2016 Benefits Guide. ThinkSmart. PlanAhead

Transcription

1 2016 Beefits Guide ThikSmart. PlaAhead Revised: 10/9/2015

2 Usig Your Guide Aswers to your beefit questios throughout the year Decisio tool durig Ope Erollmet Quick referece for beefit cotacts Table of Cotets Your Beefits, Your Decisios Beefits at a Glace Who Is Eligible for Beefits? Beefits Erollmet Medical Beefits Prescriptio Drug Beefits Your Cotributios for Medical ad Prescriptio Drug Coverage Visio Beefits Detal Beefits Fit & Well LifeWorks Employee Assistace Program (EAP) /7 Nurselie or Medical Advice Lie Flexible Spedig Accouts Parkig ad Trasit Beefits Icome Protectio Beefits AARP Employees 401(k) Pla AARP Puerto Rico Employees 1165(e) Pla AARP Employees Pesio Pla Retiree Health Beefits Volutary Employee Beefits Paid Time Away from Work Caregivig ad Additioal Beefits Olie Resources More Iformatio Cotacts Back Cover Sapshot of Guide Updates Employee cotributios for health, detal ad visio coverage. Additio of Trasgeder beefits to the UitedHealthcare Stadard Pla, High Pla ad Idemity Pla. If you ited to eroll your eligible depedets ito a AARP beefits pla for the first time, you must first supply documetatio to support your depedet s relatioship status. Examples of this documetatio may iclude, but are ot limited to marriage certificates, birth certificates or court ordered guardiaship support documets. Revised: 10/9/2015

3 Your Beefits, Your Decisios AARP is committed to providig a flexible, comprehesive beefits package for our employees. Each year, you have the opportuity to select the beefits such as medical, detal, visio, life isurace, ad pre-tax trasit ad parkig that make the most sese for you (ad your family). New Hires Must eroll i or waive beefits via Employee Self Service by the ed of your first day at AARP. You must supply documetatio to support your depedet s relatioship status if you ited to eroll them i ay of AARP s beefit plas. All Employees Re-evaluate your beefit coverage each year durig Ope Erollmet to esure your selectios are still right for you (ad your family). Take a active part i your beefits; customize the beefit offerigs to meet your idividual eeds. AARP provides the choices; you make the decisios. Read this guide to uderstad basic iformatio about your beefits. Lear more about your AARP plas through IfoNet beefit overviews ad Summary of Beefits ad Coverages. Use the iformatio, resources, tools, ad programs available o your beefit carriers websites throughout the year. Kow your beefits offerigs reiforce idividual health accoutability, promote healthy behaviors ad prevetive care, ad provide lifestyle maagemet optios. Call a carrier/vedor directly before you receive service, a treatmet, or test if you have questios or are usure about your coverage. Examie your explaatio of beefits ad claims iformatio to esure idicated services delivered are accurate ad call your carrier with discrepacies or questios. ThikSmart, your actios cout i maagig curret ad future costs. Take resposibility for your (ad your family s) health ad welless. Icrease healthy behaviors such as physical activity, healthier eatig, usig medicatios wisely, maitaiig your brai health, ad followig through o treatmet your doctor prescribes. Do t Short Chage Yourself People sped eight hours researchig a auto purchase or five hours plaig a vacatio... but less tha a hour makig beefit decisios! Make time to gather ifo, compare optios, ad cotemplate your beefits. Make iformed beefit decisios. See IfoNet for additioal iformatio ad the Summary of Beefits ad Coverages which compare plas o a uiform basis. Revised: 10/9/2015 1

4 Beefits at a Glace Pla Your Choices Quick Look Medical ad Prescriptio Drug UitedHealthcare Ope Access Poit-of-Service (POS)/PPO. - High (90% i-etwork pla). - Stadard (80% i-etwork pla). UitedHealthcare Idemity/ Out-of-Area (limited locatios). Kaiser HMO (Mid-Atlatic ad Califoria). Waive. Employees share i the cost of coverage through pre-tax (post tax for domestic parter portio) cotributios. Comprehesive medical coverage available for employee, spouse/aarp registered domestic parter, ad/or depedet childre. Prescriptio drug beefits are icluded i your medical pla coverage. Beefits available for geeric drugs, preferred brad-ame drugs ad o-preferred brad ame drugs. Beefits iclude pharmacy ad home delivery optios. Visio Visio. Waive. Admiistratio: Visio Service Pla (VSP). Employees share i the cost of coverage through pre-tax (post tax for domestic parter portio) cotributios. Visio coverage is available for employee, spouse/aarp registered domestic parter, ad/or depedet childre. Choose i-etwork or out-of-etwork providers. Icludes services for eye exams, leses, frames, ad cotact leses. Detal Health Care Flexible Spedig Accout Detal. Waive. Admiistratio: Delta Detal. Set-aside up to $2,500 aually. Waive. Admiistratio: WageWorks. Employees share i the cost of coverage through pre-tax (post tax for domestic parter portio) cotributios. Detal coverage is available for employee, spouse/aarp registered domestic parter, ad/or depedet childre. Choose i-etwork or out-of-etwork detists. Icludes coverage for prevetive ad diagostic care, basic ad major restorative care ad orthodotia (child ad adult). Out-of-pocket expeses based o i- vs. out-of etwork choice. Paid by employee, pre-tax. Set aside up to $2,500 i pre-tax earigs aually. To pay for eligible medical, detal, prescriptio ad/or visio expeses that are ot covered uder a health pla for employee, spouse, ad/or depedets. Domestic parter expeses ot eligible, uless also your tax depedet. Available eve if AARP medical, detal ad/or visio are waived. IRS regulated, see IRS Publicatio 502. Depedet Care Flexible Spedig Accout Set-aside up to $5,000 aually. Waive. Admiistratio: WageWorks. Paid by employee, pre-tax To pay for eligible depedet day care ad elder care expeses icurred while employee ad spouse are at work, or employee is at work ad spouse atteds school full-time or is disabled. IRS regulated, see IRS Publicatio 503. Employee Basic Life / Accidetal Death ad Persoal Loss Employee Supplemetal Life Spouse/AARP Registered Domestic Parter Life Depedet Child Life Busiess Travel Accidet Automatic, o actio required. 1.5 times your aual salary, maximum coverage of $500,000. Admiistratio: Aeta. Up to $500,000. Waive. Admiistratio: Aeta. Up to $100,000. Waive. Admiistratio: Aeta. $10,000 coverage for each eligible child. Waive. Admiistratio: Aeta. Automatic, o actio required. Admiistratio: AARP Risk Maagemet. Fully paid by AARP. Beeficiary desigatio form must be completed by employees ad set to Aeta. Paid by employee, post-tax. Cotributios based o employee age ad coverage amout. Paid by employee, post-tax. Cotributios based o age of spouse/aarp registered domestic parter ad coverage amout. Paid by employee, post-tax. Cotributios per moth are the same regardless of the umber of childre covered. Fully paid by AARP. Provides employee-oly coverage for accidetal death or dismembermet occurrig while travelig o AARP-related busiess. 2 Revised: 10/9/2015

5 Pla Your Choices Quick Look Short-Term Disability (STD) Log-Term Disability (LTD) Automatic, o actio required. Admiistratio: Aeta. Automatic, o actio required. Admiistratio: Aeta. Fully paid by AARP. Protects icome i the evet a sickess or ijury prevets employee from workig for a period, up to a maximum of six moths. Approved STD leave pays weekly beefit, after elimiatio period is satisfied, of the lesser of 2/3 of weekly salary or $3,462. Fully paid by AARP. Pays beefits if employee is out of work due to a approved disability for more tha six moths. Approved LTD leave pays mothly beefit, after the elimiatio period is satisfied, of the lesser of 2/3 of mothly salary; or $15,000. Must be regularly scheduled to work at least hours a week. Parkig Beefit Set aside up to the IRS mothly limit. Admiistratio: WageWorks. Trasit Beefit Set aside up to the IRS mothly limit. Admiistratio: WageWorks. Paid by employee, pre-tax/post-tax. To pay for work-related parkig expeses. Paid by employee, pre-tax/post-tax. To pay for work-related mass trasit expeses. AARP Employees 401(k) Pla AARP Puerto Rico Employees 1165(e) Pla AARP Employees Pesio Pla Cotribute pre-tax 1% to 50% of eligible pay, subject to IRS limits. Cotribute pre-tax catch up cotributios for age 50 ad older. See IfoNet for aual limits. Admiistratio: T. Rowe Price. Cotribute pre-tax 1% to 50% of eligible pay, subject to Departmet of Treasury of Puerto Rico limits. Cotribute pre-tax catch up cotributios for age 50 ad older. See IfoNet for aual limits. Admiistratio: Baco Popular. Participatio automatic, o actio required. Admiistratio: T. Rowe Price. Combiatio employee ad AARP cotributios. AARP match 100% of pre-tax cotributios up to 3% of eligible pay, plus 50% of pre-tax cotributios o the ext 2% of eligible pay. Matchig cotributios immediately 100% vested. Employee savigs ad matchig cotributios are portable. Combiatio employee ad AARP cotributios. AARP match 100% of pre-tax cotributios up to 3% of eligible pay, plus 50% of pre-tax cotributios o the ext 2% of eligible pay. Matchig cotributios immediately 100% vested. Employee savigs ad matchig cotributios are portable. Fully paid by AARP. Employees eligible to participate i the defied beefit pesio pla as of the Jauary 1 or July 1 followig first aiversary of date of hire, if employee completes at least 1,000 hours of service by aiversary date. 100% vested after five years of credited service. Formula calculates beefit at retiremet based o service ad pay. Retiree Health Pla Medical, prescriptio drug, ad visio coverage (Post 65 Oly) Admiistratio: UitedHealthcare ad Kaiser. Combiatio employee ad AARP cotributios. Available prior to age 65 ad/or at age 65. Eligibility based o status at time of termiatio/loss of coverage as a active employee. Legal Services Pla Volutary Beefit. Admiistratio: Legal Resources. Paid by employee, post-tax. Get advice, cosultatio, ad court room represetatio. Miimum oe year erollmet. Log-Term Care Volutary Beefit. Admiistratio: Geworth Life. Paid by employee, post-tax, directly to carrier. Coverage whe someoe is uable to care for themselves o their ow ad requires help doig the Activities of Daily Livig. Coverage for employees ad spouses/aarp registered domestic parters. If eroll withi 90 days of hire date employee may ot be subject to EOI. Employee parets, step parets, gradparets, step gradparets, i-laws, retirees (vested uder the AARP Employees Pesio Pla), ad retiree spouses/aarp registered domestic parters may be eligible. Employee Assistace Program Automatic, o actio required. Cofidetial cosultatio ad referral service. Admiistratio: Ceridia Lifeworks. Fully paid by AARP. Coverage for employee, spouse, domestic parter ad ay household members. Revised: 10/9/2015 3

6 Who is Eligible for Beefits? Thik Smart... It is importat to esure that you (ad your family) have the coverage you eed whe you eed it most. Pla Ahead... Because we all have differet eeds, AARP offers you a choice of beefits to fit your lifestyle. From medical plas to life isurace, you select the programs ad beefit levels that meet your eeds. Employees You are eligible for beefits if you are a full-time employee regularly scheduled to work forty hours a week. Part-time employees must work at least 21 hours per week or at least 14 hours per week i a approved job share arragemet. To be eligible for Log-Term Disability, you must be regularly scheduled to work at least hours per week. Depedets Medical, Visio, Detal, ad/or Life Isurace If you are eligible, your spouse, AARP registered domestic parter, ad childre are eligible. Childre are eligible for coverage util the ed of the moth i which they tur age 26. They must be your biological, adopted, or step-childre; the child of your AARP registered domestic parter; or childre for whom you have bee grated guardiaship by a court order. Your child does ot have to be a studet, a depedet for tax purposes, or umarried. You should oly eroll legitimate depedets who are eligible uder the pla. AARP has a obligatio to esure that oly eligible depedets are covered uder the pla. AARP may, at ay time, request verificatio of a depedet s relatioship status through supportig documetatio. Examples of this documetatio may iclude, but are ot limited to marriage certificates, birth certificates or court ordered guardiaship support documets. Childre beyod Idicated Coverage Ages Coverage for a erolled depedet child who is ot able to be self-supportig because of metal or a physical challege will ot ed just because the erolled depedet has reached age 26. AARP will exted the coverage for that erolled depedet beyod age 26 if both of the followig are true regardig the erolled depedet: Is ot able to be self-supportig because of metal or physical challege. Depeds maily o the employee for support. Coverage will cotiue as log as the erolled depedet is icapacitated ad depedet uless coverage is otherwise termiated i accordace with the terms of the pla. You must furish the Admiistrator with proof of the erolled depedet s icapacity ad depedecy withi 31 days of the date coverage would otherwise have eded because the erolled depedet reached age Revised: 10/9/2015

7 Domestic Parters Ay employee eligible to participate i medical, visio, detal, ad/or life isurace coverage offered through AARP may elect to cover a AARP registered domestic parter same or opposite sex ad/or childre of a AARP registered domestic parter uder those plas. The value of premium cotributios made by AARP toward a AARP registered domestic parter is cosidered taxable icome for the employee. Employee cotributios toward a AARP registered domestic parter coverage must be made o a post-tax basis. If a covered AARP registered domestic parter loses eligibility, he/she will be eligible for beefits through a COBRA-like cotiuatio pla. These beefits are idetical to those offered through stadard COBRA. Details regardig AARP registered domestic parter eligibility ad the erollmet process are foud o IfoNet. Cotiget Workers To the extet permitted by applicable law, cotiget workers are ot eligible to participate i ay of AARP s employee beefits, icludig, without limitatio, pesio, 401(k), retiremet, deferred compesatio, welfare, medical, health, group isurace, disability, bous, vacatio pay, leave policies, severace pay ad other similar plas, programs, ad policies. Rehired Employees If a employee separates from AARP ad is later re-hired by AARP, eligibility for beefit plas will vary depedig o the Origial Start Date, Rehire Date ad Service Aiversary Date. Iformatio o the applicatio ad impact of these dates is foud o IfoNet. Revised: 10/9/2015 5

8 Beefits Erollmet Whe Are You Eligible for Beefits? Erollmet for Eligible New Hires* Beefit Medical 401(k)/1165(e) (Puerto Rico) Visio Busiess Travel Accidet Detal Health Care Spedig Accout Life Isurace Depedet Care Spedig Short-Term Disability Accout Legal Services Pla Log Term Disability Log Term Care Isurace Pre/Post-Tax Trasit ad Pre/Post-Tax Parkig Whe Date of hire. 1st of the moth followig 30 days of employmet. 1st of the moth followig six moths of employmet, erollmet is automatic oce eligible. 1st of the moth followig approval by Geworth Life. Depedet o date of hire. Erollmet must be completed i the WageWorks system by the 10th of the previous moth for the ext beefit moth. New York LIRR ad Metro-North users must eroll i the WageWorks system by the 4th of the previous moth. *Importat Note: New Hires must eroll i or waive beefits via Employee Self-Service by the ed of their first day at AARP. Whe Ca You Chage Your Beefit Electios? Beefit Medical Life isurace Visio Health Care Spedig Accout Detal Depedet Care Spedig Accout Whe Aual ope erollmet period, or a eligible qualifyig status chage. Erollmet for Curret Employees Legal Services Pla 401(k)/1165(e) (Puerto Rico) Log Term Care Isurace Pre/Post-Tax Trasit ad Pre/Post-Tax Parkig Aual ope erollmet period. Ay time. Ay time. Mothly basis provided chages are made i the WageWorks system by the 10th of the previous moth for the ext beefit moth. New York LIRR ad Metro-North users must make chages i the WageWorks system by the 4th of the previous moth. Qualifyig Status Chage/Life Evet Geerally, you may ot chage your electios durig the pla year, except i the case of a qualifyig status chage (life evet) that results i a chage i family or work status or i the case of certai cost or coverage chages, icludig chages uder aother employer s plas. The Iteral Reveue Service (IRS) imposes restrictios o the kids of chages you may make to certai coverages outside of the aual Ope Erollmet period. I certai situatios you may be permitted to chage your beefit electios durig the year. New electios that you make must be o accout of ad cosistet with the chage i coverage or reaso for the chage i coverage. For example, if you are erolled i a HMO ad are trasferred to aother worksite locatio which does ot offer the same HMO, you are permitted to elect a ew medical pla optio or cacel coverage. You have oly 31 days to update beefits due to a Qualifyig Status Chage. See IfoNet, HR & Beefits, Life Evet Checklist for details. 6 Revised: 10/9/2015

9 PlaAhead Medical Beefits Your Choices Employees share i the cost of coverage through pre-tax (post tax for AARP registered domestic parter portio) cotributios. UitedHealthcare (UHC) Ope Access Poit-of-Service (POS)/PPO. - High (90% i-etwork pla). - Stadard (80% i-etwork pla). UitedHealthcare Idemity/Out-of-Area (limited locatios). Kaiser HMO (Mid-Atlatic ad Califoria). Waive. UHC Ope Access Poit-of-Service (POS) UHC s Choice Plus Ope Access POS medical optios are the Stadard ad High plas. With either, you do ot have to select a primary care physicia whe you eroll ad you may see ay provider i UHC s Choice Plus POS etwork to receive the i-etwork level of beefits. These optios cover both i-etwork ad out-of-etwork coverage. Your costs are geerally less whe you receive care from i-etwork providers. Prior otificatio may be required before you receive certai services. Refer to the Summary Pla Descriptios o IfoNet for further iformatio. I-Network Beefits Visit ay provider i the UHC Choice Plus POS etwork ad receive i-etwork beefits. I-etwork providers, physicias or other medical professioals, hoor your membership card ad bill UHC directly for services redered based upo cotracted rates or discouts. Deductible, co-pays, ad coisurace apply. Out-of-Network Beefits Visit providers who do ot participate i a UHC etwork ad you are still covered, but your out-of-pocket costs will be higher. Deductible ad coisurace apply. After meetig deductible, reimbursemet for a eligible charge is based o a maximum that is tied to reasoable ad customary charges (R&C). Out-of-etwork providers ca bill for their charges that exceed the UHC s R&C charges. Out-of-etwork providers may require paymet i full at time of service. You must submit claims to UHC to receive reimbursemet. ThikSmart, pla ad compare what your out-of-etwork provider will charge for a procedure with what UHC s R&C charge is before udergoig the procedure. Health Care Coverage Categories Whe electig medical, detal ad/or visio coverage, you ca elect coverage for: Employee, yourself oly Employee + 1, yourself ad oe depedet Employee + 2 or more, yourself ad your family You ca choose differet coverage levels or cover differet depedets uder each beefit. For example, you ca elect medical coverage for yourself, but detal or visio coverage for you ad your family. Revised: 10/9/2015 7

10 Fid a Doctor To fid a doctor or to see if your doctor participates i UitedHealthcare's POS provider etwork, go to ad select UitedHealthcare Choice Plus as the health pla. UHC Preferred Provider Orgaizatio (PPO) UHC offers a PPO etwork istead of a POS etwork i certai areas due to cotractual limitatios i the states Idaho, Motaa, Pesylvaia (Harrisburg oly), ad the U.S. Virgi Islads. The PPO beefits are the same as POS beefits; however you use the PPO etwork istead of a POS etwork i these areas. Employees livig i Hawaii have a separate PPO Pla that complies with state regulatios. Prior otificatio may be required before you receive certai services. Refer to the Summary Pla Descriptios o IfoNet for further iformatio. UHC Idemity/Out-of-Area Pla The UHC Idemity/Out-of-Area Pla is available oly to those employees who live i areas where the UHC POS/PPO etworks are limited. Traditioal pla that does ot iclude a etwork. Visit ay provider you wish. Pla beefits are subject to R&C charges for covered services. Providers ca bill you for charges i excess of the reimbursemet maximums. Eve i areas where this pla is offered ad o etwork is available, some providers may hoor UHC cotracted rates. Oly employees who live i these states may choose either a UHC POS/PPO Pla, or the Idemity Pla depedig o availability of etwork providers: Alabama Alaska Arizoa Idaho Ketucky Louisiaa Michiga Mississippi Missouri Motaa New Mexico North Dakota South Carolia South Dakota Vermot West Virgiia Wiscosi Wyomig UHC Reasoable ad Customary (R&C) Charges Out-of-etwork ad Idemity/Out-of-Area beefits are based o R&C charges established i your area. If the actual charge is more tha the R&C amout, you pay 100% of the differece betwee the actual charge ad the R&C amout, i additio to ay applicable deductible ad coisurace amouts. R&C charges are based o what most providers i your area charge for a particular service. For iformatio o how to calculate approximate costs of selected health care services by area, go to ad click o Estimate Health Care Costs. 8 Revised: 10/9/2015

11 UHC Deductibles, Coisurace, ad Out-of-Pocket Maximums Whe deductibles ad coisurace apply, i order for beefits to be paid, you must first satisfy a aual deductible, based o eligible charges. Deductibles: Aual out-of-pocket amout that a idividual or family must pay before coisurace is applied ad the pla begis to pay. Applies to ay service that requires coisurace but ot a co-pay (welless visits do ot require coisurace). Example 1: Family of 5 idividuals - Whe employee satisfies his or her deductible, coisurace is applied ad his or her beefits begi. - Whe employee ad spouse satisfy their respective deductibles, coisurace is applied ad their beefits begi. - Whe employee, spouse ad child satisfy their deductibles, coisurace is applied ad beefits begi for the etire family (family deductible is capped at 3 times a idividual). Example 2: Family of 5 idividuals - Whe employee ad spouse (or child depedet) satisfy their deductibles, ad two childre collectively satisfy a idividual deductible amout, coisurace is applied ad beefits begi for the etire family. Coisurace: Oce the deductible is satisfied, the pla pays a percetage of eligible cotracted rate or R&C charges ad you pay a percetage called coisurace. Co-pays: A set amout you pay for a specific service (typically a office visit). Co-pays are ot subject to the deductible. Out-of-Pocket Maximum: Whe your deductible, coisurace, ad co-pay amouts reach the out-of-pocket maximum (based o eligible charges), the pla pays 100% of eligible i-etwork ad out-of-etwork charges for the remaider of the year. You remai resposible for certai out-of-etwork charges above R&C. UHC Cacer Support Program Available to UHC participats, the Cacer Support Program (CSP) is a valuable supplemet to your health care coverage ad offers you ad your family a sigle source for persoal support through a experieced cacer urse. Dedicated urses will provide iformatio, aswer your questios, guide you to a provider i your local commuity or withi the UitedHealthcare cacer Ceters of Excellece etwork, ad also help you deal with the emotioal side of cacer. Revised: 10/9/2015 9

12 Powerful Features o UHC ad Kaiser Websites Put You i Charge of Your Health UHC ad Kaiser websites provide a vast array of iformatio ad tools to help you stay healthy, aswer questios, research health care topics, ask a professioal for advice, check beefit statemets, prit replacemet ID cards, maage prescriptios, estimate service costs, ad eve take a health assessmet. Available seve days a week! Kaiser Permaete Health Maiteace Orgaizatio (HMO) Kaiser Permaete HMO is available to those i the Mid-Atlatic area (parts of Marylad, Virgiia, ad Washigto D.C.) ad most employees i Califoria (varies based o residece). Comprehesive beefits, which are covered at 100% after a co-pay, but oly whe you receive care from Kaiser providers. Kaiser offers i-etwork beefits oly. No deductibles or claim forms to file. At erollmet, choose a Kaiser facility at which you wish to receive care. Select a doctor withi that ceter who will coordiate your care. Most care will be provided withi your chose Kaiser facility. Refer to the Kaiser website for a list of the Kaiser facilities ear you. Note that o Kaiser beefits are available out-of-etwork, except i emergecies. Health Assessmets Kaiser & UHC You ca take a cofidetial olie health assessmet to help idetify persoal health eeds as well as provide iformatio o improvig healthy habits. Cofidetial health assessmets are offered to employees by both UitedHealthcare ad Kaiser Permaete. AARP offers 2 drawigs aually with a chace to wi a $250 gift card for those who complete a olie health assessmet. Iformatio o how to access a health assessmet is located o IfoNet. For questios about medical coverage, icludig prescriptios Phoe Olie Group Referece UitedHealthcare Group No Kaiser Mid-Atlatic Kaiser Califoria Group No (Eglish) (Spaish) Group No Revised: 10/9/2015

13 UHC POS/PPO & Idemity/Out-of-Area Plas Beefit Highlights Feature UHC Stadard Ope Access POS UHC High Ope Access POS UHC Idemity/ I-Network Out-of-Network* I-Network Out-of-Network* Out-of-Area* Aual deductible Idividual: $400 (per covered member) Family: $1,200 (for all covered members) Idividual: $800 (per covered member) Family: $2,400 (for all covered members) Idividual: $200 (per covered member) Family: $600 (for all covered members) Idividual: $400 (per covered member) Family: $1,200 (for all covered members) Idividual: $400 (per covered member) Family: $1,200 (for all covered members) Aual out-of-pocket maximum (icludes deductible)** Idividual: $3,400 (per covered member) Family: $10,200 (for all covered members) Idividual: $4,900 (per covered member) Family: $14,700 (for all covered members) Idividual: $3,400 (per covered member) Family: $10,200 (for all covered members) Idividual: $4,900 (per covered member) Family: $14,700 (for all covered members) Idividual: $3,400 (per covered member) Family: $10,200 (for all covered members) Office visits Doctor s office Specialist office $30 co-pay $40 co-pay 60% after deductible 60% after deductible $25 co-pay $35 co-pay 70% (o deductible) 70% after deductible 80% after deductible 80% after deductible Prevetive Care Routie physical Materity care Well baby care 100% 80% after $30 co-pay (first visit oly) 100% 60% (o deductible) 60% after deductible 60% (o deductible) 100% 90% after $25 co-pay (first visit oly) 100% 70% (o deductible) 70% after deductible 70% (o deductible) 100% 80% after deductible 100% Routie Visio Care Not Covered What pla pays for most other covered services 80% after deductible 60% after deductible 90% after deductible 70% after deductible 80% after deductible Outpatiet care X-ray, lab tests 80% after deductible 60% after deductible 90% after deductible 70% after deductible 80% after deductible Outpatiet surgery 80% after deductible 60% after deductible 90% after deductible 70% after deductible 80% after deductible Ipatiet Metal health Substace abuse 80% after deductible 60% after deductible 90% after deductible 70% after deductible 80% after deductible Outpatiet Metal health Substace abuse 100% after $30 co-pay for idividual sessio, $15 for group sessio 60% after deductible 100% after $25 co-pay for idividual sessio, $12 for group sessio 70% after deductible 80% after deductible Emergecy care Emergecy Room 80% after deductible 60% after deductible if o-emergecy care. Emergecy care covered at i-etwork level 90% after deductible 70% after deductible if o-emergecy care. Emergecy care covered at i-etwork level 80% after deductible Urget Care Facility $60 co-pay $60 co-pay $55 co-pay $55 co-pay $60 co-pay Ipatiet hospital services (icludig materity) 80% after deductible 60% after deductible 90% after deductible 70% after deductible 80% after deductible Hearig aids*** Lifetime maximum $3,000 aual maximum (both ears combied), oe hearig aid per ear per 36 moths Ulimited * Beefits for out-of-etwork services are capped, based o a formula that uses area reasoable & customary charges as a basis. ** Excludes out-of-pocket expeses resultig from charges above reasoable & customary. *** Subject to pla deductible, coisurace ad out-of-pocket maximum. **** For Kaiser hearig aid coverage, certai limitatios apply. Please see Kaiser Summary Pla Descriptio o IfoNet. Revised: 10/9/

14 Prevetive Care Services The UitedHealthcare plas pay for prevetive care services provided o a outpatiet basis at a Physicia's office, a Alterate Facility or a Hospital. Prevetive care services ecompass medical services that have bee demostrated by cliical evidece to be safe ad effective i either the early detectio of disease or i the prevetio of disease, have bee prove to have a beeficial effect o health outcomes ad iclude the followig as required uder applicable law: evidece-based items or services that have i effect a ratig of "A" or "B" i the curret recommedatios of the Uited States Prevetive Services Task Force; immuizatios that have i effect a recommedatio from the Advisory Committee o Immuizatio Practices of the Ceters for Disease Cotrol ad Prevetio; with respect to ifats, childre ad adolescets, evidece-iformed prevetive care ad screeigs provided for i the comprehesive guidelies supported by the Health Resources ad Services Admiistratio; ad with respect to wome, such additioal prevetive care ad screeigs as provided for i comprehesive guidelies supported by the Health Resources ad Services Admiistratio. Choose Network Providers for your Lab Tests UitedHealthcare pays claims for covered services from out-of-etwork laboratories at your out-of-etwork beefit level, eve if your etwork doctor or other health care provider referred you to the service. It is importat that you kow if your laboratory is a etwork or out-of-etwork provider if you wish to maximize your coverage. How does this affect you? Usig a laboratory outside the UitedHealthcare etwork may cost you more out of your pocket. Whe your samples are set to o-etwork laboratories, you will likely pay higher deductibles ad coisurace. Talk to your doctor s office if you are usure where your lab samples are beig set. Network laboratories save you moey You get the best value from your beefit pla ad help to maage health isurace costs whe you choose etwork laboratories. Your deductibles are higher whe usig a out-of-etwork laboratory. Your share of the bill, called coisurace, is higher whe usig a out-of-etwork laboratory. You may receive a bill from a out-of-etwork laboratory for the differece betwee your out-of etwork beefit ad the amout the out-of-etwork laboratory charges for the service. You should ote that etwork laboratories will ot balace bill you for covered services they provide. Choose UitedHealthcare etwork laboratory providers You have the right to ask your doctor to sed your lab samples to a etwork laboratory. Do t ru the risk of your laboratory work beig referred out-of-etwork ad potetially payig a higher cost. If your doctor uses a laboratory that is ot icluded i the official myuhc.com laboratory directory, call customer care to cofirm whether the laboratory is i our etwork. Cotact UitedHealthcare with questios If you have ay questios, please visit myuhc.com or call a customer care professioal at the umber o the back of your member ID card. 12 Revised: 10/9/2015

15 Kaiser HMO Pla Beefit Highlights Feature Mid Atlatic Kaiser HMO Califoria Aual deductible Noe Aual out-of-pocket maximum Office visits Doctor s office Specialist office Routie physical Materity care Well baby care Routie Visio Care Exam Frames & Leses Idividual: $3,500 (per covered member) Family: $9,400 (for all covered members) $25 co-pay $35 co-pay 100% $25 co-pay (iitial visit oly) 100% through age 5 $25 co-pay Optometrist Discout Idividual: $1,500 (per covered member) Family: $3,000 (for all covered members) $25 co-pay $35 co-pay 100% 100% 100% through 23 moths 100% Not covered What pla pays for most other covered services Outpatiet care X-ray, lab tests Outpatiet surgery Ipatiet Metal health Substace abuse 100% 100% $50 co-pay $100 co-pay per admissio, 100% thereafter Outpatiet Metal health Substace abuse $25 co-pay for idividual sessio, $10 co-pay for group sessio $25 co-pay for idividual sessio, $10 co-pay for group sessio $25 co-pay for idividual sessio, $12 co-pay for group sessio $25 co-pay for idividual sessio, $5 co-pay for group sessio Emergecy care Ipatiet hospital services (icludig materity) Hearig aids**** $100 co-pay (waived if admitted) $100 co-pay per admissio, 100% thereafter $1,500 per hearig aid, per 36 moths For Kaiser hearig aid coverage, certai limitatios apply. Please see Kaiser Summary Pla Descriptio o IfoNet. Revised: 10/9/

16 Prescriptio Drug Beefits Prescriptio drug beefits are icluded i your UitedHealthcare or Kaiser medical pla coverage. Medicatio Delivered to Your Home Have a 90-day supply (100-day for Califoria Kaiser) of your maiteace medicatio mailed directly to your home. Save time ad/or moey. $0 Co-pay Geeric Rx Program Available to UHC participats, certai geeric prescriptios will have a $0 co-pay if filled to treat certai chroic coditios such as asthma, heart failure, coroary artery disease ad diabetes. 14 Revised: 10/9/2015 UHC Prescriptio Drugs If you are erolled i a UHC medical pla optio, you ca fill your prescriptios at a participatig retail pharmacy or, for maiteace medicatios, through the UHC Home/Mail Delivery Pharmacy Service, admiistered by OptumRx. Prescriptio Type Retail Mail Order (up to 30-day supply) (up to 90-day supply) Geeric $10 $20 Preferred brad-ame $30 $75 No-preferred brad-ame $50 $125 Preferred Drug List A preferred drug list, or formulary, is a list of recommeded prescriptio medicatios that is created, reviewed, ad regularly updated by a team of physicias ad pharmacists, based o cliical performace ad cost-effectiveess. Use this list with your doctor to select medicatios to maximize the Pla s prescriptio drug beefits. A preferred drug list is available by callig OptumRx at , or by visitig or UHC Prescriptio Drug Cliical Programs UHC admiisters several cliical programs iteded to alert pharmacists ad doctors of potetial harmful drug iteractios or of duplicate coverage. Programs also work to esure the proper medicatios are ot oly dispesed but are dispesed appropriately. To lear more about a program or to see if your prescriptio falls uder oe of the programs, please see IfoNet or call the umber idicated. Specialty Pharmacy Program High Utilizatio Narcotics Program Quatity per Duratio Program Notificatio or Pre-Authorizatio Program Kaiser HMO Prescriptio Drugs If you are erolled i either the Mid-Atlatic or Califoria Kaiser HMO, you ca fill your prescriptio at a Kaiser Permaete Pharmacy or, for maiteace medicatios, through Kaiser Mail Order. Mid-Atlatic Kaiser HMO Califoria Kaiser HMO Prescriptio Type Retail Mail Order $10 geeric } $10 geeric 60-day Kaiser Pharmacy $30 brad-ame supply $30 brad-ame } 90-day supply $50 o-formulary $50 o-formulary } $30 geeric No-Kaiser 60-day $50 brad-ame Not covered Pharmacy supply $75 o-formulary Kaiser Pharmacy No-Kaiser Pharmacy $10 geeric $30 brad-ame Not covered } 100-day supply $10 geeric $30 brad-ame Not covered } 100-day supply

17 Your Cotributios for Medical ad Prescriptio Drug Coverage The amout you pay for medical coverage depeds o: Pla optio you select. Level of coverage umber of people you cover. Your salary level. Cotributios are deducted from your pay twice per moth. If you cover a AARP registered domestic parter, a portio of your employee cotributio will be deducted o a post-tax basis. See IfoNet for more details. If your salary level chages durig the Pla Year, you will be charged a differet rate accordig to the Employee Pre-Tax Cotributios table. Employee Pre-Tax Cotributios 2016 Medical Pla Optios (icludes prescriptio drug ad visio beefits) UHC Stadard / Idemity employee employee +1 employee +2 or more UHC High employee employee +1 employee +2 or more Kaiser Mid-Atlatic employee employee +1 employee +2 or more Kaiser CA employee employee +1 employee +2 or more Total 2016 Actual Cost* $7,733 $14,460 $24,590 $7,994 $14,948 $25,420 $6,108 $12,215 $17,651 $5,536 $11,073 $16,055 If your actual salary is... Per pay period, you will pay... less tha $60,000 $31.00 $58.00 $98.50 $43.00 $80.50 $ $30.50 $61.00 $88.00 $23.00 $60.00 $87.00 $60,000- $124,999 $69.50 $ $ $93.50 $ $ $63.50 $ $ $62.50 $ $ $125,000 or more $86.50 $ $ $ $ $ $81.00 $ $ $78.50 $ $ *Aual cost reflects both employee ad AARP cotributios. Revised: 10/9/

18 Visio Beefits Your Choices Employees share i the cost of coverage through pre-tax (post tax for AARP registered domestic parter portio) cotributios. Fid a Provider To fid a VSP etwork provider for your visio eeds go to Usig VSP There are o ID cards with the VSP pla. Just call a VSP provider to make a appoitmet. Visio Service Pla (VSP) Waive Visio Beefits Highlights The AARP visio program is admiistered through the Visio Service Pla (VSP). Whe you visit a provider i the VSP etwork, you receive a higher level of beefits. Your etwork provider takes care of all paperwork icludig filig claims. If you receive covered services from a out-of-etwork provider, you will have to file your claim forms. Please ote that some routie visio care may be covered by Kaiser Permaete. Check highlights chart ad SPDs for specific details. Covered Services I-Network Out-of-Network Aual Exams (12 moths) No co-pay Up to $50 allowace Eyeglass leses or cotact leses* Sigle visio leses, per pair $25 co-pay Up to $50 allowace Bifocal leses, per pair $25 co-pay Up to $75 allowace Trifocal leses, per pair $25 co-pay Up to $100 allowace Cotact leses, per pair Up to $150 allowace Up to $105 allowace Disposable Nodisposable Frames (24 moths) Up to $150 allowace Up to $70 allowace * You may choose betwee glasses or cotact leses. If you choose cotact leses, you will be eligible for frames twelve moths after you obtai your cotact leses (frames are available every 24 moths). Your Cotributios for Visio Coverage 2016 Cotributios employee employee +1 employee +2 or more Visio Oly $3.00 $6.00 $10.00 For questios about visio coverage Phoe Olie Group Referece Visio Service Pla Group No Revised: 10/9/2015

19 Detal Beefits Your Choices Employees share i the cost of coverage through pre-tax (post tax for AARP registered domestic parter portio) cotributios. Delta Detal. Waive. Detal Beefits Highlights The AARP detal pla through Delta Detal is a preferred provider orgaizatio (detal PPO) that offers both i-etwork ad out-of-etwork beefits. The beefits you receive are based o the pla level i which your detist participates. There are three levels of beefits: Fid a Detist To fid a detist or to see if your detist participates i Delta s Detal provider etworks, go to Delta Detal PPO: Beefits are the highest ad out-of-pocket expeses the lowest whe you use Delta Detal PPO detists. Delta Detal Premier : Use a Delta Detal Premier detist ad receive a moderate level of beefits, savig o out-of-pocket costs though ot as much as if you visit a Delta Detal PPO detist. Out-of-Network: You are still covered if you use a out-of-etwork detist, but your out-of-pocket expeses will geerally be higher tha if you visited a Delta Detal detist. Revised: 10/9/

20 Feature I-Network Out-of-Network Delta PPO Delta Premier Aual deductible Idividual $50 per perso $100 per perso $100 per perso Family $100 per family $300 per family $300 per family Aual beefit maximum $2,000 $2,000 $2,000 per perso Prevetive ad diagostic care* 100%** 80%** 80%** (e.g., routie exams, cleaigs, Routie exams ad cleaigs covered up to three x-rays ad fluoride treatmets) per caledar year. Basic restorative care (e.g., oral 80%** 65%** 65%** surgery, extractios, amalgams ad composite filligs, periodotics, deture repair & reliig) Major restorative care 50%** 40%** 40%** (e.g., detures, crows, bridgework, ilays ad olays) Orthodotia (child & adult)* 50%** 50%** 50%** Separate lifetime maximum $2,000 per perso $2,000 per perso $2,000 per perso TMJ 50%** 50%** 50%** Separate lifetime maximum $3,000 per perso $3,000 per perso $3,000 per perso Implats (No age limit) 50%** 40%** 40%** Separate lifetime maximum $2,400 per perso $1,800 per perso $1,800 per perso * Prevetive, diagostic ad orthodotic care are ot subject to the deductible. ** Percetages based o Delta Detal s Maximum Pla Allowace or detist s actual fee, whichever is less. Curret Year Cotributios for Detal Coverage If you wat detal coverage, the followig per-pay-period cotributios will apply: 2016 Cotributios employee employee +1 employee +2 or more Detal $8.00 $15.00 $24.00 For questios about detal coverage Phoe Olie Group Referece Delta Detal Group No Revised: 10/9/2015

21 Fit & Well AARP s health ad welless iitiatives are desiged to improve your health ad wellbeig through educatio ad activities that support positive lifestyle chage. Use these programs to take resposibility for your ad your family s health ad welless. Please refer to IfoNet for more detailed iformatio o these programs. Aual Health Fair with Biometric Screeigs that provides employees a opportuity to meet our health ad welless vedors ad offers free biometric screeigs. Flu cliic osite vaccies will be offered durig flu seaso at Natioal Office ad Lakewood. Health Assessmet Icetive Cofidetial olie health assessmets help idetify persoal health eeds as well as provide iformatio o improvig healthy habits. Multiple wier drawigs twice a year with a chace to wi a $250 gift card offered to employees ad their spouses completig a olie assessmet. Spouse icetive will be awarded to employee. Tobacco Cessatio AARP sposored program QuitPower, provided by UHC, is available to all employees ad family members ad is specifically desiged to assist i efforts to quit the use of tobacco. Tobacco Cessatio also available through Lifeworks ad Global Fit. Fitess Credit Reimburses employees, who do ot have access to a osite gym or fitess facility ad to employees i the atioal office who use AARP cotracted traiers, up to $100 per year. Welless Coachig Access to welless coaches, at o cost, as part of your UHC or Kaiser pla participatio, as well as through Ceridia LifeWorks. Dedicated coaches available for weight maagemet, exercise, utritio, tobacco cessatio, stress maagemet, heart health, ad diabetes (UHC). Coachig may be offered by telephoe, mail or olie. Fitess/Welless Classes & Welless Studio Natioal Office Classes offered to employees may iclude yoga, relaxatio & midfuless techiques or stregth traiig. Some charges may apply. Osite Gym Natioal ad Lakewood Offices Gym facility icludes cardio ad stregth traiig equipmet. GlobalFit Membership Provides a rage of coveiet, affordable, ad healthy livig programs; icludig access to discouted fitess club memberships. Weight Watchers@Work Provides employees with the coveiece of a Weight Watchers meetig at the Natioal Office Disease Maagemet Icetive UHC Participats Oly Program helps participats uderstad chroic coditios icludig Heart Failure, Coroary Artery Disease, Diabetes, ad Asthma ad how to take iformed actio to best maage their coditio. Eligible employees, spouses ad immediate family members who eroll ad complete the program receive a $200 gift card. Spouse icetive will be awarded to employee. Revised: 10/9/

22 LifeWorks Employee Assistace Program (EAP) AARP provides employees with a work-life cosultatio ad referral service through Ceridia LifeWorks. This comprehesive source assists you ad your household members with a variety of persoal, family, fiacial, work, ad everyday issues icludig but ot limited to: Health ad welless. Emotioal well beig ad relatioship. Stress. Legal. Retiremet. You may also take advatage of at least three face-to-face couselig sessios aually per issue. LifeWorks/EAP Highlights 24/7 access via olie, phoe, or i perso. ica Persoal health coachig matchig you with your ow persoal health coach who ca help you: - Maage your weight (icachage). - Quit smokig or usig tobacco (icaquit). - Maage stress (icarelax). - Reduce cardiovascular risk (icathrive). Free resources booklets, audio recordigs, self-assessmets, olie semiars, ad more. Toolkits icludig a health library, childcare locator, divorce toolkit, fiacial calculators, ad a retiremet plaer. Discouts o services icludig caregiver products, tutorig, college admissios couselig, ad products for seiors. Phoe Olie Group Referece Ceridia LifeWorks Compay Name: AARP User ID Password: /7 Nurselie or Medical Advice Lie You ca talk to a registered urse aytime eve i the middle of the ight! Cotact the Ceridia LifeWorks EAP or your AARP medical pla provider. Take advatage of a Nurselie/Medical Advice Lie whe you have a questio about your health or your treatmet. Ceridia LifeWorks (all employees) Phoe Olie Compay Name: AARP User ID Password: 0906 UitedHealthcare Participats Revised: 10/9/2015 Kaiser Participats (DC/MD/VA) (CA)

23 Flexible Spedig Accouts (FSA) Your Choices Employees ca set aside moey o a pre-tax basis to pay for eligible aticipated out-ofpocket health care expeses ot covered uder a health care pla (Health FSA) ad/or ad depedet care expeses such as day care ad elder care (Depedet Care FSA). FSAs are admiistered through WageWorks. Health Care (FSA), ad/or Depedet Care (FSA). FSA 2016 Aual Limit Health Care* $2,500 You must actively re-eroll i the FSAs every year if you wish to participate. Depedet Care $5,000 *Note: The IRS allows you to carry over up to $500 of uused fuds from oe pla year to the ext. All fuds over the $500 limit will be forfeited i accordace with the Iteral Reveue Code. How FSAs Work Whether you elect a Health Care FSA, a Depedet Care FSA, or both, the pla works the same way. You may oly chage your electio durig the pla year if you have a qualifyig chage i family status. You estimate your eligible out-of-pocket health care ad/or depedet care expeses for the year. You decide how much to deposit i oe or both accouts to cover your eeds. Your cotributios are deducted from each paycheck o a pre-tax basis ad are credited to the accouts i your ame. Whe you icur a eligible expese, you pay the provider ad submit claim forms. You will still be required to submit receipts. You are reimbursed with tax-free dollars from the appropriate accout by check or direct deposit. Use it or lose it. The IRS allows you to carry over up to $500 of uused fuds from your Health Care FSA from oe pla year to the ext. This carry over allowace does ot apply to your Depedet Care FSA. All fuds over the $500 limit will be forfeited i accordace with the Iteral Reveue Code. You may submit claims with all required documetatio util March 31 of the year followig the year i which eligible expeses were icurred. For additioal iformatio o FSAs, icludig eligible expeses ad the reimbursemet process, employees should cotact WageWorks. Revised: 10/9/

24 Pla FSA Cotributios Wisely IRS requires moey remaiig at the ed of the year to be forfeited. How much did you sped last year out of your ow pocket for expeses (deductibles, co-pays, coisurace) ot covered uder a medical pla? Will you eed depedet day care ad/or elder care services so that you ad your spouse ca work? May orthodotia treatmets exted beyod oe year; cosult your orthodotist to estimate your Health Care FSA cotributio based o the orthodotia expeses you expect to icur this year. Health Care FSA Highlights Set aside up to $2,500 i pre-tax earigs. Pay for eligible medical, detal, prescriptio, ad/or visio expeses that are ot covered uder a health care pla for yourself (your spouse ad your depedets eve if they are ot covered uder your AARP pla). Set up a Health Care FSA eve if you elect to waive medical, detal ad/or visio coverage. Domestic parter expeses are ot eligible for reimbursemet through a health care FSA uless your domestic parter is also your tax depedet. Eligible medical expeses iclude deductibles, co-pays, coisurace, certai over-the-couter drugs (submitted with doctor s prescriptio), eyeglasses ad cotact leses, orthodotia, ad eve laser surgery for visio correctio. For a complete list of eligible expeses, refer to IRS Publicatio 502, available at or from your local IRS office. Depedet Care FSA Highlights Set aside up to $5,000 i pre-tax earigs. Pay for eligible depedet day care ad elder care expeses icurred while you ad your spouse are at work, or while you are at work ad your spouse is attedig school full-time or is disabled. For a complete list of day care ad elder care eligible expeses, refer to IRS Publicatio 503, available at or from your local IRS office. For questios about FSA coverage Phoe Olie WageWorks Obtai a quote ad assurace that you are a cadidate for elective surgeries (e.g., Lasik, detal) before settig aside moey i a FSA. 22 Revised: 10/9/2015