2016 Annual Enrollment Benefits Snapshot

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1 Farm Credit Foundations 2016 Annual Enrollment Benefits Snapshot Go to FarmCreditFoundations.com to see all 2016 changes including a unique opportunity for some employees to increase their Group Universal Life Insurance without medical underwriting. Annual Enrollment is November 2-13! Go to to Make Your Benefit Elections Choose from 3 Medical Plans Farm Credit Foundations offers three different medical options for you and your family: u Premium PPO Plan u Standard PPO Plan u Consumer Choice PPO Plan This is a qualified high-deductible health plan. You pay no premiums. All three are Provider Organization (PPO) options and are administered by BlueCross BlueShield of Illinois (BCBSIL). BCBSIL has a large network of providers. You may choose to see any medical provider, in-network or out-of-network, and no referrals are necessary. However, when you choose a participating provider, you will typically receive plan-negotiated discounts in addition to a higher level of in-network benefits. In-network providers cannot balance bill due to contractual agreements between BlueCross BlueShield of Illinois and the provider. To locate a participating provider in your area, check out the provider directory at or call BCBSIL at Coverage Available to You and Your Dependents Medical Plans* Dental Plans* Vision Plan* Tax Advantage Accounts Other Employer-Provided Benefits Optional Benefits *Dependent children are eligible to remain on your benefit plans listed above through the end of the month of their 26th birthday, regardless of marital or student status. Eligibility information is available on Foundations website at Plan costs in this document assume full-time employment. See for part-time rates.

2 Key Medical Plan Details No referral to see a specialist. Medical and dental claims must be submitted within 12 months from date of service in order to be considered. Dispense As Written (DAW) Provision: If you purchase a preferred or non-preferred drug at retail or mail when a generic is available, you will pay the brand copay, plus the difference between the cost of the generic drug and the drug dispensed. Benefits are available for employees scheduled to work at least 20 hours or more a week. Premiums paid will vary for full-time and part-time employment. Consumer Choice PPO Plan Annual $2,700 $5,450 * 100% $2,700 $5,400 With Health Savings Account (HSA) 60% EE Only $0 $457 $0 $903 EE + Child(ren) $0 $843 $0 $1,289 * Full family deductible must be met by at least one person before the plan begins to pay. $5,450 $10,900 Subject to All generic, preferred brand and non-preferred brand prescriptions are subject to your coinsurance and deductible. No copay for preventive prescription drugs covered under the Affordable Care Act (ACA) u Provider Plan administered by Delta Dental of Kansas u Visit or call Coverage Basic Plan You Pay Employer Pays Employee Only $5 $19 $15 $31 Children $18 $38 $27 $52 Provides benefits for diagnostic, preventive and basic care eligible charges (including exams, cleaning, fillings and X-rays) $50 Per Person/$150 Per Preventive 100% Basic Services 80% Major Services Annual Benefit Maximum Orthodontia Coverage Comprehensive Plan Not Covered $750 Per Person Not Covered You Pay Employer Pays Employee Only $19 $18 $42 $31 Children $50 $38 $72 $52 Provides benefits for diagnostic, preventive, basic and major eligible charges, including orthodontia $100 Per Person/$300 Per Preventive 100% Basic Services 80% Major Services Covered at 50% Annual Benefit Maximum Orthodontia u Copay Network $1,500 Per Person Covered at 50% after deductible is met Lifetime maximum of $2,000 per person Vision Service Plan (VSP) Dental Plans Visit or call Monday-Friday, 8 a.m. to 5 p.m. (Pacific) to speak with Member Services VSP Plan Employee Only $11.16 $17.53 Children $17.87 $28.83 $20 exam copay; $25 materials copay Exams: Once every 12 months Frames: Once every 24 months Eye Glass Lenses or Contact Lenses: Once every 12 months; contact lenses benefit is not available in the same year frames are purchased up to $150 allowance Member discounts on additional network materials and services, including laser vision correction Out-of-network allowances available on

3 of this Plan... Premium PPO Plan of this Plan... Standard PPO Plan EE Only $183 $457 EE Only $51 $457 $441 $903 $163 $903 EE + Child(ren) $405 $843 $664 $1,289 EE + Child(ren) $147 $843 $259 $1,289 $450 Annual $900 * Annual $1,000 $2,000 * * At least two individual deductibles must be met to satisfy the family deductible. * At least two individual deductibles must be met to satisfy the family deductible. 80% 60% 80% 60% $1,800 $2,200 $3,600 $4,400 $3,000 $4,000 $6,000 $8,000 35% Not subject to Subject to 35% Not subject to Subject to (30 Days) (90-day supply at selected pharmacies) Maintenance Choice (90-day supply at CVS pharmacies only) Mail Order Generic $10 $30 $20 $20 Non Affordable Care Act Preventive $35 $105 $90 $90 $60 $180 $150 $150 No copay for preventive prescription drugs covered under the Affordable Care Act (ACA). See FarmCreditFoundations.com for more information. (30 Days) (90-day supply at selected pharmacies) Maintenance Choice (90-day supply at CVS pharmacies only) Mail Order Generic $10 $30 $20 $20 Non Affordable Care Act Preventive $35 $105 $90 $90 $60 $180 $150 $150 No copay for preventive prescription drugs covered under the Affordable Care Act (ACA). See FarmCreditFoundations.com for more information.

4 Tax Advantage Accounts Health Savings Account (HSA) A Health Savings Account is an individual account you can use to pay for present and future eligible medical or prescription drug expenses. To be eligible for a Health Savings Account: You must be enrolled in the Consumer Choice PPO plan. You cannot be covered by any other health insurance except a high-deductible health plan. You cannot be enrolled in Medicare. You cannot be claimed as a dependent on someone else s tax return. You can contribute pre-tax and after-tax dollars into your HSA. These dollars can then be used to help meet your deductible, pay for out-of-pocket expenses or just save for the future by earning interest on your balance or investing in mutual funds. There is no minimum you need to contribute to your HSA, but there is an annual maximum. The maximum annual amount you can contribute into your HSA is: : $3,350 : $6, and-over Catch-Up Provision: $1,000 Tax advantage accounts are administered by PayFlex. A key feature about a Health Savings Account is if you ever leave your job or retire, your HSA is yours to keep. Limited Purpose Flexible Spending Account If you enroll in the Consumer Choice PPO high-deductible plan, you can open and contribute to a Limited Purpose FSA. Funds from your Limited Purpose FSA can be used to pay for non-medical eligible charges, such as dental and vision. The maximum you can contribute is $2,550. Health Care Flexible Spending Account The health care FSA reimburses you for eligible health care expenses. The maximum amount you can contribute to your health care FSA is $2,550 per year. You are not eligible for a health care FSA if you are enrolled in a high-deductible health plan. Dependent Care Flexible Spending Account The dependent care FSA reimburses you for expenses associated with the care of a dependent while you or your spouse work or attend school. The maximum amount you can contribute to a dependent care FSA is $5,000 per year. The IRS family maximum is $5,000. If you are married and filing income taxes separately, the maximum amount each spouse can contribute is $2,500. Note: Unused funds in the Limited Purpose, Health Care and Dependent Care accounts are forfeited at year-end. Failure to substantiate Limited Purpose and Health Care claims will be reported as taxable earnings. Foundations Benefits: Choose Options That Fit Your Lifestyle Employer-Provided Benefits Your employer pays the entire cost for you. Basic Term Life and Accidental Death & Dismemberment (AD&D) Insurance Plans Coverage equal to one times your total compensation. Business Travel Accident Insurance Coverage equal to three times your total compensation. Long-Term Disability (LTD) Insurance Coverage that provides 66 2/3 of your monthly total compensation in the event you become disabled and unable to work. Defined Contribution/401(k) Plan Take advantage of company matching funds. Employer-Subsidized Benefits Your employer will pay a substantial portion of the cost of your coverage. You pay your portion of the premiums pre-tax. Domestic partner benefits are taxable. Medical Coverage Choose between Premium, Standard and Consumer Choice PPO plans. Dental Coverage Choose between Comprehensive plan and Basic plans. Optional Benefits You pay the full cost but save money by participating in group coverage provided by your employer. Vision Plan Coverage for eye exams, lenses, frames and contact lenses. Laser surgery covered at discounted rate with participating providers. You pay premiums pre-tax. Tax Advantage Accounts Contribute to one or more accounts available on a pre-tax basis: - Health Savings Account (HSA) - Limited Purpose Health FSA - Dependent Care Flexible Spending Account - Health Care Flexible Spending Account Optional Basic Employee Term Life and Accidental Death & Dismemberment (AD&D) Insurance Elect coverage for an additional one times your total compensation. You pay premiums pre-tax. Group Universal Life (GUL) Insurance Elect up to 10 times your total compensation for yourself, up to $250,000 for your spouse. Cash accumulation fund option also available. You pay premiums after-tax. Dependent Child(ren) Life Purchase up to $25,000 in life insurance for each eligible dependent child. You pay premiums after-tax. Voluntary Accidental Death & Dismemberment (AD&D) Insurance Elect coverage for you and/or your family up to 10 times your total compensation to a maximum of $750,000 in $25,000 increments. You pay premiums after-tax.

5 Farm Credit Foundations Medical Plan Notices The notices below may be of interest to you regarding your medical coverage under the Farm Credit medical plans. These notices as well as plan descriptions are available on under the Resources tab. If you are unable to access these documents, please contact Farm Credit Foundations at or by calling Grandfathered Plan Notice Although the Farm Credit Foundations Medical Plan (the Plan ) is a governmental plan that is maintained by employers that are federally chartered instrumentalities of the United States and, as such, is not subject to many of the requirements of the Patient Protection and Affordable Care Act ( PPACA ), the Plan believes that it satisfies the requirements for a grandfathered plan within the meaning of Section 1251 of PPACA. Grandfathered plans are subject to a delayed effective date for certain changes that will be required by PPACA and, in some cases, are fully exempt from those requirements for as long as the plan s grandfathered status is retained. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator at Farm Credit Foundations, 30 East 7th Street, Suite 3000, Saint Paul, MN Women s Health and Cancer Rights Act If you have had or are going to have a mastectomy, you may be entitled to certain benefits under your health care plan as a result of the Women s Health and Cancer Rights Act of 1998 ( WHCRA ). For individuals receiving mastectomy-related benefits, coverage will be provided under the plan, in a manner determined in consultation with your attending physician, for each of the following: All stages of reconstruction of the breast on which the mastectomy was performed. Surgery and reconstruction of the other breast to produce a symmetrical appearance. Post-mastectomy care for (i) inpatient treatment for the period of time determined by your attending Physician to be medically necessary and in accordance with protocols and guidelines based on sound scientific evidence and patient evaluation, and (ii) a follow up Physician office visit or in home nurse visit within forty-eight (48) hours after discharge. Treatment of physical complications of the mastectomy including, but not limited to, lymphedemas. Prostheses These benefits will be provided subject to the same deductibles and co-insurance applicable to other medical and surgical benefits provided under the plan. The information provided in this Benefits Snapshot is intended to be a general summary of benefits provided by Farm Credit Foundations. In the event that any information is in conflict with the vendor contract or the policy, the contract or policy language will prevail. The employers participating in the Farm Credit Foundations intend to provide these programs on an ongoing basis; however, they reserve the right to amend or terminate any program at any time. October 2015