the prescription and send your request for reimbursement to SilverScript, along with your receipt showing the payment you made. You will only be reimbursed for the plan s share of the cost for your medication. The price of the drug may be higher at an outof-network pharmacy than the same drug at a network pharmacy and you may have to pay part of the cost, even for Pfizer drugs and Greenstone generic drugs. Keep in mind that you must use a network pharmacy to have your drug costs count toward your Medicare total drug costs and Medicare out-of-pocket costs, except in an emergency or non-routine circumstance. Other tips to save money: Request a Pfizer brand name medication; or Ask if a Greenstone generic is available for a non-pfizer brand name medication. You can find participating pharmacies, or preferred network retail pharmacies (generally CVS/pharmacy) near you on the SilverScript website. See Your Resources on Page 18 for details and contact information. ID Cards If you are currently enrolled in a Pfizer-sponsored Medicare Advantage plan or enroll in one for 2016, you and your covered dependents will receive 2016 ID cards from UHC in December, regardless of whether you make any changes in coverage.

13 Medicare-Eligible (Over 65 or Medicare-Disabled) Retiree Coverage Options 11 Additional Premium for Higher-Income Retirees You may be required to pay an Income-Related Monthly Adjustment Amount for your Medicare Part D premium because of your annual income. This Part D Income-Related Monthly Adjustment Amount is also referred to as D-IRMAA. If your modified adjusted gross income as reported on your IRS tax return from two years ago is more than a certain income level, Medicare will require you to pay the D-IRMAA based on your income. For 2016, the income levels are $85,000 for an individual and $170,000 for a married couple filing jointly. There is no D-IRMAA if your income is below these amounts. Each family member determined to be high income and enrolled in a Medicare Part D plan will pay the applicable D-IRMAA. For example, if both you and your spouse are enrolled in a Medicare Part D plan and determined to be high income, you both will pay the D-IRMAA. Neither Pfizer nor SilverScript are notified if you are required to pay the D-IRMAA, unless you are disenrolled by Medicare for non-payment. See the chart below for a comparison of the key provisions of the 2016 Medicare-eligible coverage options. Feature Medical Plan Features Pfizer Medicare Advantage Base Plan Pfizer Medicare Advantage Buy-up Plan Deductible* $100 per individual $0 Out-of-Pocket Maximum (includes deductible) $3,400 per individual $2,400 per individual Office Visit $25 copay $15 copay Office Visit (Specialist) $35 copay $25 copay Lab / X-ray $20 per procedure/test $10 per procedure/test Magnetic Resonance Imaging (MRI) Pfizer pays 80%;you pay 20% $25 copay PT/OT/Speech Therapy Visit $35 copay $25 copay Hospital Inpatient Stay $500 per admission $350 per admission Hospital Outpatient Stay $350 per admission $250 per admission Emergency Room Visit $65 copay $65 copay Urgent Care Visit $35 copay $35 copay Durable Medical Equipment Pfizer pays 80%;you pay 20% Pfizer pays 80%; you pay 20% Diabetic Supplies 100% coverage on OneTouch and Accu-Chek blood glucose testing strips and meters Hearing Aid (UHC hihealth Innovation Program offers discounts on hearing aids) Medicare Part B Prescription Drugs (covered under medical) Prescription Drug Coverage Prescription Drugs Out-of-Pocket Maximum $500 allowance every 36 months $500 allowance every 36 months $35 copay $35 copay Prescription Drug-Only Option No Coverage Pfizer Drugs (including Greenstone generics): Covered at no cost 100% coverage on OneTouch blood glucose testing meters Non-Pfizer Drugs: You pay 20% with $10 minimum/$125 maximum coinsurance** for a 30-day supply (Pfizer pays 80%) $3,400 per individual *Deductible only applies to inpatient and outpatient services the purchase or rental of durable medical equipment and Medicare Part B drugs. **If the total cost of the prescription is less than the minimum coinsurance, you continue to pay the lesser of either the minimum coinsurance or the cost of the prescription.

14 12 Medicare-Eligible (Over 65 or Medicare-Disabled) Retiree Coverage Options Medicare-Eligible (Under 65 or Medicare-Disabled)) Retiree Coverage Options Vision Plan Vision benefits are included as part of retiree medical coverage. Please note that vision coverage does not apply to the Prescription Drug-Only option. Vision benefits are administered by EyeMed Vision Care (EyeMed). EyeMed provides coverage for routine eye care expenses, including eye examinations and eyewear, with a large network of independent and national retail providers such as LensCrafters, Pearl Vision, Sears Optical, Target Optical and JCPenney Optical. The following chart shows key provisions under the Vision Plan. For more details, see the benefits summary available on Vision Plan Benefit* In-Network Out-of-Network Annual Eye Exam $10 copay Up to $40 Lenses Single Vision $20 copay Up to $40 Lenses Bifocal $20 copay Up to $60 Lenses Trifocal $20 copay Up to $80 Frames** (Any available frame at provider location) Contact Lenses*** (Disposable) Contact Lenses*** (Medically Necessary) *Except for frames, all provisions shown are covered once every calendar year. **Frames are covered once every other calendar year. ***Contact lens allowance includes materials only. $0 copay, $130 allowance; you receive a discount of 20% over the $130 allowance Up to $50 $0 copay, $150 allowance Up to $150 $0 copay, Paid-in-Full Up to $210 To find an in-network vision provider, go to and choose the INSIGHT network or call EyeMed at , Monday through Saturday from 7:30 a.m. to 11:00 p.m. and Sunday from 11:00 a.m. to 8:00 p.m., Eastern time. Note that if you or an eligible dependent is enrolled in the Pfizer Medicare Advantage Base Plan or the Pfizer Medicare Advantage Buy-up Plan, you can choose whether to receive the annual vision exam through UHC or through EyeMed. All other vision benefits are provided through EyeMed.

15 Medicare-Eligible (Over 65 or Medicare-Disabled) Retiree Coverage Options 13 Important Things to Consider: Medicare-Eligible Coverage The Costs of Coverage Your personal fact sheet (PFS) includes your costs of coverage and will be mailed to you separately. This year, in response to retiree feedback, we are mailing the PFS at the same time as this brochure. If you haven t yet received it, please call the hrsource Center at Benefits Specialists will be available to assist you Monday through Friday from 8:30 a.m. to Midnight, Eastern time. Paying for Coverage: The Retiree Medical Subsidy If you are eligible for Pfizer s Retiree Medical Subsidy (RMS), an RMS is established at the time of your retirement to help pay the cost of your retiree medical coverage.* The RMS defines the total dollar amount that Pfizer will contribute toward the cost of your Company-sponsored medical coverage and is used to pay Pfizer s share of your retiree medical coverage costs. Your RMS balance will decrease over time based on the cost of the coverage you choose. You will pay the difference, in the form of monthly contributions, between the total cost of coverage and the amount Pfizer pays through the RMS. To see your current RMS balance, refer to your PFS or go online to and click on the Health & Insurance section. You can see your balance in the window that pops up. For more information call the hrsource Center at REMINDER: COST-SHARING ARRANGEMENT CHANGING BEGINNING IN 2016 As previously communicated, the current annual RMS withdrawal 90 percent of the total cost for Medicareeligible retirees and 80 percent of the total cost for Medicare-eligible dependents will change to 85 percent of the total cost for retirees and 70 percent of the total cost for dependents between 2016 and Your 2016 contributions will reflect the impact of this change. *The RMS is provided to legacy Pfizer retirees who retired after Jan. 1, 2010 and legacy Wyeth retirees who retired after Jan. 1, New Hardship Provision Process for 2016 Pfizer is sensitive to the fact that the expense of making regular medical and prescription drug contributions can be difficult for retirees living within a limited income. As a result, you may qualify for reduced contributions if you meet certain criteria. The 2016 process for applying for the Hardship Provision for Medicare-eligible retirees has changed. Pfizer is aligning eligibility for the contribution hardship reduction with the Medicare Part D low income subsidy (called Extra Help ). Retirees who have been approved for Extra Help will automatically be eligible for Pfizer s contribution hardship provision. Medicare-eligible retirees will now need to apply for Extra Help through Medicare. If approved, Medicare will notify SilverScript, who will in turn notify hrsource. You can apply for Extra Help: Call Medicare at MEDICARE ( ). TTY users should call Available 24 hours a day, 7 days a week, or go online at Online at By calling the Social Security Administration at to either apply by phone or request an application by mail, or In person at your local Social Security office. Once you have completed your application process, Social Security will send you a letter to advise you of your acceptance or denial. If CMS approves your eligibility for Extra Help, CMS will notify hrsource and your monthly Pfizer contribution (the amount you are invoiced, or the deduction taken from your pension check or automatic bank withdrawal) will be automatically adjusted. This reduction will include any amount from Extra Help. Each year, by the end of September, Social Security sends a letter to certain Extra Help recipients, with a form outlining the financial and personal information they have on file. If you get one of these letters, you will be required to confirm within 30 days whether the information has changed. If you do not respond to this request, Medicare will end your enrollment in Extra Help and, subsequently, your eligibility for the Pfizer hardship provision will also end.

16 14 If Medicare Eligibility Differs Among Family Members (Split-Family Coverage) If Medicare Eligibility Differs Among Family Members (Split-Family Coverage) Please refer to the plan options and provisions as described beginning on Page 2 for non-medicare-eligible participants and beginning on Page 8 for Medicare-eligible participants. Enrolling in Coverage All eligible family members are required to elect a Pfizer retiree medical plan based on whether or not each individual is eligible for Medicare. For example, if you are Medicare-eligible and your spouse is not: You will elect from the Medicare-eligible options the Pfizer Medicare Advantage Base Plan, the Pfizer Medicare Advantage Buy-up Plan or the Prescription Drug-Only Plan (as outlined on Pages 8 11) for Yourself Only. You will elect from the non-medicare eligible options the Retiree PPO Plan or the High-Deductible PPO Plan (as outlined on Pages 2 5) for your spouse as Your Qualified Adult. Similarly, if your spouse is Medicare-eligible and you are not, you will elect from the non-medicare eligible options for yourself under Yourself Only coverage, and elect from the Medicareeligible options for your spouse under Your Qualified Adult. For those family members who are not Medicare-eligible, they may elect either UHC or Horizon as their medical claims administrator. For those who are Medicare-eligible, UHC is the only medical claims administrator. All covered family members receive separate ID cards. HARDSHIP PROVISION The process of applying for the Pfizer Hardship provision will be based on the Pfizer retiree s age, not the dependent s. If the Pfizer retiree is not yet Medicareeligible, please refer to Page 7. If the Pfizer retiree is Medicare-eligible, please refer to Page 13. ENROLLING ONLINE If you enroll online, note that you and your other covered family members will see different coverage options that are available depending on Medicare eligibility. Understanding How Deductibles and Out-of-Pocket Maximums Work for Split Family Coverage If you or your spouse/eligible dependent is enrolled in one of the Medicare Advantage plans and the other is enrolled in the Retiree PPO or the Retiree High-Deductible PPO, amounts that count toward the deductible and out-of-pocket maximums in the Medicare Advantage plan will not cross-apply with the deductible and out-of-pocket maximum in the Retiree PPO or Retiree High-Deductible PPO. You will be required to satisfy separate deductibles and out-of-pocket maximums as you do today. Meet Daniela and James Daniela is a Pfizer retiree age 60, and her husband James is age 67. Daniela will enroll in the High-Deductible PPO for 2016 administered by Horizon, and James will enroll in the Pfizer Medicare Advantage Base Plan, administrated by UHC. Daniela and James will have different network providers, separate ID cards and separate deductibles to meet.

17 Turning Age Turning Age 65 There are several things you will need to keep in mind if you are approaching your 65th birthday. Note that if you are turning age 65 between Oct. 1, 2015 and Jan. 1, 2016, you will receive a separate package with instructions on what you need to do to enroll in coverage. You will need to elect your coverage for the remainder of 2015 in one of the options available to Medicare-eligible retirees, and then make any changes for You may only make these changes by phone. If you are turning 65 after Jan. 1, 2016, the information below will be helpful to you. You will generally become eligible for Medicare on the first day of the month you turn 65. If your birthday occurs on the first of the month, you will become eligible for Medicare on the first of the month prior to your 65th birthday. In order to be eligible for one of the Pfizer-sponsored Medicare Advantage plans and SilverScript prescription drug coverage, there are a few steps you will need to complete first. STEP 1. Enroll in Medicare Parts A and B. You should receive information regarding the enrollment process directly from Medicare at least six months prior to your 65th birthday. If you do not, contact your local Social Security office. STEP 2. Enroll in a Pfizer-sponsored Medicare Advantage plan or the Prescription-Drug Only option (see Pages 8 11 for details). If you re planning to enroll in one of the Pfizersponsored Medicare Advantage plans, there s certain information that you will need to provide to hrsource: a. Health Insurance Claim Number (HICN) from your Medicare ID card; b. Street address (if P.O. Box on file); and c. Your current contact information, including best telephone number STEP 3: Your information will be submitted to Centers for Medicare and Medicaid (CMS). Note that CMS must approve your enrollment in a Medicare Advantage and/ or SilverScript Prescription drug plan, and that coverage can only become effective on the first of the month (beginning with the first of the month you turn age 65). Therefore it s recommended that you plan ahead. Initial Enrollment Period for Medicare Parts A and B As mentioned above, you must first enroll in Medicare Parts A and B to be eligible to enroll in the Pfizer-sponsored Medicare Advantage plans or the Prescription Drug-Only option. Your initial enrollment period for Medicare is a seven-month period that begins three months before the month you turn age 65, includes the month you turn age 65, and ends three months after the month you turn age 65. You should enroll in Medicare Parts A and B as soon as you are able and prior to your 65 th birthday to avoid any delays in coverage. General Enrollment Period If you didn t sign up for Part A and/or Part B when you were first eligible, you can sign up between Jan. 1 and Mar. 31 each year. Your coverage will begin the following Jul. 1. In general, Medicare assesses you with a financial penalty in the form of a higher Medicare monthly premium for late enrollment. This penalty will continue to apply for as long as you are enrolled in Medicare. Health Insurance Claim Number (HICN) Once you enroll in Medicare, the Social Security Administration assigns you a health insurance claim number. This number appears on your Medicare ID card as well as your health insurance claims and other Medicare-related paperwork. CMS requires that you provide Pfizer with your HICN, as well as a valid street address (no P.O. boxes) in order for you to enroll in one of the Pfizer-sponsored Medicare Advantage plans. It may also be a good idea to make sure that hrsource has your contact phone number(s) on file in case any questions or issues arise during the enrollment process. TURNING 65 MID-YEAR Note that if you become Medicare-eligible mid-year, any amounts you have paid through that date toward your annual medical deductible and out-of-pocket maximums will not carry over; however, your prescription drug amounts will carry over.

18 16 How to Enroll How to Enroll Key Dates This year s annual enrollment period will run from Oct. 13 to Oct. 30, Use the time before enrollment begins to give some thought to your coverage needs. You can call the hrsource Center to get answers to questions regarding the Pfizer retiree plan options, the differences in coverage for Medicare-eligible and non-medicare-eligible retirees and/or dependents, and more. Make sure you have the information you need to enroll: Your Fidelity customer username; if you have been using a Social Security number as your username, you may be required to change this when you log in. Your Fidelity password. You can create or change your Fidelity password by calling the hrsource Center at or online at by clicking Having trouble with your Username and Password? Date of birth and Social Security number for covered dependents. This information is required for Medicare purposes. You should also review the eligibility rules for your covered dependents to confirm that they still meet the requirements. Preparing to Enroll: Key Considerations It s important to understand how your coverage works, and which options will help meet your needs and those of your eligible dependents. In order to assess what choices best fit your personal situation and to ensure you ve given it careful consideration, ask yourself the following questions: If you are eligible for Medicare, have you enrolled in Medicare Parts A and B? Does Pfizer have your HICN and street address on file? How many years away are you from being eligible for Medicare coverage? Have you added or dropped dependents? Has your or your dependent(s) health status changed? Are you currently undergoing regular medical treatment? Are your dependent(s)? Can you expect this in the near future? Are you currently taking any regular maintenance medications?

19 How to Enroll 17 Enroll Online or by Phone You can enroll, make a change to your current coverage or decline your coverage during the Oct. 13 to Oct. 30, 2015 annual enrollment period online or by phone. You may also make changes to your dependent coverage at this time. Note that if you are turning age 65 between Oct. 1, 2015 and Jan. 1, 2016, there will be a separate process you need to follow. See Page 15 for more information. Online Go to Click Compare and Choose Benefits on the banner at the top of the home page. Click the option(s) you wish to choose for When you are satisfied with your elections, click Save & Submit on the Benefits Election page. If you and/or your dependent(s) are Medicare-eligible, refer to the enrollment instructions included with your personal fact sheet (PFS) that will be mailed to you the week of Oct 2. By Phone Call the hrsource Center at Monday through Friday between 8:30 a.m. and Midnight, Eastern time, to speak with a Benefits Specialist who will take your elections. Print Your Confirmation Statement If you enroll online, print your confirmation statement when your enrollment is complete. If you enroll over the phone, you will be mailed a confirmation statement shortly thereafter. ID Cards If you are not Medicare-eligible, you will only receive a new ID card if you enroll in or change your coverage. For Medicare-eligible retirees, every family member who is enrolled in a Pfizer-sponsored Medicare Advantage plan will receive his/her own Medicare Advantage ID card with unique ID numbers from UHC in December. When receiving medical services under the plan, you will only need to present your Medicare Advantage ID card when you receive medical services. If you are Medicare-eligible, you will not need to show your original Medicare ID card, although you should keep it in a safe place for your records. You will also receive an ID card from SilverScript, which should be used to fill prescriptions beginning Jan. 1, Note that you should continue to use your current EyeMed ID card for vision benefits. ELECTION CORRECTIONS AND CHANGES As a reminder, you can make corrections or changes to your 2016 elections through Dec. 30. Note however, if you make changes after Dec. 1, 2015, you may not receive your new ID card by Jan. 1, After Dec. 31, 2015, you must have a qualified event in order to change your coverage.

20 18 Your Resources Your Resources Topic Online Resource Phone Resource Enrolling in 2016 Benefits Call the hrsource Center at ; Benefits Specialists will be available to assist you Monday through Friday from 8:30 a.m. to Midnight, Eastern time Medical Coverage through UHC (Non-Medicare-Eligible Coverage) Choice Plus Network Call UHC at , Monday through Friday, between 8:00 a.m. and 8:00 p.m., Eastern time (Medicare Advantage) Call UHC at , TTY 711 from 8:00 a.m. 8:00 p.m. local time, 7 days a week Medical Coverage through Horizon (Non-Medicare-Eligible Coverage) Blue Card Network Behavioral Health Services through United Behavioral Health (Non-Medicare-Eligible Coverage) Prescription Drug Coverage (Non-Medicare-Eligible Coverage) Use access code Call Horizon at , Monday through Wednesday and Friday, 8:00 a.m. to 8:00 p.m.; and Thursday, 9:00 a.m. to 8:00 p.m., Eastern time Contact your medical claims administrator and select the option for UBH Call CVS/caremark at , 24 hours a day, seven days a week (Medicare-Eligible Coverage) Call SilverScript at , 24 hours a day, seven days a week Vision Coverage (Insight Network) Discount Programs (Non-Medicare-Eligible Coverage) Call EyeMed Vision Care at , Monday through Saturday, 7:30 a.m. to 11:00 p.m. and Sunday, 11:00 a.m. to 8:00 p.m., Eastern time UHC: Call UHC at Horizon: Call Horizon at Caregiver Assistance If you are a caregiver assisting a Pfizer retiree or eligible dependent with enrollment elections or navigating health care, you may require certain permissions and in some cases a power of attorney may be required in order to speak with hrsource on behalf of the retiree or dependent, even if you have a power of attorney on file with the claims administrator (UHC or Horizon). If so we can help. Just call the hrsource Center at ; Benefits Specialists will be available to assist you Monday through Friday from 8:30 a.m. to Midnight, Eastern time. If you are enrolled in either of the Pfizer-sponsored Medicare Advantage options you can also take advantage of the Solutions for Caregivers program offered by UHC as described on Page 9.

21 Your Resources 19 Important Documents Summary Plan Descriptions (SPDs) As always, refer to the summary plan description (SPD) for each plan for more detailed information. An SPD is a legally required document that gives plan participants the most important facts about a benefit plan. For example, an SPD provides details on plan eligibility and what services are and are not covered. SPDs for the Pfizer retiree health plans are available at in the Reference Library. Click the Health & Insurance section on the home page, and then next to your medical plan click Quick Links, and then Reference Library. Pfizer Zero Cost Prescription Drug List Please review the Pfizer Zero Cost Prescription Drug List (including Greenstone generics) and perhaps share it with your physician. Because these drugs are provided at no cost to you, your doctor may choose to prescribe a Pfizer branded drug, rather than one that will result in a cost to you. Please remind your doctor to indicate dispense as written or no generic substitution when a Pfizer drug is being prescribed to ensure you do not incur a cost. Legal Notices Booklet Please review the enclosed legal notices booklet. It provides details on many of your rights under your health care plans.

22 20 What to Expect in the Coming Months What to Expect in the Coming Months When Early October Oct , 2015 November December What A personal fact sheet with your 2016 options and costs will be mailed to you. During the 2016 Annual Enrollment period, you can make your 2016 elections by visiting the website at or by calling the hrsource Center at If you contact an hrsource Benefits Specialist to make a change to your medical coverage during the 2016 Annual Enrollment period, a confirmation statement will be mailed to you. If you enroll at you can print a copy of your enrollment confirmation. Post-Enrollment Materials and ID Cards, Invoices and Contributions If you enroll in any type of retiree coverage, an invoice for your January retiree contributions will be mailed to you (if your contributions are not automatically deducted from your pension). If your contributions are not deducted from your pension, remember to enroll in Automatic Bank Withdrawal (ABW) so your contributions are paid automatically, helping you avoid additional costs or delays in reinstating your coverage. Call the hrsource Center at to enroll by phone or to request that an enrollment form be mailed to you. You can enroll in ABW starting now, so be sure to enroll before Jan. 1, Additionally, if you are Non-Medicare-Eligible: You will receive a new ID card only if you made a change to your coverage. If You Are Medicare-Eligible: You will receive a new Medicare Advantage ID card for 2016 from UHC. Under Medicare Advantage, you receive a new ID card every year, whether or not you change your plan option. You may receive a Confirmation of Enrollment from hrsource if you made a change after the 2016 Annual Enrollment period. You will receive a SilverScript Welcome Kit and ID card. You may also receive new ID cards for 2016 and/or plan information from EyeMed if you make a change to your vision coverage for STAY CONNECTED WITH PFIZER PLUS! We want to make sure you stay informed about what s happening at Pfizer If you aren t already, we encourage you to consider becoming a member of Pfizer PLUS online. By joining, you will be able to keep up with the latest important retiree information through the PLUS e-newsletter. PLUS also keeps a database of local events, photos and an In Memoriam section. Think of PLUS as your online community. Join the Pfizer PLUS Community Corner on PLUS online at today. And don t forget to indicate that you would like to receive the monthly e-newsletter.