2015 Benefits Enrollment Guide

2015 Benefits Enrollment Guide TOTAL REWARDS...PAY AND BENEFITS FOR YOUR JOURNEY 2015 BENEFITS Facts, tips and tools to help you get the most from your 2015 benefits, plus valuable health and wellness resources for you and your family.

2015 BENEFITS 2 Enrollment Checklist 3 Total Rewards 4 Our 2015 Benefits Program 5 Benefit Enrollment 5 When do I need to enroll? 5 What happens if I don t enroll during the enrollment period? 6 Who can I enroll? 6 Where can I find the employee benefit premiums? 6 How do I enroll in benefits? 7 How do I pay for my benefits? 7 When can I make changes to my benefits? 7 What happens after I enroll? 8 How do I receive my benefits ID Cards? 8 Enrollment Tips 11 MyHR - Benefit Modeling Tools 12 Medical Plans 12 Banner Health Savings Plan 17 Banner Select 500 18 Banner Choice Plus 19 Medical Plan Tips 20 Summary Charts 23 Dental Plans 24 Vision Plans 25 Flexible Spending Accounts 27 Wellness & Health Management 31 Life/Accidental Death & Dismemberment Insurance 32 Legal Plans 33 Retirement Plans - 401(k) / Roth 401(k) Savings and Retirement 37 Other Benefits 38 More Information 39 Banner Health Benefits Contacts Disclaimer This guide and the content contained on the Banner Health Benefits website (www.bannerbenefits.com) provides information about the Banner Health benefits programs. If there is any discrepancy between this guide and the Plan Documents, the Plan Documents will apply. Nothing in this guide or the Plan Documents will be construed to create or imply any contract of employment between an employee and Banner Health. Banner Health reserves the right to terminate, suspend, withdraw, amend, or modify the plans, or any benefit or cost sharing arrangement under any plan at any time and for any reason. Banner Health does not discriminate against any person on the basis of race, color, national origin, disability, or age in admission, treatment or participation in its programs, services and activities, or in employment. [12.16.14] Benefits for the Journey 2015 Benefits www.bannerbenefits.com

Enrollment Checklist Review this Enrollment Guide and other information at www.bannerbenefits.com. If you don t have access to the Internet, contact the Service Center at Banner Plan Administration for assistance (see Banner Health Benefits Contacts in this guide). GO TO BENEFITS CONTACTS SECTION Use the Benefit Modeling Tools in MyHR. Log in to Employee Manager Self Service (EMSS) and use the tools in MyHR to compare plan options and estimate costs in order to make the best choices for you and your family. Enroll before time runs out. If you miss this window, your next opportunity to enroll will be during any qualifying life event or the next Annual Enrollment in the fall. You may enroll online or over the phone (see Benefit Enrollment in this guide). GO TO BENEFIT ENROLLMENT SECTION Designate a beneficiary for your life insurance. Since Banner Health automatically provides you with a basic level of Life and AD&D coverage, be sure to designate a life insurance beneficiary in the online enrollment system even if you do not plan to enroll in any other benefits. Review your confirmation statement. After you enroll, you ll receive a confirmation statement. Read it to verify your coverage is accurate. If you find a discrepancy, you must notify the Service Center at Banner Plan Administration immediately to correct any errors. Make sure you receive your Benefits ID cards. You will receive your benefit cards for medical after your enrollment is complete. (see Enrollment in this guide). ID cards are not issued for dental and vision coverage. Please refer to the dental and vision sections of this guide for additional information. GO TO ENROLLMENT SECTION Contact Fidelity to enroll in or review your retirement plan options. Banner Health has partnered with Fidelity Investments to manage our retirement plan. (see Retirement Plans in this guide). GO TO RETIREMENT PLANS SECTION Schedule a voluntary biometrics screening and earn a wellness incentive. Know Your Numbers, one of our most important health management programs, can help you take care of your health and earn dollars for your Health Savings Account or offset your Banner Health medical plan premium. Learn more about this free biometrics screening (including lab tests), or schedule your appointment, by visiting www.bannerbenefits.com. Read enews and the employee website to stay current on news about your Total Rewards program. www.bannerbenefits.com 2

Total Rewards Looking Forward to a Healthy Future Our employees are our number one asset. Therefore, we aim to create an environment that supports you in providing an excellent patient care experience. We are distinguished by the quality of our people and we make this commitment to them: We ll help make a difference in your life and career so that you can make a difference in the lives of others. We refer to this commitment as the Banner Health Journey, and we support your Journey through our work environment, by offering you opportunities for learning and growth, and with a strong Total Rewards (pay and benefits) program. Banner Health s Total Reward strategy focuses on providing a competitive rewards program that: Support our employer commitment (Journey) to help make a difference in your life and career so that you can make a difference in the lives of others Promote personal accountability Focus on health management to improve your health, productivity and engagement, while also managing costs for you and Banner Health Reward performance not only through pay, but through opportunities for growth and development www.bannerbenefits.com 3

Our 2015 Benefits Program Benefits are a key part of your Total Rewards! We are very proud of our robust benefit offerings as our programs are designed to support your health, your retirement goals, and to protect the income and the welfare of your family. All of our programs provide a solid foundation so you can pursue your career and personal goals. Our 2015 benefits have a lot to offer and this guide will help you determine which programs are best for you and your family. We strongly encourage you to take an active role in your health and the selection of your benefits. Taking advantage of the information and tools we offer can potentially save you hundreds of dollars each year on your medical expenses! The information contained in this booklet provides a general overview of all of our programs. More detailed information can be found on our employee benefits website at www.bannerbenefits.com and in MyHR. GO TO MYHR SECTION While many other companies have elected to reduce or eliminate benefits due to increasing costs, Banner Health has continued to make adjustments and enhancements to our benefits programs and has absorbed most of the costs. Banner Health pays over 75% of our employee benefits. Whenever and wherever possible, we strive to keep your costs affordable while providing the best possible value and benefit. We ve made investments in benefits, programs and services that will help you and your family stay healthy and enjoy a better quality of life. It is important that you take the time to understand your benefit options and to enroll. This enrollment guide is designed to help you understand our benefit offerings for 2015 and how to complete your benefits enrollment. We hope you will explore all of your options before making a choice for 2015. www.bannerbenefits.com 4

Benefit Enrollment 2015 When do I need to enroll? Annual Enrollment Current employees may enroll each year during the designated Annual Enrollment period in the fall, with choices taking effect on Jan. 1 of the next year. New Hires/Newly Eligible New hires and newly eligible employees have 31 days from your hire date (or from the date you move into a benefits-eligible position) to complete your benefits enrollment. Whether you enroll on day one, day 10 or day 31 of your enrollment period, your benefits coverage will begin on the first day of the month following your hire/eligibility date. If your hire date falls on the first day of the month, your coverage would begin on that day. If your hire/ eligibility date falls on the first day of the month, you still have 31 days to enroll, but your coverage would be effective on your hire/eligibility date. If your hire date is Jan. 23, you have until Feb. 23 to complete your benefits enrollment. Even if you don t enroll until Feb. 15, your benefits coverage will begin on Feb. 1 and you will be responsible for all of February premiums. What happens if I don t enroll during the enrollment period? If you do not enroll during your enrollment period, you will not be able to enroll during the year unless you have a qualifying event (see page 7). You may be able to enroll during the next Annual Enrollment period in the fall and your benefits will be effective Jan. 1, 2016. www.bannerbenefits.com 5

Benefit Enrollment 2015 Who can I enroll? Many of the benefits plans allow you to add eligible dependents to the same plan in which you are enrolled. Depending on the plan, the eligible dependents may include: Your spouse Your same-sex spouse if your marriage took place in a state that recognizes such marriages Your common-law spouse if you live in a state that recognizes such marriages Your same-sex or opposite sex domestic partner and eligible dependent children (enrollment is limited to medical, dental, vision, life insurance and legal plan) Your children, stepchildren, or those for whom you have legal guardianship up to age 26 Your children who are at least age 26 and are incapable of self-support because of a mental or physical disability. Verification of your dependents eligibility is required. The specific documents you must provide are listed on the Dependent Eligibility Matrix at www.bannerbenefits.com. Where can I find the employee benefits premiums? You can view the premiums sheets by logging in to MyHR or the online enrollment system. How do I enroll in benefits? You can enroll either online or by phone. Online Go to www.bannerbenefits.com and click the Enroll button. This will take you to our online enrollment system. You can also find a link to the enrollment system by logging in to MyHR. Enter your Banner Health employee ID number located on the back of your ID badge. Enter your eight digit password, which is your full date of birth. For example, if you were born Jul. 17, 1958, your password would be 07171958. You will need to follow the instructions and create your own unique password once you have logged in to the enrollment system. Follow the on-screen prompts to enroll. By phone Call the Service Center at Banner Health Plan Administration at (480) 684-7070 in the Phoenix area, or (800) 827-2464 in all other areas during the hours listed in the More Information section. GO TO MORE INFORMATION SECTION www.bannerbenefits.com 6

Benefit Enrollment 2015 How do I pay for my benefits? You and Banner Health share the cost of your benefits coverage, with Banner Health paying the majority of the cost for most employees. Throughout the year, 401(k), Flexible Spending Account and Health Savings Account contributions are automatically deducted from each paycheck. Your remaining benefits contributions (medical, dental, vision, life and legal) will be deducted from your paycheck, 24 of the 26 pay periods. Benefits contributions are taken on a pre-tax basis (excluding coverage for life/ad&d and legal plan). This reduces your taxable income, which lowers the amount of federal and state taxes withheld from each paycheck. The portion of your premiums for coverage of your domestic partner and his/her children must be paid with post-tax dollars and imputed income will be charged to you. Be sure to check your pay stub to ensure your premium deductions are accurate. When can I make changes to my benefits? You can only change your benefit elections during the year if you have a qualifying event (proof will be required). All changes must be made within 31 days of the event and will take effect the first day of the month following the event other than a newborn who is effective the date of birth. If your event date falls on the first day of the month, your changes will be effective on the event date. Eligible qualifying events include: Changes in your legal marital status Changes in the number of your dependents Changes in employment status Changes in a dependent s eligibility You or your dependent become eligible or ineligible for federal or state premium assistance program funded coverage You or your dependent lose other coverage due to exhaustion of COBRA, loss of eligibility or employer termination of coverage Change in residence or work site that creates a change in your health plan coverage For details about qualifying events, please refer to www.bannerbenefits.com. What happens after I enroll? To receive an electronic confirmation statement, you must provide either a Banner Health or a personal email address during the enrollment process. Otherwise, you will receive a paper confirmation statement in the mail. However, if you elect to receive your confirmation statement listing your 2015 benefits, it is very important that you review the confirmation for accuracy and follow the instructions for making any needed corrections. www.bannerbenefits.com 7

Benefit Enrollment 2015 How do I receive my benefits ID Cards? Depending on your enrollment choices, you will receive the following cards, which will be mailed to your home address: If you are enrolled in one of Banner Health s Choice Plus or Select medical plans, the plan you selected and the dependents you enrolled will all be listed on a single Benefits ID card. The card will be sent by Banner Plan Administration (BPA). You will receive a second copy of the Benefits ID card for your enrolled dependents to share; additional copies may be requested as needed from BPA. You will need to show your card when you visit a doctor or dentist, or when you get a prescription filled. If you are enrolled in the Banner Health Savings medical plan, you will receive an ID card from Blue Cross Blue Shield of Arizona and a debit card for your Health Savings Account from HealthEquity (if new enrollment or your card has expired). If you are enrolled in a Health Care and/or Dependent Care Flexible Spending Account, you will receive a debit card from Discovery Benefits (if new enrollment or your card has expired). If you are enrolled in a dental plan no ID cards will be sent, but you may print a card or find the ID Card App for your smart phone at www.mycigna.com. Please note that no ID cards are issued for any of the other plans; your confirmation statement serves as your proof that you are enrolled. Enrollment Tips Dependent Enrollment All dependents must either have a Social Security number, or you must verify that they do not have one as part of the enrollment process. You must notify the Service Center at Banner Plan Administration immediately when your dependents no longer meet the requirements to be enrolled in a Banner Health benefit plan. If you and your spouse/domestic partner are both employed by Banner Health and eligible for benefits, you can t be covered as both an employee and a spouse/domestic partner. There is no reason to pay twice for coverage when Banner Health will only make one payment for your claims. For the same reason, only one of you can enroll your dependent children in the plans. Even if your dependents are enrolled in your medical plan you can make separate coverage decisions for other benefits. For example, you can elect to cover you and your eligible dependents for medical however you may want to cover only yourself and your spouse for vision, and only yourself for life/ad&d. www.bannerbenefits.com 8

Benefit Enrollment 2015 Dependent Verification Banner Health must ensure that everyone enrolled in our plans meets the eligibility requirements. During enrollment you must make sure your dependents are eligible to participate in our plans. Details about dependent eligibility and required documentation are available on www.bannerbenefits.com. Tobacco Usage and Premiums The enrollment system will assume that every enrolled member uses tobacco products, and will charge you at Tobacco User rates. During enrollment, you may change that status by affirming that each covered individual does not use tobacco products. If you or a covered dependent uses a tobacco product, then you may still qualify for the Non Tobacco User discount, if you or your dependent quits using those products during the year or participates in a tobacco cessation program offered as part of the Health Plan s wellness program. The tobacco user surcharge is intended to encourage you to stop using tobacco products. If you successfully complete the program (offered at no additional charge), you may be able to avoid the surcharge effective as of the first day of the following month. Contact the Service Center at Benefit Plan Administration to learn more about the wellness program and how to lower your monthly premium. Debt Repayment Authorization Banner Health currently faces challenges in collecting payment for services from our own employees, which impacts the financial health of our company. As a result, Banner Health s policy requires payroll deductions for delinquent accounts for services provided to employees and their enrolled dependents. As a condition of participation in Banner Health s medical plans, employees in Arizona and Colorado will be required to sign an authorization allowing Banner Health to collect overdue payments through payroll deduction when necessary. Banner Health employees located in other states will not be required to sign this authorization at this time. Enrollment in other benefits will not be affected. www.bannerbenefits.com 9

Benefit Enrollment 2015 Find a PCP If you are enrolling in the Choice Plus medical plan you will need to enter a primary care physician (PCP) code for each individual at the time you enroll. This is the only medical plan that requires you to select a PCP during enrollment. You may change your PCP at any time during the year by calling the Service Center at Banner Health Plan Administration (see Banner Health Benefits Contacts on page 39). A list of PCPs who participate in the Banner Health Choice Plus and Select medical plans is available at www.bannerhealthplans.com. A list of PCPs who participate in the Banner Health Savings medical plan is available at www.azblue.com. Consider choosing a PCP who works within Banner Health Centers and Clinics. Choosing these physicians, who are employees of Banner Health Medical Group and are contracted with all of Banner Health s medical plans, gives you access to excellent medical care while also supporting Banner Health. Same-sex Spouses and Pre-tax Coverage The Internal Revenue Service (IRS) issued guidance that same-sex couples, legally married in jurisdictions recognizing same-sex marriages, will be treated as married for federal tax purposes. The ruling applies regardless of whether the same-sex couple lives in a jurisdiction that does not recognize same sex marriage. Banner Health s medical, dental and vision plans that cover an employee s validly-wed samesex spouse will treat the coverage as non-taxable, at least for federal tax purposes, just as the plans treat coverage of opposite-sex spouses. This is true even if the state where the same-sex spouse resides does not recognize the marriage. These same-sex spouses are also entitled to COBRA protection upon a loss of coverage due to divorce or legal separation from the employee. www.bannerbenefits.com 10

MyHR Benefit Modeling Tools Choose the health plan that s right for you Selecting the right medical plan is not as easy as one would think. There are so many factors to consider when making this decision. Choosing the right plan takes time, planning and analysis for your specific circumstance. To assist you in this process, we developed Benefit Modeling Tools, available on MyHR, to make this process much easier and effective! MyHR is an online service available every day to provide you with timely HR assistance. You ll be able to access tools to help you compare benefit plans and calculate costs so you can make the best choices for you and your dependents. You can access MyHR by logging in to Employee Manager Self Service (EMSS), or by using the links at www.bannerbenefits/myhr. Once logged in to MyHR, you will find: A link to your benefits premiums on the front page of MyHR A link to a Medical Cost Calculator to help you estimate your expenses under each of the medical plan options A Compare To tool that allows you to make side-by-side comparisons when more than one plan is offered. To use the tool, select Benefits and then select one medical, dental or vision plan from the list. Click on Compare To in the upper right corner to select additional plans. You can compare specific features of the plan using the list in the navigation bar on the left side. The Benefits Modeling Tools cannot account for your personal situation such as lifestyle, family situation, and health care needs (today and in the future). We encourage you to take the time to review these plans and thoroughly evaluate your options including the Banner Health Savings plan. www.bannerbenefits.com 11

Medical Plans Banner Health makes it a priority to provide you with health plans options that encourage and reward you to take personal accountability for your health. Banner Health offers three medical plans: Banner Health Savings Plan, Select 500 and Choice Plus. The Choice Plus plan is available only in Arizona, Colorado, Nebraska and Torrington, Wyoming. The main difference between our three medical plans is the monthly premiums and the amount you pay out of your pocket at the time of service. Each plan provides excellent coverage with preventive services at 100% coverage, no pre-existing condition exclusions and in and out-of-network benefits. It is important to use in-network providers whenever possible to pay the least amount out of your pocket. To locate providers in the Banner Health network for the Select and Choice Plus plans, access BannerHealthPlans.com and select Provider Search. Banner Health also offers the Banner Health Savings Plan, which qualifies for a Health Savings Account. Information about contracted providers for the Banner Health Savings plan, which includes the Blue Cross Blue Shield of Arizona network of providers, is located on www.azblue.com/bannerprovider. Pharmacy coverage is included in your medical plan election. The pharmacy coverage features one pharmacy network and one formulary (list of covered drugs); copay or coinsurance varies depending on the medical plan you select. Banner Health s pharmacy coverage is administered by MedImpact, and the network includes Banner Health Family Pharmacies that offer discount copays and coinsurance compared to regular prescription pricing at our network-contracted pharmacies. www.bannerbenefits.com 12

Medical Plans Banner Health Savings Plan Banner Health is excited to offer a medical plan that empowers you to build health savings through a lower premium coupled with a Health Savings Account (HSA). This plan encourages you to take a more active part in how you spend and save your health care dollars while managing your health. When reviewing this plan, you should look at this as a multi-year approach to health care that could have future savings advantages. The Banner Health Savings medical plan is a high deductible health plan which empowers you to build health savings through lower monthly premiums. We understand that an HSA-qualified plan may not be as familiar and may seem intimidating with a higher deductible than you are used to. However, the savings for you can be very significant. You may think you cannot afford to pay a higher deductible; however, these types of plans can be affordable due to the lower monthly contributions and Banner Health s contribution to your HSA account. It just takes a little research and understanding of how this plan works when it comes to your out-of-pocket health care expenses. All claims are administered by Blue Cross Blue Shield of Arizona (BCBSAZ), and the plan includes an expanded network made up of Banner Health providers and the BCBS provider network. Deductible A deductible is the amount you need to pay for medical and prescription services before your health plan begins to pay. Deductibles in the Banner Health Savings plan work very much the same as traditional medical plans but with higher dollar amounts. Once you have met your deductible, any claims incurred will be paid at the applicable coinsurance percent. Please see the Medical Summary Charts for in-network for in-network and out-of network coinsurance percentages. GO TO MEDICAL SUMMARY CHART When you visit physicians and other health care providers in-network, your deductible, coinsurance and out-of-pocket maximum will be lower. Your costs will be based on fees that have been negotiated in advance by your medical plan, and the savings can be substantial. Out-of-network providers will charge fees that have not been discounted. In addition, some may charge more than what the network will allow (otherwise known as reasonable and customary charges), and the plan does not provide any benefits for amounts above reasonable and customary charges. As with all our medical plans, we want you and your family to go for your annual physicals and other preventive care services. With the Banner Health Savings plan preventive care is covered at 100%, even if you haven t met your deductible. There are no out-of-pocket costs for services such as annual physicals, well-woman and well-child exams, preventive immunizations and diagnostic services such as mammograms, PAP tests, colonoscopies, and PSA tests. Please review the Summary Plan Description for a list of these services. The Summary Plan Descriptions are posted on the benefits website at www.bannerbenefits.com. www.bannerbenefits.com 13

Medical Plans If you enroll dependents in coverage in the Banner Health Savings plan, you must meet the entire family deductible before the plan pays any benefits. For example, if only one member of your family needs medical care, that family member must incur the full family deductible before the plan begins to pay benefits. It is important to understand this point because in the Choice Plus and Select plans, each individual can meet the individual deductible for coinsurance to apply even if the family deductible has not been met. Coinsurance Coinsurance is your share of the costs for health care service once you have met your deductible. It is a percentage of the total charge for the service provided. Once you have met your deductible, any claims incurred will be paid at the applicable coinsurance percent. Please see the Medical Summary Charts for in-network and out-of network coinsurance percentages. GO TO MEDICAL SUMMARY CHART Prescription Drug Coinsurance Under the Banner Health Savings plan, you are responsible for the full costs of prescriptions until you meet the annual deductible. Once you have met the annual deductible, your prescriptions are covered at the coinsurance amount. Then once the annual out-of-pocket maximum is reached the prescriptions will be covered at 100%. Banner Health offers employees enrolled in the Banner Health Savings medical plan access to a network of Banner Health Family Pharmacies and other contracted pharmacies and Banner Health Family Pharmacies. Out-of-Pocket Maximum The annual out-of-pocket maximum is the highest or total amount you will be required to pay towards the cost of your health care in the current plan year. It is there to protect you against large medical expenses. The deductible, coinsurance and copays apply to your out-of-pocket maximum. Once you reach your out-of-pocket maximum, Banner Health will cover 100% of the costs considered to be medically necessary. Please see the Medical Summary Charts for the out-ofpocket maximum. GO TO MEDICAL SUMMARY CHART If you enroll in the Banner Health Savings plan, you save in several ways: Significantly lower monthly medical plan premiums Your HSA contributions are not taxed You earn tax-free interest on HSA balances HSA funds used for qualified medical expenses are not taxed HSA funds are portable and there is no use it or lose it penalty HSA funds can be invested in mutual funds to achieve a higher rate of growth. What is a Health Savings Account (HSA)? The Banner Health Savings plan s design allows you to save for future health expenses (or for retirement) with a Health Savings Account (HSA) that holds many advantages for you. In order to have an HSA, you must enroll in the Banner Health Savings medical plan. An HSA administered by HealthEquity will be opened automatically for you when you enroll in the Banner Health Savings plan. www.bannerbenefits.com 14

Medical Plans The HSA also helps you save for your future with the opportunity to contribute and accumulate tax-free dollars that roll over year after year. This money can be used to pay for qualified medical expenses, taxfree, now and in the future. In addition, your money will stay with you no matter where life takes you because your HSA is portable when you change jobs or retire. Will the deductible-based Banner Health Savings medical plan increase my out-of-pocket expenses? Many people are concerned that their out-of-pocket expenses will increase because of the deductible associated with these plans. In most cases, however, employees will spend the same or less under these plans. Here s why: Preventive care is paid at 100% by the plan You receive provider discounts when you access in-network care There is an out-of-pocket maximum that caps the total amount you pay for all covered medical and prescription drug expenses each year We encourage you to contact our HSA partner, HealthEquity, to conduct a free personal assessment and ask any questions you may have. They are available every hour of every day at (866) 212-4637, or you can research on your own by visiting www.healthequity.com/ed/bannerhealth. Qualified HSA Expenses You can use your HSA to pay for qualified health care expenses incurred on the Banner Health Savings Plan. Any expenses that are covered under your medical plan will apply toward your annual deductible and out-of-pocket maximum. You can use your HSA for other qualified health care expenses too, such as dental or vision expenses, but these expenses will not apply toward your medical plan s deductible or out-of-pocket maximum. You can use the contributions Banner Health makes to your HSA to help pay your qualified out-of-pocket expenses. And, since the money in your HSA rolls If you use HSA money for anything other than over each year, many people will save money to use qualified health care expenses, you will have to pay for future qualified health care expenses or even for regular income tax and a 20% IRS penalty. The IRS retirement. penalty does not apply if you are age 65 or over. A complete list of qualified HSA eligible expenses is defined in IRS publication 502 available at, www.irs.gov/pub/irs-pdf/p502.pdf. Banner Health s Contributions to the HSA Banner Health will contribute dollars to help you start your personal Health Savings Account. And by participating in the biometrics screening, you may also be eligible to earn additional dollars for your Health Savings Account as a wellness incentive, as shown in the chart on the following page. Employee Contributions to the Plan We strongly encourage you to make contributions to your HSA. The savings on employee contributions will help build your Health Savings Account and at the same time lower your taxable wages. You can make pre-tax contributions through payroll deduction. www.bannerbenefits.com 15

Medical Plans With the HSA, you can change your contributions at any time by visiting the online benefits enrollment system. You can also make post-tax contributions directly to HealthEquity. The IRS limits the total amount of money you can contribute to your HSA each year. The chart to the right shows the amounts you can contribute to the HSA in 2015. Coverage Level Total Contribution Amounts Employee only $3,350 Employee + children, Employee + spouse/domestic partner or Family $6,650 Employees who are age 55 or older in 2015 may contribute an additional $1,000 per year to their HSA. The intent is to provide enhanced savings opportunities to individuals who may not have had access to HSAs throughout their careers. Please note the total contribution amounts above include any employer contributions made to your HSA. Banner Health Savings Medical Plan Wellness Incentives Coverage Level 2015 Banner Health contribution to your HSA Additional 2015 Banner Health contribution if you and your enrolled spouse/ domestic partner complete the biometrics screening Total 2015 Banner Health contribution if you and your enrolled spouse/domestic partner complete the biometrics screening EE only $300 $300 $600 EE + children $600 $300 $900 EE + spouse/domestic partner $600 $600 $1,200 Family $600 $600 $1,200 See Wellness & Health Management for proration details based on hire/eligibility date. GO TO WELLNESS SECTION In order to have an HSA, you: Must be covered under a qualified medical plan Must not be covered by Medicare Cannot be claimed as a dependent on anyone else s tax return Cannot be covered by any other medical insurance, such as a spouse s medical plan Cannot be enrolled in a health care Flexible Spending Account (FSA). HSAs Provide Triple Tax Savings There are substantial tax advantages with an HSA: Money deposited into an HSA is exempt from federal income tax, and in most cases, state income tax as well Interest you earn on your HSA money is tax-free Money withdrawn to pay for qualified health care expenses is tax-free. www.bannerbenefits.com 16

Medical Plans Select 500 This medical plan is similar to the Choice Plus medical plan, however, payment by the plan is different. When you use services, you will be required to pay out of your own pocket until you meet the $500 deductible. If you cover yourself, your spouse and five children, and you and your spouse meet the deductible of $500 ($1,000 per family deductible) then the rest of the children have no deductible to meet if they are ill or injured and require medical services. Using an in-network provider for service is the best way to pay the least amount of out of pocket costs. Please review the Medical Summary Charts in this guide. GO TO MEDICAL SUMMARY CHART Remember all Preventive Services (such as immunizations for your children, wellness, etc.) are paid for at 100% by the plan. Please review the Summary Plan Description for a list of these services. The Summary Plan Descriptions are posted on the benefits website at www.bannerbenefits.com. Pharmacy coverage is also provided with this medical plan and you have co-payments due at the time a prescription is filled. A network of Banner Health Family Pharmacies and other contracted pharmacies is available. www.bannerbenefits.com 17

Medical Plans Choice Plus Medical Plan The Choice Plus plan has the highest monthly premiums of all of our medical plans, however has the lowest deductibles. Unlike the Select 500 plan, which requires coinsurance, this plan uses co-payment or copay (a flat amount due) at the time you see a physician or seek other services. A co-payment or copay is a set amount of money determined by the plan each year that is due at the time of the appointment and Banner Health will pay all of the remaining costs (reasonable and customary charges apply) for that service over the co-payment. Co-payment for services varies. For example, under this medical plan it will cost $25 to see a Primary Care Physician (PCP) each time you visit their office, except for preventive services. If your PCP feels you require medical services from a specialist, your PCP must provide the specialist within the Banner Health Network with the needed referral. The co-payment to see a specialist is $50 for each visit. Should you require hospitalization during the calendar year under the Choice Plus medical plan, you are required to first pay a deductible of $250 for individual only. Once you have paid the deductible amount you would then be responsible to pay 15% of the hospitalization costs at a Banner Health Hospital. If you are hospitalized at a non-participating facility you would pay a $250 individual deductible and 30% of the hospitalization costs. If your total charges for all services reach $4,000 for the individual or $8,000 for your dependents, Banner Health will pay the remaining amount of the bill. To view a list of the coverage charges under this plan, please review the Medical Summary Charts in this guide. GO TO MEDICAL SUMMARY CHART Remember all Preventive Services (such as immunizations for your children, wellness, etc.) are paid for at 100% by the plan. Please review the Summary Plan Description for a list of these services. The Summary Plan Descriptions are posted on the benefits website at www.bannerbenefits.com. Banner Health Choice Plus medical plan includes three different ways for you to access care. Each option has a different arrangement for sharing costs. If you enroll in Banner Choice Plus, you do not have to choose one of the three options at enrollment; you have access to all three options and make your choice each time you access care. If you are choosing to use an out-of-network provider, you will pay more out of your pocket. Before Banner Health reimburses for out-of-network expenses you must pay the first $750 as a deductible and then you pay 40% of the cost of the service. Pharmacy coverage is also provided with this medical plan and you will have co-payments due at the time a prescription is filled. A network of Banner Health Family Pharmacies and other contracted pharmacies is available. www.bannerbenefits.com 18

Medical Plans Medical Plan Tips Your primary resource is our benefits website, www.bannerbenefits.com, a website available to you and your dependents from any computer with Internet access. This site will include Summary Plan Descriptions and other plan documents, enrollment guide, benefit costs, and links to many other resources. This is where you will enroll in your benefits! Analyze your family medical expenses last year. What medications does your family take each month? What do they cost? Keep in mind trips to the Urgent Care or Emergency Department. What do they cost? Use this information to select the best plan for yourself and your dependents. Log in to MyHR and you ll be able to access some great tools to help you compare benefit plans and calculate costs so you can make the best choices for you and your family. It s available every hour of every day to provide you with timely HR assistance. Enroll in a Health Care Flexible Spending Account if you are selecting Choice Plus or Select 500 plan to help pay for out of pocket costs. Do your dependents live outside of Banner Health s network area? Use the Provider Search tool on www.bannerbenefits.com to find which participating network is best for you. Contact the BPA Service Center with any questions you may have regarding plan coverage prior to enrollment by calling (480) 684-7070 or (800) 827-2464. For questions about the Banner Health Savings plan, contact Blue Cross Blue Shield of Arizona at (855) 801-4637, or visit www.azblue.com. For questions about the Health Savings Account (HSA) that comes with the new Banner Health Savings medical plan, we encourage you to contact our HSA partner, HealthEquity, to conduct a free personal assessment and ask any questions you may have. They are available every hour of every day at (866) 212-4637, or you can find information at www.healthequity.com/ed/bannerhealth. Choosing a Banner Health Family Pharmacy (where available) will save money for you and your dependents. Learn more at www.bannerhealth.com/pharmacy. www.bannerbenefits.com 19

Banner Health Savings Plan In-Network Coverage Out-of-Network 1 How the Plan Works Annual deductible and coinsurance apply Annual deductible and coinsurance apply Choice of Providers Your choice of any Banner Health or BCBS participating provider Your choice of any provider Annual Deductible Out-of-Pocket Maximums 2 Office Visits $2,000 Individual Only $4,000 Family $4,000 Individual Only $8,000 Family After deductible, you pay 10% at a Banner Health facility 20% at a BCBS participating provider $4,000 Individual Only $8,000 Family $ 8,000 Individual Only $16,000 Family After deductible, you pay 50% Annual Well Woman Exam (physical exam and Pap smear) Covered at 100% Covered at 100% Maternity Care Prenatal Care Provider Delivery Room and Board for Mother and Baby In office Prenatal care ONLY, after deductible, you pay Covered at 100% at Banner Health providers 20% at BCBS participating providers Provider Delivery/Room and Board, after deductible, you pay 10% at a Banner Health facility 20% at BCBS participating facilities After deductible, you pay 50% Preventive & Routine Care Covered at 100% Covered at 100% Lab & X-Ray (some procedures require pre-certification) Urgent Care Emergency Care (includes professional fees) Inpatient/Outpatient Hospitalization (some procedures require pre-certification) Complementary Medicine (nutrition counseling, acupuncture, chiropractic and naturopathic care included) After deductible, you pay 10% at a Banner Health facility 20% at a BCBS participating provider After deductible, you pay 10% at a Banner Health Providers 20% at a BCBS participating provider Cost share depends on provider s network status After deductible, you pay 10% at a Banner Health facility 20% at a BCBS participating facility After deductible, you pay 10% at a Banner Health facility 20% at a BCBS participating provider Nutrition Counseling - Deductible and coinsurance are waived Covered at 100% Chiropractic - After deductible, you pay 20% at in-network providers Acupuncture - After deductible, you pay 10% at a Banner Health Facility 20% at in-network providers Naturopathic - After deductible, you pay 10% at a Banner Health provider ($750 limit) 20% at in-network providers ($750 limit) After deductible, you pay 50% After deductible, you pay 50% After deductible, you pay 20% After deductible, you pay 50% Nutrition Counseling - Deductible and coinsurance are waived Covered at 100% Chiropractic - After deductible, you pay 50% Acupuncture - After deductible, you pay 50% (no dollar limit) Naturopathic - After deductible, you pay 50% (no dollar limit) Pharmacy Banner Family Pharmacies After deductible, you pay 31 day supply Generic - 10% Preferred Brand - 10% Non-formulary - 10% 93 day supply from mail order Generic - 10% Preferred Brand - 10% Non-formulary - 10% MedImpact Retail Pharmacies After deductible, you pay 31 day supply Generic - 20% Preferred Brand - 20% Non-formulary - 20% 93 day supply Generic - 20% Preferred Brand - 20% Non-formulary - 20% Does Not Apply Mental Health - Inpatient Services and Substance Abuse Treatment After deductible, you pay: 10% at a Banner Health facility 20% at Cigna network providers After deductible you pay 50% Mental Health - Outpatient Services and Substance Abuse Treatment After deductible, you pay: 20% at Cigna network providers After deductible you pay 50% 1 The plan provides coverage up to the allowable charge for eligible expenses, based on the Claims Administrator s Allowed Charge Schedule. The member is responsible for the applicable coinsurance plus any amount above the allowable charge when care is received from a non-participating provider. 2 Out-of-Pocket Maximums include deductible, coinsurance, and any applicable medical or behavioral health copays. www.bannerbenefits.com 20

Banner Select $500 In-Network Coverage Out-of-Network 1 How the Plan Works Annual deductible and coinsurance apply Annual deductible and coinsurance apply Choice of Providers Your choice of any participating provider Your choice of any provider Annual Deductible Out-of-Pocket Maximums 2 $ 500 Individual Only $1,000 Family $4,000 Individual Only $8,000 Family $1,000 Individual Only $2,000 Family $8,000 Individual Only $16,000 Family Office Visits After deductible is met, you pay 25% After deductible, you pay 50% Annual Well Woman Exam (physical exam and Pap smear) Covered at 100% Covered at 100% Maternity Care In-office prenatal care and doctor delivery covered at 100%; after deductible is met, you pay room and board 15% at Banner Health hospitals 25% at non-participating After deductible, you pay 50% Preventive & Routine Care Covered at 100% Covered at 100% Lab & X-Ray (some procedures require pre-certification) After deductible is met, you pay 15% at a Banner Health facility 25% at a Banner Health participating provider After deductible, you pay 50% Urgent Care Deductible waived, covered at 100% after $50 copay Deductible waived, covered at 100% after $80 copay Emergency Care (includes professional fees) $150 copay per visit at Banner Health facilities, waived if admitted. $150 copay, waived if admitted Inpatient/Outpatient Hospitalization (some procedures require pre-certification) Complementary Medicine (nutrition counseling, acupuncture, chiropractic and naturopathic care included) After deductible is met, you pay 15% at a Banner Health facility 25% at a Banner Health participating provider 50% without pre-certification Nutrition Counseling - Covered at 100% Chiropractic - Maximum of 20 visits per year Acupuncture - Maximum of 20 visits per year Naturopathic - $30 copay per visit ($750 annual maximum) After deductible, you pay 50% Nutrition Counseling - Covered at 100% Chiropractic - Maximum of 20 visits per year Acupuncture - Maximum of 20 visits per year Naturopathic - $30 copay per visit ($750 annual maximum) Pharmacy Banner Family Pharmacies 31 day supply Generic - $7.50 copay Preferred Brand - $35 copay Non-formulary - $65 copay 93 day supply Generic - $22.50 copay Preferred Brand - $105 copay Non-formulary - $195 copay 93 day supply from mail order Generic - $18.75 copay Preferred Brand - $87.50 copay Non-formulary - $162.50 copay MedImpact Retail Pharmacies 31 day supply Generic - $10 copay Preferred Brand - $45 copay Non-formulary - $80 copay 93 day supply Generic - $30 copay Preferred Brand - $135 copay Non-formulary - $240 copay Does not apply Mental Health - Inpatient Services and Substance Abuse Treatment After deductible is met, you pay: 15% at a Banner Health facility 25% at Cigna network providers After deductible is met, you pay 50%. Mental Health - Outpatient Services and Substance Abuse Treatment After deductible is met, you pay 25% at Cigna network providers. After deductible is met, you pay 50%. 1 The plan provides coverage up to the allowable charge for eligible expenses, based on the Claims Administrator s Allowed Charge Schedule. The member is responsible for the applicable coinsurance plus any amount above the allowable charge when care is received from a non-participating provider. 2 Out-of-Pocket Maximums include deductible, coinsurance, and any applicable medical or behavioral health copays. www.bannerbenefits.com 21

Banner Choice Plus (where available) Banner Health Option Preferred Provider Option (PPO) Indemnity Option 1 How the Plan Works When you access care through your Primary Care Physician (PCP), many services are provided at no cost to you or require only a co-payment When you access care through a Banner Health selected provider, without a referral from your PCP, you will be responsible for meeting an annual deductible and paying coinsurance for those services If you choose to access services from a nonparticipating provider, you will be responsible for a higher deductible, coinsurance, and amounts over the plan s allowable charges Choice of Providers You access care through your selected PCP (chosen from the Banner Health network of providers) You select a PPO provider from the list of participating providers (no PCP referral needed) You select a provider not in the Banner Health or PPO provider networks (no PCP referral needed) Direct Access to Specialists PCP referral is required PCP referral is NOT required PCP referral is NOT required Annual Deductible $250 Individual Only (Hospitalization Only) $500 Family (Hospitalization Only) $250 Individual Only $500 Family $ 750 Individual Only $1,500 Family Out-of-Pocket Maximums $4,000 Individual Only $8,000 Family $4,000 Individual Only $8,000 Family $ 8,000 Individual Only $16,000 Family Office Visits Covered at 100% after copay, deductible waived $25 copay per PCP visit $50 copay per Specialist visit when referred by PCP After deductible, you pay $25 copay per PCP visit $50 copay per Specialist After deductible, you pay 40% Annual Well Woman Exam (physical exam & Pap smear) Covered at 100% Covered at 100% Covered at 100% Maternity Care In-office prenatal care and doctor delivery covered at 100%. Hospitalization covered at 100% after $140 copay In-office prenatal care, doctor delivery and hospitalization you pay 20% after deductible In-office prenatal care, doctor delivery and hospitalization you pay 40% after deductible Preventive & Routine Care Covered at 100% Covered at 100% Covered at 100% Lab & X-Ray (some procedures require precertification) Covered at 100% after $20 copay per visit at a Banner Health network participating provider except for $50 copay for CT, MRI or PET Scan; deductible waived After deductible, you pay 20% at a Banner Health network facility or 30% at a non-participating facility After deductible, you pay 40% Urgent Care Covered at 100% after $50 copay per visit at a Banner Health network participating Urgent Care Center; deductible waived Deductible waived, covered at 100% after $80 copay Deductible waived, covered at 100% after $80 copay Emergency Care (includes professional fees) $140 copay per visit at a Banner Health facility ($345 at non-participating facilities), waived if admitted $345 copay, waived if admitted $345 copay, waived if admitted Inpatient/Outpatient Hospitalization (some procedures require pre certification) After deductible, you pay 15% at a Banner Health facility After deductible, you pay 30% at a nonparticipating facility (pre-certification is required) After deductible, you pay 40% (pre-certification is required) Complementary Medicine (nutrition counseling, acupuncture, chiropractic and naturopathic care included) Nutrition Counseling - Covered at 100% Chiropractic - Maximum of 20 visits per year Acupuncture - Maximum of 20 visits per year Naturopathic - $30 copay per visit ($750 annual maximum) Nutrition Counseling - Covered at 100% Chiropractic - Maximum of 20 visits per year Acupuncture - Maximum of 20 visits per year Naturopathic - $30 copay per visit ($750 annual maximum) Nutrition Counseling - Covered at 100% Chiropractic - Maximum of 20 visits per year Acupuncture - Maximum of 20 visits per year Naturopathic - $30 copay per visit ($750 annual maximum) Pharmacy Banner Family Pharmacies 31 day supply Generic - $7.50 copay Preferred Brand - $35 copay Non-formulary - $65 copay 93 day supply Generic - $22.50 copay Preferred Brand - $105 copay Non-formulary - $195 copay 93 day supply from mail order Generic - $18.75 copay Preferred Brand - $87.50 copay Non-formulary - $162.50 copay MedImpact Retail Pharmacies 31 day supply Generic - $10 copay Preferred Brand - $45 copay Non-formulary - $80 copay 93 day supply Generic - $30 copay Preferred Brand - $135 copay Non-formulary - $240 copay Does Not Apply Mental Health Inpatient Services and Substance Abuse Treatment Plan pays 100% after $140 copay per admission at a Banner Health hospital facility or Cigna network providers; deductible waived Deductible waived, covered at 100% after $140 copay per admission at a Banner Health hospital facility or Cigna network providers. After deductible you pay 40% Mental Health Outpatient Services and Substance Abuse Treatment Plan pays 100% after $15 office visit copay at Cigna network providers; deductible waived Deductible waived, covered at 100% after $15 copay per visit at Cigna network providers After deductible you pay 40% 1 The plan provides coverage up to the allowable charge for eligible expenses, based on the Claims Administrator s Allowed Charge Schedule. The member is responsible for the applicable coinsurance plus any amount above the allowable charge when care is received from a non-participating provider. 3 Out-of-Pocket Maximums include deductible, coinsurance, and any applicable medical or behavioral health copays. www.bannerbenefits.com 22

Dental Banner Health offers two dental plans to allow you to select a plan that works best for you and your family. The plans offer in-network discounts, while still allowing you the freedom to see the dental providers of your choice. Cigna is our network for our dental services and when you use a network provider you pay less out-of-pocket. Taking care of your dental health is a very important part of your total health care. It is recommended that you visit your dentist every six months for a preventative check-up and cleaning. When selecting a dental plan, consider any services you may need in the next few months. Value Dental Plan* Premier Dental Plan* Network Provider Out-of-Network Provider Network Provider Out-of-Network Provider Choice of Dentists Annual Deductible (waived for preventive care, routine cleanings, X-rays) You may go to any dentist, however you will receive discounted rates at a Network Provider $ 50 per person $150 family You may go to any dentist, however you will receive discounted rates at a Network Provider $50 per person $150 family Routine Exam, Cleaning and X-rays Covered 100% Covered 100% Basic Restorative Care Benefit You pay 10% after deductible You pay 30% after deductible You pay 10% after deductible You pay 30% after deductible Major Restorative Care Benefit You pay 20% after deductible You pay 50% after deductible You pay 20% after deductible You pay 50% after deductible Orthodontia (Not covered) You pay 50%, $2,500 lifetime benefit maximum Annual Maximum Benefit $1,500 per member $1,000 per member $2,500 per member (orthodontia is separate) You pay 50%, $1,500 lifetime benefit maximum $2,000 per member (orthodontia is separate) *The dental plans pay benefits based on usual and customary limits. You will not be issued an ID card for the dental plan. Instead visit www.mycigna.com for plan details. www.bannerbenefits.com 23

Vision Banner Health provides two vision plans to allow you to select a plan that works best for you and your family. The plans offers in-network discounts, while still allowing you the freedom to see the vision providers of your choice. Our vision network is managed by Vision Service Plan and includes local providers, as well as national companies such as Costco and Visionworks. Value Plan Premier Plan Annual Eye Exam Every plan year Every plan year Eyeglass Lenses Every plan year (single, bifocal, progressive) Every plan year (single, bifocal, progressive, polycarbonate, photochromic) Frames Every other plan year Every plan year In-Network Coverage Copay Annual Eye Exam Materials Laser Vision Care (Lasik) VSP Network Allowances Retail Frame Value Elective Contact Lenses Out-of-Network Allowances Annual Eye Exam Single Vision Lenses Bifocal Lenses Trifocal Lenses Frame Elective Contact Lenses Laser Vision Care (Lasik) $10.00 $10.00 Discounted services available $105.00 $105.00 up to $35.00 up to $25.00 up to $40.00 up to $50.00 up to $45.00 up to $100.00 Not covered $10.00 $10.00 Allowance of up to $500 per eye $200.00 $200.00 up to $35.00 up to $25.00 up to $40.00 up to $50.00 up to $45.00 up to $100.00 Allowance of up to $500 per eye Vision Tips For a list of in-network providers in your area, call Vision Service Plan (VSP) at (800) 821-8130 or go to www.vsp.com. Always confirm your provider is contracted before your appointment. You will not be issued an ID card for the vision plan. Instead, your VSP provider will need your Banner Health employee ID number. www.bannerbenefits.com 24

Flexible Spending Accounts (FSAs) Flexible Spending Accounts Banner Health s Flexible Spending Accounts (FSAs) can help you save money. By paying for eligible health care and dependent care expenses for you or your qualified dependents with an FSA, you reduce your taxable income and pay no federal, state or Social Security taxes on the money used for those expenses. You can contribute from $100 up to $2,500 into the Health Care FSA or $5,000 in the Dependent Care FSA. Health Care FSA Save money and spread your out-of-pocket costs over the year with a Health Care FSA. You can use the Health Care FSA for eligible medical, pharmacy, dental and vision expenses for you and your dependents that are not covered by your plans. This includes the cost of copays, coinsurance, eyeglasses, contact lenses, orthodontia, chiropractic care, and eligible over-the-counter drugs. Dependent Care FSA (Day Care Expenses) You can use the Dependent Care FSA to pay eligible child care (up to age 13) and elder care expenses that you incur because you and your spouse work. Please note this account cannot be used for health care expenses for dependents. FSA Benefits Debit Card - If you enroll for a Flexible Spending Account for 2015, you will automatically receive a free Benefits Debit Card to present at the time you pay for eligible expenses. You pay no money up front, and you don t have to wait to be reimbursed. You may still need to mail or fax proof of your expenses, so be sure to keep your receipts. FSA vs HSA If you enroll in the new Banner Health Savings medical plan for 2015 you must use your Health Savings Account (HSA), rather than the Health Care Flexible Spending Account, to fund your medical expenses, in order to comply with Internal Revenue Service (IRS) guidelines. www.bannerbenefits.com 25

Flexible Spending Accounts (FSAs) How the FSAs work 1. You decide how much to contribute from $100 up to $2,500 into the Health Care FSA, or up to $5,000 in the Dependent Care FSA. 2. Your contributions are made through convenient payroll deductions throughout the calendar year on a pre-tax basis. 3. When you have an eligible expense, you may submit a claim form along with an itemized receipt or proof of the expense. You will be reimbursed with tax-free dollars through your choice of a mailed check or direct deposit. 4. You may use your Benefits Debit Card to pay for eligible expenses. This eliminates the need to submit the claim form for reimbursement because the amount will be deducted from your balance automatically. You may be required to submit your itemized receipts to show proof that the charges are on the approved list of eligible expenses. Health Care The total amount you choose to set aside for the Health Care FSA is immediately available to cover eligible expenses. For example, if your coverage begins Jan. 1 and you receive a new pair of eyeglasses in January, you can be reimbursed for the full cost as long as your annual contribution amount is enough to cover the full cost. Dependent Care Your claims for dependent day care expenses will be reimbursed only if there s enough money in your Dependent Care FSA. 5. You must use all of the money you contribute to the FSAs for expenses incurred during that same plan year, or you will lose the money left in your account at the end of the year. Flexible Savings Accounts Tips Health care expenses for your dependents are reimbursed from your Health Care FSA, not the Dependent Care FSA. Estimate carefully! You will forfeit any money left in your FSAs at the end of the year. Go back through your receipts from last year to help you estimate, or contact your providers for help in determining how much you ve spent. In some cases, the federal Child Care Tax Credit may provide a better tax break than the Dependent Care FSA, particularly if you are in a lower tax bracket. Consult a tax advisor to determine the best approach for you. For the Dependent Care FSA, special rules apply if you are married and your spouse is disabled or a full-time student, or if your spouse has set up a similar spending account with his/her employer. Using your free Benefits Debit Card eliminates paying with cash and requesting a reimbursement, however be sure to keep your receipts because they may need to be submitted as proof that your dollars were spent on eligible products or services. For details about eligible expenses under the FSAs, call (866) 451-3399, or visit www.discoverybenefits.com. www.bannerbenefits.com 26

Wellness & Health Management Wellness & Health Management A wide variety of wellness opportunities, such as exercise programs and flu shots, are available across the system. Wellness programs offered by ECHO (Employees Choosing Healthy Options) are voluntary and your personal information is always kept confidential. One of the most important wellness offerings is the free Know Your Numbers biometrics screening, which will not only help you learn more about your personal health status but can also earn you wellness incentives, as shown later in this section. For additional information about this and other wellness programs, visit www.bannerbenefits.com. Lifestyle Programs Help You Manage Your Health As part of our focus on health management and personal accountability, Banner Health wants to provide you with resources to help create or maintain a healthy lifestyle. Whether you re looking for help with weight, tobacco or stress management, Banner Health s Lifestyle Management Programs are here for you. Offered through CareAllies, a Cigna program for Banner Health, each program is confidential, easy to use, available where and when you need it and always at no cost to you. Lifestyle Management Programs are available to all Banner Health employees. Spouses, domestic partners or other dependents that are currently enrolled in a Banner Health medical, dental or vision plan may also participate. You must be age 18 or older to participate. Online and phone-based versions of these free programs are available. To learn more, register at https://bannerhealth.mycareallies.com/ or call (800) 633-5954. www.bannerbenefits.com 27

Wellness & Health Management Know your Numbers Earn 2015 Wellness Incentives As part of our ongoing commitment to employee wellness, personal accountability and health management, Banner Health offers an incentive in 2015 for completion of a Know Your Numbers biometrics screening. Banner Health has expanded eligibility for biometrics screenings to include spouses or domestic partners who are enrolled in one of the 2015 Banner Health medical plans. If your spouse/ domestic partner will be enrolled in your 2015 Banner Health medical plan, both of you must complete biometrics screenings in 2014 in order for any incentive to be paid, and all incentive dollars are payable to the Banner Health employee. You have two options for completing biometrics: Free screenings are offered at Banner Health locations system-wide by members of our ECHO team. Under this option, your screening, including your blood draw, must be completed by the end of Annual Enrollment. If you are enrolling for 2015 benefits during the Annual Enrollment period in the fall of 2014. Employees who are hired or become eligible after the annual enrollment period may complete screenings by Nov. 20, 2015; the sooner you complete the screening, the sooner you will receive the incentive. Your primary care physician may complete your biometrics screening and blood draw. You will be responsible for all costs, and for collecting and submitting all completed paperwork. Your deadline to submit all results from your physician screening and blood work is the same as those for screenings conducted by Banner Health. To schedule your free biometrics screening with ECHO, find the forms for your physician screening, or to learn more about biometrics and wellness programs, visit the Manage My Health section on the front page of www.bannerbenefits.com, and click on the Schedule Biometrics button. Wellness programs offered by ECHO are voluntary and your personal information is always kept confidential. The charts on the next two pages show the 2015 incentive opportunities available to you. Employees who complete the biometrics screening and are not enrolled in our benefit plans in 2015 will receive a one-time $50 award. www.bannerbenefits.com 28

Wellness & Health Management Employees who elect the Banner Health Savings Plan Employees hired prior to July 1, 2015 Coverage Level 2015 Banner Health contribution to your HSA Additional 2015 Banner Health contribution if you and your enrolled spouse/ domestic partner complete the biometrics screening Total 2015 Banner Health contribution if you and your enrolled spouse/domestic partner complete the biometrics screening EE only $300 $300 $600 EE + children $600 $300 $900 EE + spouse/domestic partner $600 $600 $1,200 Family $600 $600 $1,200 If enrolling during Annual Enrollment, one half of the award made on first pay period in January. For later enrollees, one half of the award made after date of hire. Second half of the award made on first pay period in July. Biometrics screening amount contributed after screening has been completed by the employee and their enrolled spouse/domestic partner. Employees hired after July 1, 2015 and before Nov. 20, 2015 Coverage Level 2015 Banner Health contribution to your HSA Additional 2015 Banner Health contribution if you and your enrolled spouse/ domestic partner complete the biometrics screening Total 2015 Banner Health contribution if you and your enrolled spouse/domestic partner complete the biometrics screening EE only $150 $150 $300 EE + children $300 $150 $450 EE + spouse/domestic partner $300 $300 $600 Family $300 $300 $600 Biometrics screening amount contributed after screening has been completed by the employee and their enrolled spouse/domestic partner. www.bannerbenefits.com 29

Wellness & Health Management Employees who elect the Choice Plus or Select 500 plans Plan Coverage Level Total 2015 Banner Health contribution if you and your enrolled spouse/domestic partner complete the biometrics screening EE only $10 per month Choice Plus Select 500 EE + children EE + spouse/domestic partner $10 per month $15 per month Family $15 per month If you are enrolling for 2015 benefits during the Annual Enrollment period in 2014, your incentive will begin on the first pay period in 2015. For other employees, you will receive your incentive within two pay periods of completion of your screening and lab work. If you have any questions about the process or would like more information regarding the biometrics screening, please email echopreventionandwellness@bannerhealth.com or contact ECHO (Employees Choosing Healthy Options) at (480) 684-5040 in the Phoenix area or (888) 294-4010 in all other areas. Biometrics screenings in 2015 may also qualify you for any incentives offered for 2016. www.bannerbenefits.com 30

Life/AD&D Insurance Life/AD&D Insurance In the event of the death of your covered spouse or child(ren), benefit payments are made to you. In the event of your death, unless you choose a different beneficiary, benefit payments are made in the order listed below: Your spouse Your children (including legally adopted children, but excluding step-children) Your parents Your brothers and sisters Your estate If you want your life/ad&d benefits to be paid in the order listed, you DO NOT need to designate a beneficiary. However, if you wish to change the order of your beneficiaries or choose someone not listed, you must provide a beneficiary designation at the time you enroll online, or by calling the Service Center at Banner Health Plan Administration. If you and your spouse/domestic partner are both employed by Banner Health and eligible for benefits, you can t be covered as both an employee and a spouse/domestic partner for life insurance. For the same reason, only one of you can enroll your dependent children in the life insurance plans. Employee* Coverage Spouse/Domestic Partner (up to a maximum of 50% of your employee coverage amount Child/Children (up to a maximum of 25% of your employee coverage amount) * The current federal tax code requires that if an employee receives more than $50,000 of employer-provided group term life insurance coverage for a period of coverage, then the cost of the insurance in excess of $50,000 less any amount paid by the employee with post-tax contributions is included in the employee s gross income for both federal income tax and FICA purposes. Life Insurance Options 1x annual salary (provided by Banner Health) 2x annual salary 3x annual salary 4x annual salary $ 5,000 $10,000 $15,000 $20,000 $25,000 $50,000 $ 2,500 $ 5,000 $10,000 $15,000 Age reductions in employee coverage apply beginning at age 65. For details, please refer to the Plan Documents at www.bannerbenefits.com. You may change your beneficiary at any time during the year through the online benefits enrollment system or by calling the Service Center at Banner Health Plan Administration. Banner Health offers group term life insurance and we guarantee coverage when you are first eligible to enroll, regardless of your health status. You may increase your coverage by one level during Annual Enrollment or in response to a qualifying event, provided you are not already enrolled for the maximum levels of coverage. www.bannerbenefits.com 31

Legal Plans The legal plan offered by Banner Health provides you and your dependents access to pre-defined professional legal representation at an affordable price. You can choose to receive services from an innetwork legal provider (through Hyatt) or you can go outside the network. Your cost for the legal plan will be collected from your paycheck on a post-tax basis. You are required to stay in the plan for the entire year you elect coverage, unless you have a qualifying event. For more information visit www.legalplans.com (password 3090010) or call Hyatt at (800) 821-6400. Legal Tips Consider enrolling for this plan if you need assistance with creating or updating create or update your will, power of attorney or medical power of attorney, or for consumer protection and debt matters. www.bannerbenefits.com 32

Retirement Plans Banner Health provides you with an avenue to save for your retirement future with valuable tax advantages. This can be a significant savings on your annual income taxes depending on the amount of your contribution to the plan. During your first month of employment, you will receive an enrollment letter in the mail congratulating you on joining Banner Health and giving the Three easy steps to enroll in the Banner Health 401(k) Savings plan. You will also receive a follow-up post card as a reminder that you re eligible to enroll in the Plan. However, if you wish to enroll right away you can do so by contacting Fidelity at (800) 343-0860 or going online at www.netbenefits.com/bannerhealth. At your one year anniversary you will receive a reminder letter if you have not enrolled letting you know you are eligible and showing a grid of how easily your money can grow even if you contribute a small amount. Please keep in mind that Banner Health will match dollar for dollar on the first 4% of your pre-tax 401(k) contributions per pay period. The first 4% of your contributions must be taken on a pre-tax basis 401(k) and, if you choose, you may contribute after tax Roth 401(k) dollars for any percentage over 4%. Or make all contributions through pre-tax dollars. See each section 401(k) and Roth 401(k) for highlights. Or for more details, access the Summary Plan Description (SPD) on www.bannerbenefits.com. Banner Health provides an added savings boost beginning with the first check following your one year anniversary. The company matches dollar for dollar of the first 4% of your 401(k) pre-tax contribution after one year of employment. www.bannerbenefits.com 33

Retirement Plans Funds outside Banner Health: If you worked for another company during the current year, keep in mind that what you have contributed to their 401(k) will be consider part of the annual contribution limit that you can make to any 401(k) plan. Contact Fidelity at (800) 343-0860 for assistance in determining how much you can contribute for the remainder of the year. If you have funds in other 401(k) plans through former employers you may be eligible to roll those funds into the Banner Health plan. Contact Fidelity at (800) 343-0860 for information on rollovers. Banner Health cares about you and we offer several options to help you plan for your future retirement through no cost featured options. These options are as follows: Attend online webinars throughout the year sponsored by Fidelity. You may view the upcoming events and register for the webinar at http://e-learning.fidelity.com Onsite one-on-one meetings. Watch the employee website for your facility showing dates, times and a link to schedule an appointment. Onsite workshops during our April annual retirement month. For dates and times at your entity, watch enews and the employee website. Contact Fidelity at (800) 343-0860 for possible locations in your area of Fidelity Retail Centers. 401(k) Plan Highlights: Our plan is administered by Fidelity Investments. In order to enroll in our plans you must be 18 years of age or older. You can contribute up to 100% of your eligible compensation per pay period to an annual contribution limit of $18,000 for 2015. If you are age 50 or older on Dec. 31 of the current year, you can make an additional catch-up contribution of $5,500 which would bring your total annual contribution limit of $24,000 for 2015. You can enroll, make changes or stop your contributions at any time. You can access your account and perform transactions online or by phone 24 hours a day, seven days a week by calling (800) 343-0860 or at www.netbenefits.com/bannerhealth. After one year of employment, Banner Health matches your pre-tax contributions dollar for dollar up to the first 4% of your pay contributed, which includes overtime, shift differential and on-call pay. Matching contributions are made each pay period and begin with the first paycheck after your first anniversary of employment. You can invest all contributions, including matching contributions and rollovers, if any, in your choice of available investment funds. www.bannerbenefits.com 34

Retirement Plans If you do not specify the investment funds when you enroll your contributions will be defaulted into the Fidelity Freedom Fund that is close to when you will turn 65. You are immediately 100% vested in all contributions to your account, which means you own the funds in your account (including the Banner Health match)! Roth 401(k) Highlights: Banner Health s 401(k) plan gives you the option to contribute post-tax dollars to a Roth 401(k). Contributions to the Roth 401(k) use post-tax dollars. You must contribute 4% pre-tax dollars to the 401(k) first before any percentage can be designated for post-tax contributions in the Roth 401(k). The Roth 401(k) contributions are NOT matched by Banner Health. Only the first 4% of the 401(k) pretax contribution is matched by Banner Health. The Roth 401(k) is NOT your typical IRA (Roth) plan. It is a component of the 401(k) plan offered through Banner Health. Since this is a component of the 401(k) it will not show as a separate line item on your statement or online at Fidelity. It is a combined total of your contributions to the plans. Any dollars you contribute during the current year are totaled with the 401(k) for the combined IRS allowed maximum contributions. However, the company match is not part of the annual limit. You can contribute to $18,000 if under 50 or $24,000 over 50 to the plan for 2015. IRS Annual Limits and Retirement Plans Enrollment IRS annual contribution limits for 2015 are $18,000 if you are below the age of 50, and $24,000 if you are age 50 or older on Dec. 31 of the plan year. There is also an eligible compensation limit. Please contact Fidelity at (800) 343-0860 or visit www.netbenefits.com/bannerhealth to enroll in the retirement plans. Eligible compensation only applies to regular hours, overtime, shift differential and on-call pay. If there should be a bonus incentive those dollars are not considered to be eligible compensation and would not have contributions to the plan withheld. While you can contribute up to 100% of your eligible compensation each pay period, keep the annual contribution limit in mind. This is very important after your first year anniversary, and years beyond, as the company match will stop once you have met your annual contribution limit. Fidelity will be able to assist you with calculating your contributions to maximize both your annual limit and the company match. www.bannerbenefits.com 35

Retirement Plans Remember the annual contribution limit includes the Roth 401(k) however not the company match. Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges and expenses. For this and other information, call or write Fidelity for a free prospectus. Read it carefully before you invest. You can find Fidelity s contact information and more details about your Banner Health retirement plan benefits at www.bannerbenefits.com. Or schedule a one-on-one session with one of our Fidelity representatives when they visit your location; visits are announced in enews and on the employee website. It is not necessary to specify your investment funds when you enroll. And changes can be made to contributions percentages and investments at any time. If you do not know the investment funds to designate your contributions to the Fidelity system will automatically default your contributions to the Fidelity Freedom Funds with the target date closest to the year in which you will reach age 65. For more information about these funds visit the website at www.netbenefits.com/bannerhealth or contact Fidelity at (800) 343-0860. Retirement Plan Tips You should actively designate your 401(k) plan beneficiary when enrolling in the plan. This avoids any problems in the future if something were to happen to you. In support of Banner Health s Print Smart campaign, we encourage you to add an email address to the Fidelity system when you enroll in the plan(s) so that we can send your plan information electronically. It is very important to keep your address information current in Employee Manager Self Service. It is required by law that certain retirement plan information be sent via the United States Postal Service. Our payroll system is automatically set to stop when you reach the maximum contributes for the year or you reach the maximum eligible compensation limit, whichever comes first. www.bannerbenefits.com 36

Other Benefits Leave Plans Banner Health provides Paid Time Off, Short Term Disability and Long Term Disability coverage for eligible employees; no enrollment is required. Details of the plans are available at www.bannerbenefits.com. Employee Assistance Program (EAP) Banner Health s Employee Assistance Program (EAP) is a free confidential resource available to you, your dependents, and all members of your household. Provided through Cigna Behavioral Health, representatives are available by phone 24 hours a day, 365 days a year by calling a phone number established exclusively for Banner Health employees. To access EAP, call (800) 633-5954 or visit www.cignabehavioral.com. Learning Opportunities Banner Health supports professional development and lifelong learning through a number of programs. Visit Banner Health s employee website or contact your Human Resources office for details on the programs and resources offered in your area. Voluntary Benefits Banner Health offers a number of voluntary benefit plans to provide you with even more options to address your personal priorities. For more information visit www.bannerbenefits.com. Bright Horizons Use Sittercity s extensive network of over one million nationwide caregivers to find local providers for childcare, elder care, pet care, housekeeping and tutoring services available 24 hours a day, seven days a week. Sittercity can provide you with caregiver related background checks, locations and payment requirements. For details, visit www.sittercity.com/banner. Beneplace Banner Health s Discounts and Services Beneplace website provides exciting opportunities for you to save money on products and services you use every day. Accessing Beneplace is easy. There is no password or ID number required. Visit www2.beneplace.com/bannerhealth to start saving today. www.bannerbenefits.com 37

More Information Banner Health Benefits Website - Plan information, including Summary Plan Descriptions which list covered and excluded services, is available at www.bannerbenefits.com. Service Center at Banner Health Plan Administration - The Service Center team members at Banner Health Plan Administration can assist you with questions about the plans and the enrollment process. Call (480) 684-7070 in the Phoenix area, or (800) 827-2464 in all other areas. You can also contact the Service Center by email at Benefits@BannerHealth.com. Banner Health Benefits Contacts - For detailed information from individual plan vendors, please refer to the phone numbers and websites listed on the next page. Summary of Benefits and Coverage/Uniform Glossary - To make it easier for you and other consumers to compare medical plans, the Affordable Care Act, also commonly known as health care reform legislation, requires all commercial and self-insured health plans to prepare a four-page (double-sided) summary of each health plan, referred to as a Summary of Benefits and Coverage (SBC). All plans must create their SBCs using a standard format and language. The Uniform Glossary is a four-page companion document which must be made available to all employees. This glossary has been prepared by the Department of Health and Human Services. The SBC and Uniform Glossary must be provided in a second language if requested by an employee who lives in a county where 10% or more of the population is fluent in a second language. More information is available in the Resources tab of our benefits website, www.bannerbenefits.com. www.bannerbenefits.com 38

Banner Health Benefits Contacts Contact Phone Number Website Benefits Enrollment - The Service Center at Banner Plan Administration (480) 684-7070 Phoenix area, (800) 827-2464 all other areas www.bannerbenefits.com (click the Enroll button) COBRA - Discovery Benefits (866) 451-3399 www.discoverybenefits.com Cigna Dental 1-800-CIGNA24 (800-244-6224) www.mycigna.com Employee Assistance Program (EAP) Cigna (Counseling, Crisis Intervention, Financial and Legal Consults) (800) 633-5954 www.cignabehavioral.com (use BannerHealth for your employer ID and type the word employee for your PIN) Employee Discounts Beneplace Available online only www.beneplace.com/bannerhealth Flexible Spending Accounts Discovery Benefits (866) 451-3399 www.discoverybenefits.com Health Savings Accounts - HealthEquity (866) 212-4637 www.healthequity.com/ed/bannerhealth Leave Plans - Cigna Leave Solutions (FMLA,LOA,STD,LTD) (888) 842-4462 (866) 562-8421 (Spanish) www.mycigna.com Legal Plan Hyatt (800) 821-6400 www.legalplans.com New enrollees: click on Thinking About Enrolling, use password 3090010 Current enrollees: click on Members Log In Medical Plans (Banner Health Savings Plan) - Blue Cross Blue Shield of Arizona (855) 801-4637 www.azblue.com Medical Plans (Choice Plus and Select) - Banner Plan Administration (480) 684-7070 Phoenix area, (800) 827-2464 all other areas www.bannerbenefits.com www.bannerhealthplans.com Pharmacy - MedImpact (888) 783-1767 https://mp.medimpact.com/ban Plan Documents Retirement Plans - Fidelity 401(k) and 403(b) plans Sittercity (Online search tool for care providers, through Bright Horizons Care Advantage) (480) 684-7070 Phoenix area, (800) 827-2464 all other areas (800) 343-0860 (877) 297-3017 (Spanish) Available online only www.bannerbenefits.com www.netbenefits.com/bannerhealth www.careadvantage.com/banner Vision Plans - Vision Service Plan (VSP) (800) 877-7195 www.vsp.com Voluntary Benefits - Spring Group (800) 360-1961 www.springgroup.com/bannerhealth This Contact Sheet can be found on the Contact Us tab of www.bannerbenefits.com. www.bannerbenefits.com 39