Have Questions? We Have Answers

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1 Have Questions? We Have Answers Your 2018 Annual Enrollment Checklist QUESTIONS ABOUT: This is your annual opportunity to ensure you and your family have the benefits coverage you need. Don t miss out be sure to enroll through Workday between November 13 and November 30, 2017! Medical and Dental Election Guidance QUESTIONS? Contact HR Link at or . LEARN PREPARE Read your enrollment materials and attend an enrollment meeting with an HR Link representative. VISIT: BorgWarner One Guide Team: General Benefit and Enrollment Questions HR Link: Health Coaching and Care Management Cigna Customer Service Line (Personal Health Team): Cigna Customer Service Line: Watch the BorgWarner benefits videos at. Cigna Claims (Medical, Prescription Drug, Dental, FSAs) Review your current elections in Workday and decide on changes based on your upcoming needs. Telehealth MDLIVE MDLIVEforCigna.com Amwell AmwellforCigna.com Direct Path: Cigna Nurse Line: TEL-DRUG ( ) Cigna: Disability Cigna: Life Insurance and AD&D MetLife: Critical Illness Allstate: Vanguard: Compare your BorgWarner plan options against any spouse coverage to determine which plans will best meet your needs and budget. Gather information. If adding dependents to your coverage, have their birthdates, Social Security numbers and required eligibility verification documents (such as a marriage or birth certificate) available so you can submit them to HR Link. ENROLL CALL: Log in to Workday. Go to and click on the Workday logo. Make 2018 enrollment elections. Go to your Inbox and click on Open Enrollment. Healthcare Rewards Program 24-hour Nurse Line Mail-Order Prescriptions Retirement Savings Plan (RSP) Review and confirm your dependents have been added to each benefit in which you want them to be enrolled. See the 2018 Online Enrollment Instructions for added guidance. Double-check your elected or waived coverages before submitting your enrollment. (Think of this as important as reviewing your tax return before you send it to the IRS. Is medical elected? Dental? Are dependents attached to the plans you want them enrolled in?) Your Benefits Information Is Just a Click Away Whether you are at work or home, check out our employee benefits website to: Submit your enrollment and submit any required dependent eligibility verification documentation to HR Link. Access enrollment materials, wellness forms and various notices Learn about your benefits and how they work Questions? Don t Lose Coverage If you don t enroll or elect to waive coverage by November 30, 2017, your dependents will no longer have benefits coverage. In addition, BorgWarner is required by law to enroll you in default coverage, shown to the right. Your next opportunity to change elections from default coverage will be November 2018 (or if you have a qualified family status change), so choose wisely and enroll! Plan Your Default Coverage Medical Basic Medical Plan (Employee-Only Coverage) Dental Flexible Spending Accounts (FSAs) Long Term Disability Same as 2017 election Life Insurance Basic Life Critical Illness Insurance Voluntary AD&D Find out how the Cigna Personal Health Team can support you and Access Workday to enroll and manage your benefits , And more Watch helpful videos about BorgWarner benefits and wellness programs by using the barcode app on your smartphone to scan this code: your family Contact HR Link at or Watch This! Don t have access to a computer? Want printed copies of materials? Please contact HR Link. Or, view the videos online: About this Brochure: This 2018 Benefits Open Enrollment Highlights Brochure serves as a Summary of Materials Modification (SMM) for the BorgWarner Flexible Benefits Plan. Changes are effective January 1, Details of these plans and programs can be found in the 2018 Benefits Reference Guide and the Summary Plan Descriptions, available online at:. This document is a summary of your benefits and does not create a contract of employment between BorgWarner and any employee. 1017

2 Have Questions? We Have Answers Your 2018 Annual Enrollment Checklist QUESTIONS ABOUT: This is your annual opportunity to ensure you and your family have the benefits coverage you need. Don t miss out be sure to enroll through Workday between November 13 and November 30, 2017! Medical and Dental Election Guidance QUESTIONS? Contact HR Link at or . LEARN PREPARE Read your enrollment materials and attend an enrollment meeting with an HR Link representative. VISIT: BorgWarner One Guide Team: General Benefit and Enrollment Questions HR Link: Health Coaching and Care Management Cigna Customer Service Line (Personal Health Team): Cigna Customer Service Line: Watch the BorgWarner benefits videos at. Cigna Claims (Medical, Prescription Drug, Dental, FSAs) Review your current elections in Workday and decide on changes based on your upcoming needs. Telehealth MDLIVE MDLIVEforCigna.com Amwell AmwellforCigna.com Direct Path: Cigna Nurse Line: TEL-DRUG ( ) Cigna: Disability Cigna: Life Insurance and AD&D MetLife: Critical Illness Allstate: Vanguard: Compare your BorgWarner plan options against any spouse coverage to determine which plans will best meet your needs and budget. Gather information. If adding dependents to your coverage, have their birthdates, Social Security numbers and required eligibility verification documents (such as a marriage or birth certificate) available so you can submit them to HR Link. ENROLL CALL: Log in to Workday. Go to and click on the Workday logo. Make 2018 enrollment elections. Go to your Inbox and click on Open Enrollment. Healthcare Rewards Program 24-hour Nurse Line Mail-Order Prescriptions Retirement Savings Plan (RSP) Review and confirm your dependents have been added to each benefit in which you want them to be enrolled. See the 2018 Online Enrollment Instructions for added guidance. Double-check your elected or waived coverages before submitting your enrollment. (Think of this as important as reviewing your tax return before you send it to the IRS. Is medical elected? Dental? Are dependents attached to the plans you want them enrolled in?) Your Benefits Information Is Just a Click Away Whether you are at work or home, check out our employee benefits website to: Submit your enrollment and submit any required dependent eligibility verification documentation to HR Link. Access enrollment materials, wellness forms and various notices Learn about your benefits and how they work Questions? Don t Lose Coverage If you don t enroll or elect to waive coverage by November 30, 2017, your dependents will no longer have benefits coverage. In addition, BorgWarner is required by law to enroll you in default coverage, shown to the right. Your next opportunity to change elections from default coverage will be November 2018 (or if you have a qualified family status change), so choose wisely and enroll! Plan Your Default Coverage Medical Basic Medical Plan (Employee-Only Coverage) Dental Flexible Spending Accounts (FSAs) Long Term Disability Same as 2017 election Life Insurance Basic Life Critical Illness Insurance Voluntary AD&D Find out how the Cigna Personal Health Team can support you and Access Workday to enroll and manage your benefits , And more Watch helpful videos about BorgWarner benefits and wellness programs by using the barcode app on your smartphone to scan this code: your family Contact HR Link at or Watch This! Don t have access to a computer? Want printed copies of materials? Please contact HR Link. Or, view the videos online: About this Brochure: This 2018 Benefits Open Enrollment Highlights Brochure serves as a Summary of Materials Modification (SMM) for the BorgWarner Flexible Benefits Plan. Changes are effective January 1, Details of these plans and programs can be found in the 2018 Benefits Reference Guide and the Summary Plan Descriptions, available online at:. This document is a summary of your benefits and does not create a contract of employment between BorgWarner and any employee. 1017

3 What s New for 2018 (Effective January 1, 2018) Dental Health Now Part of the Shift into Better Health Premium Incentive Program Tobacco Cessation Update New Spousal Surcharge Requirement Research shows the growing importance of good dental hygiene and its effect on the heart and overall health. That s why BorgWarner has updated its premium discounts to incentivize you for good dental health. You can now earn a premium discount point for completing a dental preventive visit. Keep in mind, the BorgWarner dental plan pays 100% of a preventive visit, which includes an exam, cleaning and bitewing X-rays. This discount point replaces the current tobacco-free discount point. Although the premium discount for living a tobacco-free lifestyle is being replaced with dental preventive care, BorgWarner still supports a tobacco-free lifestyle through its $100 reward for completion of the Cigna Tobacco Cessation program. If your spouse is covered under a BorgWarner medical plan, he or she will need to complete an additional activity to avoid paying the $100 monthly surcharge. In addition to completing the Cigna HRQ (within 60 days if new to the plan), your spouse also will need to complete one or more of the following preventive visits by Oct. 31, 2018: Preventive annual physical (with their Primary Care Physician or OB/GYN) Preventive colon cancer screening (age 50+) Preventive mammogram (age 40+) Cigna will apply credit through claims data. Spouses with BorgWarner secondary medical coverage may submit a qualifying preventive visit/screening EOB directly to Cigna to meet this qualification. Enhanced Autism Benefit Coverage New Diabetes Care Management Benefit Pharmacy Updates Employee Contributions and Out-of-Pocket Maximums Applied Behavior Analysis (ABA) therapy for an autism diagnosis has been added to both the Basic and Buy-Up medical plans. In addition, age and day limits for Short Term Therapy (STR) have been removed. Medical necessity is the only criteria applied for the number for physical therapy, speech therapy and occupational therapy visits for the treatment of autism. LIVONGO is a new benefit available to employees and their dependents who are enrolled in a BorgWarner medical plan and who have been diagnosed with Type I or Type II diabetes. This benefit includes unlimited lancets, testing strips and a glucose meter, along with comprehensive diabetes care management support all covered at 100%. Details about LIVONGO will be available during open enrollment meetings. With the implementation of the Livongo diabetes care management benefit, diabetic supplies are now subject to copays as outlined in the 2018 Benefits Reference Guide. Employee contribution rates for medical and vision coverage are changing for The dental contribution rates, however, will remain the same. Refer to the next page for details. Medical out-of-pocket maximums will be adjusted to comply with 2018 federal mandates. For details, refer to the 2018 Benefits Reference Guide posted at Key Dates Early November November 13 - November 30, 2017 January 1, 2018 Onsite employee enrollment meetings Online enrollment period 2018 benefit elections are effective; check coverage through

4 2018 Employee Contribution Rates Medical Coverage You can continue to earn a $0 contribution plan under the BASIC PLAN by earning 5 or more points through the Shift Into Better Health Premium Incentive Program. Points Earned by Oct. 31, Basic Plan Premium % 20% 15% 10% 0% Your Monthly Contribution Employee Employee+1 Family $ $ $ $ $ $ $ $ $ $ 0.00 $ 0.00 $ 0.00 Points Earned by Oct. 31, Buy Up Plan Premium % 25% 20% 15% 10% Your Monthly Contribution Employee Employee+1 Family $ $ $ $ $ $ $ $ $ $ $ $ Dental Coverage No increase for 2018! Coverage Monthly Coverage Levels/Contribution Levels Deductible Annual Maximum (including Preventive, Basic and Major only) Preventive and Diagnostic Two routine exams, cleanings and bitewing X-rays per year. One set of full-mouth X-rays every three years. Basic Restorative Fillings, root canals, denture adjustments and repairs and surgery. Major Restorative Replacement of existing dentures or bridgework once every five years. Surgical Extractions of Impacted Teeth Orthodontia TMJ Non-surgical treatment only. Dental Implants** *Lifetime maximum is per person. **Must be authorized as medically necessary. Employee = $12 Employee + 1 = $24 Family = $33 $50 per person / $200 per family $1,500 to $3,000 (depending on Cigna Wellness Plus reward earnings; see details to the right) 100%; no deductible 80% after deductible 50% after deductible 80% after deductible/no maximum 50% after deductible $1,250 lifetime maximum* 80% after deductible $1,000 lifetime maximum* 50% after deductible $1,500 annual maximum* Monthly Coverage Employee = $3.45 Levels/Contribution Levels Employee + 1 = $7.90 Family = $9.90 Exam Once a year Single Lenses+ Bifocal Lenses+ Trifocal Lenses+ Lenticular Lenses+ Frames++ Contacts+ In-Network $10 copay $100 allowance $100 allowance Out-of-Network $40 maximum $40 maximum $45 maximum $50 maximum Not covered $30 allowance $60 allowance + Covers one pair of eyeglass lenses or contact lenses every 12 months. ++ Covers eyeglass frames every 24 months.

5 Telehealth Connection: Health Care That s Just a Call or Click Away As part of Cigna s medical plan benefits, Telehealth Connection provides confidential, round-the-clock access to national, board-certified doctors from Amwell and MDLIVE via secure video chat or over the phone. Telehealth doctors can diagnose, treat and prescribe medication, if necessary, for a variety of acute health issues. Telehealth Fast Facts Gain access to a national network of licensed, board-certified U.S.-based doctors, including pediatricians Talk with a doctor anytime day or night via phone or video conferencing to discuss any minor, non-life-threatening medical conditions. Mental health/substance abuse therapy or medication management through video-based services at no additional cost. Your out-of-pocket cost is the same or less than a visit with your primary care provider. Register Today It s Easy! TAKE ACTION Set up an account with one or both of our trusted Telehealth partners: Amwell MDLIVE Online: AmwellforCigna.com MDLIVEforCigna.com Phone: Complete a medical history using their virtual clipboard. Download mobile apps to your smartphone/mobile device. Meet the Amwell and MDLIVE Doctors! Benefit Help: At Your Fingertips and the mycigna mobile app This is your one-stop shop for benefit information, resources and tools. Through this site you can: Find doctors. View claims information. Take your HRQ right on your smartphone, tablet, laptop or desktop. On the go? Most of this information (except the HRQ) also can be accessed anytime, anywhere using Cigna s handy mobile app. NEW! Get Personalized Support: Cigna One Guide Service As a Cigna member, you gain access to specially trained, knowledgeable and empathetic advisors who are there for you during the moments that matter whether it s when you re choosing your plan, looking to improve your health and health care costs, or working your way back to health. Call to get started.

6 Have Questions? We Have Answers Your 2018 Annual Enrollment Checklist QUESTIONS ABOUT: This is your annual opportunity to ensure you and your family have the benefits coverage you need. Don t miss out be sure to enroll through Workday between November 13 and November 30, 2017! Medical and Dental Election Guidance QUESTIONS? Contact HR Link at or . LEARN PREPARE Read your enrollment materials and attend an enrollment meeting with an HR Link representative. VISIT: BorgWarner One Guide Team: General Benefit and Enrollment Questions HR Link: Health Coaching and Care Management Cigna Customer Service Line (Personal Health Team): Cigna Customer Service Line: Watch the BorgWarner benefits videos at. Cigna Claims (Medical, Prescription Drug, Dental, FSAs) Review your current elections in Workday and decide on changes based on your upcoming needs. Telehealth MDLIVE MDLIVEforCigna.com Amwell AmwellforCigna.com Direct Path: Cigna Nurse Line: TEL-DRUG ( ) Cigna: Disability Cigna: Life Insurance and AD&D MetLife: Critical Illness Allstate: Vanguard: Compare your BorgWarner plan options against any spouse coverage to determine which plans will best meet your needs and budget. Gather information. If adding dependents to your coverage, have their birthdates, Social Security numbers and required eligibility verification documents (such as a marriage or birth certificate) available so you can submit them to HR Link. ENROLL CALL: Log in to Workday. Go to and click on the Workday logo. Make 2018 enrollment elections. Go to your Inbox and click on Open Enrollment. Healthcare Rewards Program 24-hour Nurse Line Mail-Order Prescriptions Retirement Savings Plan (RSP) Review and confirm your dependents have been added to each benefit in which you want them to be enrolled. See the 2018 Online Enrollment Instructions for added guidance. Double-check your elected or waived coverages before submitting your enrollment. (Think of this as important as reviewing your tax return before you send it to the IRS. Is medical elected? Dental? Are dependents attached to the plans you want them enrolled in?) Your Benefits Information Is Just a Click Away Whether you are at work or home, check out our employee benefits website to: Submit your enrollment and submit any required dependent eligibility verification documentation to HR Link. Access enrollment materials, wellness forms and various notices Learn about your benefits and how they work Questions? Don t Lose Coverage If you don t enroll or elect to waive coverage by November 30, 2017, your dependents will no longer have benefits coverage. In addition, BorgWarner is required by law to enroll you in default coverage, shown to the right. Your next opportunity to change elections from default coverage will be November 2018 (or if you have a qualified family status change), so choose wisely and enroll! Plan Your Default Coverage Medical Basic Medical Plan (Employee-Only Coverage) Dental Flexible Spending Accounts (FSAs) Long Term Disability Same as 2017 election Life Insurance Basic Life Critical Illness Insurance Voluntary AD&D Find out how the Cigna Personal Health Team can support you and Access Workday to enroll and manage your benefits , And more Watch helpful videos about BorgWarner benefits and wellness programs by using the barcode app on your smartphone to scan this code: your family Contact HR Link at or Watch This! Don t have access to a computer? Want printed copies of materials? Please contact HR Link. Or, view the videos online: About this Brochure: This 2018 Benefits Open Enrollment Highlights Brochure serves as a Summary of Materials Modification (SMM) for the BorgWarner Flexible Benefits Plan. Changes are effective January 1, Details of these plans and programs can be found in the 2018 Benefits Reference Guide and the Summary Plan Descriptions, available online at:. This document is a summary of your benefits and does not create a contract of employment between BorgWarner and any employee. 1017