YOU AND THE 2019 CONSUMER DRIVEN HEALTH PLAN (CDHP)

YOU AND THE 2019 CONSUMER DRIVEN HEALTH PLAN (CDHP)

The Consumer Driven Health Plan (CDHP), coupled with a Health Savings Account (HSA), is an innovative health plan that helps to reduce healthcare costs. By allowing you to shop around for the medical services and providers that are best for you, this type of plan puts you in charge of your healthcare dollars. Key Features 100% preventive and wellness care coverage with in-network providers. Certain preventive prescriptions for just a copayment, with a waived deductible. All qualified employee-paid medical plan expenses count toward the deductible and out-of-pocket maximum.

YOUR HEALTH SAVINGS ACCOUNT (HSA) An HSA lets you spend tax-free money on qualified medical expenses for you and your family. The sooner you enroll and contribute to an HSA, the sooner you will be on your way to a more secure future! Eligibility You are eligible to open and fund an HSA if: You are enrolled in an HSA-eligible Consumer Driven Health Plan (CDHP). You are not covered by your spouse s health plan, healthcare flexible spending account or health reimbursement account. You are not eligible to be claimed as a dependent on someone else s tax return. You are not enrolled in Medicare or TRICARE for Life insurance. You have not received Department of Veterans Affairs benefits. Highlights 2019 HOLLYFRONTIER CONTRIBUTIONS Employee Only Employee + Dependent(s) $1,000/year $2,000/year You can also contribute to the account through pre-tax payroll deductions, up to the annual maximum contribution mandated by the IRS. 2019 IRS MAXIMUM CONTRIBUTIONS Employee Only $3,500 Employee + Dependent(s) $7,000 Employees over age 55 may contribute an additional $1,000 for 2019. Funds withdrawn from your HSA to pay qualified medical expenses are tax-free. Your balance grows with tax-free interest and HSA Bank offers investment opportunities that also grow tax-free. Any unused funds in your HSA roll over from year to year. Your HSA can be used for your expenses and those of your spouse and/or dependent(s), even if they are not covered by the CDHP. Your HSA is portable. If you leave HollyFrontier or retire, your account and its balance goes with you.

How the CDHP Works IN-NETWORK OUT-OF-NETWORK 1 ANNUAL DEDUCTIBLE Employee Only $1,350 $2,700 Family $2,700 $5,400 OUT OF POCKET MAXIMUM (INCLUDES DEDUCTIBLE) COINSURANCE Employee Only $2,500 $5,000 Family $5,000 $10,000 Specialist Services 20%* 40%* Preventive Care 100% 2 Not Covered Urgent Care 20%* 40%* Outpatient Surgery 20%* 40%* PRESCRIPTION DRUGS Preventive Medication 3 IN NETWORK $10/$20/$35 Copays 100% after Copays All Other Drugs 20%* Remember Using an in-network provider lowers your out-of-pocket costs. Providers in your network have agreed to charge lower fees and your Plan s in-network services cover a larger share of the charges. Catch-Up Contributions Individuals age 55 and older may make an additional $1,000 annual contribution to their HSA, which is called a catch-up contribution. *After deductible 1 Out of network charges are paid at Reasonable and Customary rates. In addition to being responsible for payment of your out of network deductible, you are responsible for any charges over and above what is considered Reasonable and Customary. 2 Preventive care is covered at 100% in network only. Out of network preventive care is not covered. 3 Preventive medication is defined as drugs listed on the U.S. Preventive Services Task Force List, as administered by Blue Cross Blue Shield of Texas. HSA catch-up contributions can be deposited anytime in the year which you turn 55.

Example Rich elects the CDHP option and chooses Family coverage This is Rich and his family Rich protects his family with insurance on HollyFrontier s consumer driven health plan. This year, he decides to open a health savings account. His Plan In-Network Deductible: $2,700 Out-Of-Pocket: $5,000 HSA Contribution Limit: $7,000 IN-NETWORK OUT-OF-NETWORK Health Plan Pays 80% 60% Rich Pays 20% 40% Preventive Care Pharmacy Coverage 100% Covered Not Covered Subject to Deductible (Waived for Preventive Medications) HollyFrontier contributes $2,000 to his HSA, and he decides to contribute $5,000 to his health savings account to use for eligible medical expenses. The combined HSA account total is $7,000. Rich and his family only visit doctors in their network, ending up with $4,000 in medical expenses for the year. Because his deductible is $2,700, Rich s plan will cover 80% of the remaining $1,300. Rich chooses to reimburse himself the $2,700 deductible and the $260 coinsurance from his HSA account. At the end of 2019, Rich has $4,040 remaining in his HSA for future medical costs.

2828 N. Harwood Suite 1300 Dallas, TX 75201 You and the 2019 Consumer Driven Health Plan (CDHP)