You MUST enroll to be covered!

Cooper University Health Care Your Open Enrollment Guide Instruction guide for health insurance coverage for you and your family in 2018 October 2017 2018 OPEN ENROLLMENT: OCTOBER 25 NOVEMBER 27, 2017 Dear Cooper Employee: Open Enrollment is the time when you can make changes to your current benefit elections for the 2018 plan year. We understand that these choices are important to you and your family. We have made every effort to offer excellent health benefits while keeping your premiums affordable. You MUST enroll to be covered! Open Enrollment will take place from Wednesday, October 25 through Monday, November 27, 2017. 2018 Program Highlights: This year is an active Open Enrollment. All current and newly hired employees must enroll online during

A Message from Beth Green October 2017 Dear Cooper Employee: Open Enrollment is the time when you can make changes to your current benefit elections for the 2018 plan year. We understand that these choices are important to you and your family. We have made every effort to offer excellent health benefits while keeping your premiums affordable. Open Enrollment will take place from Wednesday, October 25 through Monday, November 27, 2017. 2018 Program Highlights: This year is an active Open Enrollment. All current and newly hired employees must enroll online during Open Enrollment to have coverage or to drop coverage for 2018. Consistent with previous years, you must attest to being either a non-tobacco or tobacco user. Non-tobacco users enrolled in the Cooper Basic, Core or Standard PPO plans will receive a $25 discount per pay period a total cost savings up to $650 per year! Employee medical contributions will be increasing slightly, but at a rate lower than the national trend. There are no increases to Dental, Vision or Life Insurance premiums. Your Open Enrollment materials include the 2018 bi-weekly contributions for the medical, dental and vision plans. New for 2018: Anyone hired 1/1/2018 or thereafter cannot enroll a spouse in medical coverage if they are offered coverage through their employer. If you elect spousal coverage, you will be required to attest that your spouse does not have available coverage through their employer. New for 2018: AmeriHealth Administrators is introducing a new web portal. You MUST register on the web site to track claims, review benefit options or find a provider. To register, go to https://secure.healthx.com/myahatpa-cooper.aspx New for 2018: To protect you and your family, AmeriHealth Administrators will be issuing new identification cards that exclude any personally identifiable information. New for 2018: A new enhancement to the pharmacy benefit will be available to members effective January 1, 2018. The Smart90 Walgreen s Program allows 90 day maintenance fills from Walgreen s in addition to the Express Scripts mail-in option. Members will be allowed only 2 courtesy fills of long term medicines from a typical 30 day retail pharmacy. After two courtesy fills, members MUST use either Walgreen s Retail or Express Scripts mail in program for 90-day maintenance fills. The complete 2018 Benefits Highlights Booklet will be available online beginning October 25, 2017. You may access it through Employee Self-Service > My Benefits Tab > Benefit Handbook. This resource will provide you with the detailed information you need to select the plan that best meets your needs and your budget. If you need assistance with your enrollment, a human resources representative will be available at the locations and times listed on the back panel or contact a member of the Benefits Department at HRBenefits@cooperhealth.edu Beth Green Senior Vice President, Chief HR Officer

Get Ready. Be Prepared To ensure a seamless enrollment process, please complete the following steps: 1. Confirm your access to Employee Self-Service (ESS): Log on to the ESS, either from work or home, and enter your User ID and Password. If you need a new password, please contact the Cooper IT Help desk at 1-856-968-7166.. 2. Verify your contact information: Log on to ESS and verify that your address is correct. If you need to update any information, use the My Address Change tab to make corrections. 3. Verify Your Dependents and Gather the Required Documents: If you want to continue covering or add additional dependents for 2018, review dependent eligibility rules in the 2018 Benefits Highlight Booklet. Log on to the ESS>My Benefits> Benefit Handbook. If you are adding dependents during open Enrollment, you will need to gather the following documentation: - Spouse: Marriage certificate or the 1 st page of your 1040 tax return (conceal social security numbers and financial information) - Dependent Child (ren): Birth certificate or the 1 st page of your 1040 tax return - Domestic/Civil Union Partner: Domestic/civil union license or domestic partnership certificate from NJ 4. Review your current 2017 benefits and determine if these benefit elections are right for you and your family in 2018: Log on to the ESS> My Benefits> Review the 2018 Benefits Highlights Booklet to review all benefits offered during Open Enrollment. Example: If your dependent needs braces or if you need new glasses or contact lenses in 2018, you may consider enrolling in a Flexible Spending Account to pay for the out-of-pocket cost with pre-tax dollars.

Get Set. Be Informed Your Action is Required During Open Enrollment: 1. You must attest if you are a Non-Tobacco User or a Tobacco User. 2. You MUST select a health insurance plan or waive coverage. If you do not take any action, you will automatically be defaulted as a tobacco user and will be enrolled in the Cooper Core Health Plan, Employee Only coverage. 3. You must re-enroll in a Flexible Spending Account in order to save money by using pre-tax dollars. If you had a Flexible Spending Account in 2017, you MUST select a new amount for 2018 during Open Enrollment. 4. Upon completing your enrollment, print your confirmation statement. 5. Attend a Benefits Fair; meet our plan vendors and the Human Resources Benefits Team. If you need assistance with enrolling, come visit us at an Enrollment Session. If you need assistance to enroll, come visit us at an Enrollment Session when Open Enrollment begins on Wednesday October 25, 2017. Questions During Open Enrollment Call the BeneService Member Advocacy Program at 1-800-563-9929. Access a benefits specialist 24/7 when you need help resolving enrollment questions, claims issues, finding providers, knowing how your plans work and much more. Email an HR Benefits representative at HRBenefits@cooperhealth.edu

Enroll! Open Enrollment: October 25 - November 27, 2017 Open Enrollment: October 25 November 27, 2017 Enroll online through Employee Self-Service (ESS) Logging in is FAST and EASY! From Work From Home On the Cooper Employee Portal, click on the Employee Self Service and Requisition (Lawson link under the Frequently Used Links on the left side of your screen. On a private computer, type this entire location into your internet browser address: https://cuhprd10portal.cooperhealth.edu/lawson/portal I Enter your User ID and Password - User ID: last name, hyphen, first name (e.g. smith-anne) in all lowercase letters - Password: your network password provided by Cooper IT in all lowercase letters If you have lost or forgotten your ESS user ID and/or password, or have trouble logging on, please contact the Cooper IT Help Desk at 1-856-968-7166. Enroll 1. Select, Open Enrollment from the menu on the left. 2. Click Enroll in 2018 Benefits from the menu. 3. Follow the easy steps to enroll and you re done! 4. Complete the enrollment process by clicking Continue. 5. Print your confirmation statement for your records.

2018 Benefits Fair Schedule Location Date and Time Cooper - Hospital Wednesday October 25 1 Cooper Plaza 10 th Floor Pavilion P1014 7am 4pm Voorhees Thursday November 2 900 Centennial Blvd. Clock Tower Lobby 8am 3pm Cooper CCBO Wednesday November 8 1 Federal Street L3 Bldg. 7am 3pm Auditorium Mt. Laurel Tuesday November 14 501 Fellowship Road 8am 1pm Digestive Health - Lunchroom - - 2018 Enrollment Sessions Location Date and Time Thorofare Monday October 30 196 Grove Avenue 10am 11:30am West Deptford Monday October 30 800 Jessup Road 12pm 1pm Sewell Monday October 30 400 Medical Drive Center 2pm 3pm Pennsville Monday October 30 390 N. Broadway 3:30pm 4pm Cooper CCBO Monday November 6 1 Federal Street L3 Bldg. 8:30am 11:30am Cooper - Hospital Tuesday November 7 Kelemen 2 nd Floor Conf Rm B 7am-3:30pm Cooper Hospital Wednesday November 15 2 nd Floor Cafeteria Exit 6am 11am Willingboro Friday November 17 218 Sunset Blvd. 9am 12pm Cooper Hospital Tuesday November 21 2 nd Floor Cafeteria Exit 6am 11am Cooper Hospital Friday November 24 2 nd Floor Cafeteria Exit 11am 4pm Cooper Hospital Monday November 27 2 nd Floor Cafeteria Exit 11am 4pm