CARING FOR YOUR FUTURE

CARING FOR YOUR FUTURE Make Informed Choices 2016 ENROLLMENT GUIDE

TABLE OF CONTENTS Annual Open Enrollment for 2016 Benefits: October 14-30, 2015 Benefits Website www.sclhealthbenefits.org SCL Health HR Service Center 1-855-412-3701 or 303-813-5250 Representatives are available Monday through Friday, 7:30 a.m. - 5 p.m. Mountain Time Trouble logging into Lawson Employee Self Service (ESS)? Help Desk or TAC 1-855-866-8282 HOW DO I NAVIGATE ENROLLMENT SUCCESSFULLY?........... 3 Enrollment Checklist...3 KEY UPDATES TO BENEFITS IN 2016...4 BENEFITS AT A GLANCE...4 WHAT HAPPENS DURING ENROLLMENT?...6 Annual Open Enrollment for Current Associates...6 Enrollment for New Associates...6 Enrollment for Rehired or Newly Benefits-Eligible Associates...7 Can I Make Changes or Add Benefit Elections During the Year?...7 BENEFITS ELIGIBILITY...8 Am I Eligible for Coverage?...8 Can I Elect Coverage for my Family?...8 Legally Domiciled Adults and Their Children...9 WHICH ID CARDS WILL I RECEIVE?...10 WELLNESS BENEFITS... 11 MEDICAL BENEFITS...13 KNOW HOW YOUR MEDICAL PLAN WORKS...15 Cigna CDHP with HRA (Choice Fund Open Access Plus Plan)...17 Cigna PPO Plan (Cigna Open Access Plus Plan)...19 Kaiser Permanente EPO Plan (Denver employed associates only)...20 PHARMACY BENEFITS... 21 MEDICAL PREMIUM ASSISTANCE PROGRAM...23 DENTAL BENEFITS...24 VISION BENEFIT...25 FLEXIBLE SPENDING ACCOUNTS (FSAs)...26 LIFE INSURANCE AND AD&D COVERAGE...28 DISABILITY BENEFITS...30 LEGAL BENEFITS... 31 EMPLOYEE ASSISTANCE PROGRAM (EAP)... 31 BENEFIT PLAN PROVIDERS CONTACT LIST...32 2016 BENEFITS RATES.....................................33 2 2016 ENROLLMENT GUIDE INDEX BACK NEXT

HOW DO I NAVIGATE ENROLLMENT SUCCESSFULLY? Enrollment Checklist When it comes to choosing your benefits, you can choose whatever best meets your needs. Here s a checklist to help you get started. o STEP 1: Review your current benefits and how you and your family have been using them. o STEP 2: Consider 2016 medical, dental, vision, life insurance and disability care needs for you and your family to help choose the 2016 plans that are best for you and to identify how an FSA contribution may benefit you. m Cigna s website (www.cigna.com) and Kaiser s website (www.kp.org) have tools to help you estimate your healthcare costs. o STEP 3: Read the 2016 Enrollment Guide to learn about SCL Health s benefits and to understand changes in plan designs and costs of premiums, deductibles, copayments and coinsurances in 2016. m Review the Key Benefits Updates in 2016, Benefits at a Glance, and What Happens During Enrollment? sections as great starting points. o STEP 4: Review dependent eligibility in the Enrollment Guide or on the benefits website to be sure your dependents can be enrolled. o STEP 5: Determine if your current providers are within the SCL Health Network (Tier 1). Go to the benefits website at www.sclhealthbenefits.org to access the network provider directories. o STEP 6: Review regulatory notices located on the benefits website and in the Enrollment Guide to make sure you are in the know of important benefits changes. Annual Open Enrollment for 2016 Benefits: October 14-30, 2015 Benefits Website www.sclhealthbenefits.org SCL Health HR Service Center 1-855-412-3701 or 303-813-5250 Representatives are available Monday through Friday, 7:30 a.m. - 5 p.m. Mountain Time Trouble logging into Lawson Employee Self Service (ESS)? Help Desk or TAC 1-855-866-8282 o STEP 7: Attend a Benefits Fair and bring questions to discuss with our benefit partners. Fairs are scheduled for October 2015. See the benefits website or contact your local HR representative for schedule details. o STEP 8: Contact the HR Service Center if you still have questions after reading the Enrollment Guide or visiting a Benefits Fair. You can reach the HR Service Center at 303-813-5250 or toll free at 855-412-3701. o STEP 9: Enroll and/or make changes to your benefits. A. For current or new associates: log in during Annual Open Enrollment (for current associates) between Oct. 14-30, or within 31 days of your start date (for new hires). m Enroll in benefits or make benefit changes that meet your needs. m Add or update your beneficiaries and dependents. Use this opportunity to drop dependents who are no longer eligible for coverage. NOTE: Social security numbers of your dependent(s) will be required at the time of enrollment. m If you want to take advantage of a tax-free Flexible Savings Account (FSA) for 2016, you must sign up during the Enrollment Period. B. For rehired or newly benefits-eligible associates: Complete an enrollment form and submit it to the HR Service Center. Find the enrollment form on the benefits website or receive it by contacting the HR Service Center. ostep 10: If you need help paying for premiums, find out if you qualify for the Medical Premium Assistance Program. o STEP 11: Review your Confirmation Statement to ensure everything you selected is correct. Open Enrollment closes, a Confirmation Statement (summary of your benefits elections) will be mailed to your home address listed in Lawson. If there are any errors on your confirmation statement, you will have the opportunity to make corrections. Your Confirmation Statement will give details on the correction process you must follow to complete your enrollment. ostep 12: Complete the Dependent Eligibility Audit through HMS to keep your newly added dependents covered under your benefit plans. HMS will reach out to you via your work email and mail to your home address listed in Lawson within 30 days after enrolling your dependent(s). All covered dependents must complete a verification process, so start gathering required documents like marriage certificates and birth certificates. o STEP 13: And finally, improve your own health and wellness in 2016. Participate in preventive care, programs and screenings, and make healthier choices for yourself and your family. This is the best way to reduce your own healthcare costs. 3 2016 ENROLLMENT GUIDE INDEX BACK NEXT

MAKING SMART CHOICES FOR YOU AND YOUR FAMILY Life is filled with important decisions like choosing which benefit plan is best for you and your family. We have introduced changes for 2016, so it is important that you carefully review this enrollment guide and make informed decisions about your benefits coverage for 2016. Key Benefits Changes for 2016 Medical Increase in plan deductibles and out-of-pocket maximums (Details on Page 15) Medical and Pharmacy Cigna PPO and Kaiser Plans: Out-of-pocket maximums will now include medical and pharmacy costs (Details on Page 15) Pharmacy Cigna PPO Plan Pharmacy to be administered through Cigna starting January 1, 2016 (Details on Page 21) Vision Benefit enhancement allowance for frames available every 12 months (Details on Page 25) Short-Term Disability Benefit duration will expand to 180 days (Details on Page 30) Long-Term Disability Benefit will commence after 180 days (Details on Page 30) Premiums Associate contribution amounts will increase for medical and vision plans (Details on Page 34) Do I Have to Make Changes to my Current Benefits? Your current benefits elections, except for FSAs, will remain the same as they are in 2015 at the new 2016 premium rates if you do not make any changes during the annual Open Enrollment period. (Details on Page 6.) Although this is a passive enrollment, we strongly encourage you to actively review this material, weigh your benefit options and make choices that meet the needs of you and your family. Dental Benefit enhancement Increase in annual maximum plan coverage for basic and major care services (Details on Page 24) BENEFITS AT A GLANCE SCL Health offers many different benefits to help you stay healthy and to protect you and your loved ones. Here s a quick glance of benefits offered to you with more details available on the pages listed in the right-hand column. Benefits/Choices Plan Options Choices at a Glance Page Wellness* Automatically enrolled; voluntary participation o SCL Health Wellness Portal o EAP o Cigna Personal Health Team o Cigna Healthy Pregnancy o Cigna Treatment Decision Support o Kaiser Health and Wellness Programs o Quitline Tobacco Cessation These wellness plans are paid by SCL Health and are available all year long. Participation is voluntary. Cigna programs are available to Cigna Medical Plan members and Kaiser programs are available to Kaiser Medical Plan members. Incentives are also available throughout the year to encourage you to participate in certain wellness initiatives such as an annual health risk questionnaire or biometric screening. The medical plan you choose will determine your Pharmacy Plan. Choose from the following levels of coverage: o Associate o Associate + Spouse o Associate + Child(ren) o Associate + Family 11 Medical Enroll in one of three plan options or waive medical coverage o Cigna CDHP Plan o Cigna PPO Plan o Kaiser EPO Plan (Denver only) o Waive Medical Coverage 13 Medical Premium Assistance Program** Apply for assistance if you are eligible, through HR Service Center Dental Enroll in one of three plan options or waive coverage o Medical Premium Assistance Program (if eligible) Available to associates with the following 2015 annual household gross incomes: o Associate-Only Coverage = $37,000 or less o Associate + Dependents Coverage = $43,000 or less 23 o Delta Dental Core Plan o Delta Dental Choice Plan o Delta Dental EPO Plan o Waive Dental Coverage Choose from the following levels of coverage: o Associate o Associate + Spouse o Associate + Child(ren) o Associate + Family 24 4 2016 ENROLLMENT GUIDE INDEX BACK NEXT

BENEFITS AT A GLANCE, continued Benefits/Choices Plan Options Choices at a Glance Page Vision Enroll in or waive coverage o EyeMed Vision Plan o Waive Vision Coverage Choose from the following levels of coverage: o Associate o Associate + Spouse o Associate + Child(ren) o Associate + Family 25 Flexible Spending Accounts Enroll in one account, both accounts or waive coverage o Health Care and/or o Dependent Care o Waive FSA Plans Two account options: health care (general healthcare expenses) and/or dependent care (childcare and eldercare expenses, etc.). 26 Basic Short-Term Disability (STD)* Automatically enrolled o Basic STD Plan Basic Short-Term Disability (STD) is a company-paid benefit, which you are automatically enrolled in. 30 Basic Long-Term Disability (LTD)* Automatically enrolled o Basic LTD Plan Basic Long-Term Disability (LTD) is a company-paid benefit, which you are automatically enrolled in. 30 Buy-Up Long Term Disability (LTD) Enroll in or waive buy-up LTD plan o Optional Buy-Up LTD Plan o Waive Buy-Up LTD Plan Additional Long-Term Disability is available for you to purchase. 30 Basic Life and Accidental Death & Dismemberment* Automatically enrolled o Basic coverage (equal to 1X salary) Basic Life and AD&D Insurance is a company-paid benefit, which you are automatically enrolled in. 29 Supplemental Life and Accidental Death & Dismemberment Enroll in or waive additional coverage for yourself o 1X Salary o 2X Salary o 3X Salary o 4X Salary o 5X Salary o Waive Supplemental Coverage Additional Life and AD&D Insurance coverage is available for you to purchase. 29 Spouse Life and Accidental Death & Dismemberment Enroll in or waive coverage for your spouse o $25,000 o $50,000 o $100,000 o $150,000 o $200,000 o Waive Spouse Coverage Life and AD&D Insurance coverage is available for you to purchase for your spouse. 29 Child Life and Accidental Death & Dismemberment Enroll in or waive coverage for your dependent child(ren) o $5,000 o $10,000 o $25,000 o Waive Child Coverage Life and AD&D Insurance coverage is available for you to purchase for your dependent child(ren). 29 Legal Enroll in or waive legal coverage o Hyatt Legal Plan o Waive Legal Coverage Legal coverage is available for you to purchase for you and your covered dependents. 31 * You are automatically enrolled in Basic STD, Basic LTD, Basic Life and AD&D, and wellness plans like EAP. ** You can elect to participate in the Medical Premium Assistance Program outside of your enrollment period. 5 2016 ENROLLMENT GUIDE INDEX BACK NEXT

WHAT HAPPENS DURING ENROLLMENT? Open Enrollment Reminder Don t forget you must re-enroll in the Flexible Spending Accounts (FSAs) if you want to continue participation in 2016. All of your other 2015 benefit elections will automatically roll over to 2016 if you choose not to make changes during annual Open Enrollment. Annual Open Enrollment for Current Associates Open Enrollment is your once-a-year opportunity to make changes to your benefits elections and covered dependents. Your new benefits elections will be effective January 1, 2016. You can only make changes mid-year if you have a qualifying event*. During annual Open Enrollment, you may: Change, add or drop benefit coverage for you and your eligible dependents. Action required by you: SCL Health utilizes the services of HMS Employer Solutions to verify dependent eligibility. When you add new dependents to SCL Health Medical, Dental, Vision or Life Insurance coverage, you will receive a letter 45-90 days after enrollment detailing the verification process. Unverified dependents are removed from coverage. Information on eligible dependents is on Page 8. Enroll in Health Care and/or Dependent Care Flexible Spending Accounts (FSAs) to save money on eligible out-of-pocket expenses. If You Don t Want to Make Changes to Your Current Coverage During Open Enrollment You do not need to log on to Lawson Employee Self-Service (ESS) unless you are electing Flexible Spending Accounts for 2016. If you do not make any changes during annual Open Enrollment, your benefits coverage will remain the same as it was in 2015, at the new 2016 premium rates. However, FSAs will not automatically roll over to 2016. Even if you are not planning to make any changes to your current elections, review your benefits Enrollment Guide to ensure that you and your family are getting the most out of your SCL Health benefits program. Enrollment for New Associates If you are benefits-eligible, you must enroll within 31 days from your date of hire by logging on to Lawson Employee Self-Service (ESS). Coverage will begin for you and any covered eligible dependents on the first day of the month following your date of hire month. If You do not Enroll Within 31 Days From Your Start Date You will only be automatically enrolled into the following company-paid benefits: Basic Short-Term Disability Basic Long-Term Disability Basic Life Insurance and AD&D Coverage How to Make Benefit Changes During Annual Open Enrollment or Enroll as a New Hire Please Follow These Steps to use the Lawson Employee Self- Service (ESS) Enrollment System. 1. From a worksite computer, navigate to the Lawson Portal login page by visiting: The benefits website at www.sclhealthbenefits.org, or The Landing 2. Enter your Lawson Employee Self-Service (ESS) user name, also referred to as your S-number or S-ID. There will be a link for associates to look up their S-ID. 3. Enter your network password (case sensitive) to log in. This is the same as your network/computer login password. Click Login. Call the Help Desk if you have difficulty with logging in: 855-866-8282. 4. Click on Benefits on the left side of your screen, then: Annual Open Enrollment: Click on Benefits Enrollment New Hire Enrollment: Click on New Hire Enrollment. Read the information on the Welcome page and follow the on-screen prompts. When You Enroll, Keep in Mind: The 2016 annual Open Enrollment period is October 14-30, 2015. The online benefits enrollment system will close at midnight (CST) on October 30, 2015. You can log in to the system to elect 2016 benefits only from a work computer. You cannot enroll from your home computer. Do NOT use your browser s back button. Use Previous and Next buttons on the enrollment site. If you exit the enrollment site before you submit your final elections, your elections to that point will NOT be saved. you submit your final elections, you can still return to the enrollment portal in Lawson during the Open Enrollment period or within 31 days of your start date to make more changes. However, you must submit all new changes and selections or your updated elections will NOT be saved. You ll also miss out on tax savings because you won t be enrolled in the Health Care or Dependent Care Flexible Spending Accounts (FSAs). * If you experience a qualifying work or family status event during 2016, please visit the benefits website www.sclhealthbenefits.org, or contact the HR Service Center at 1-855-412-3701. 6 2016 ENROLLMENT GUIDE INDEX BACK NEXT

Enrollment for Rehired or Newly Benefits-Eligible Associates How to Enroll as a Rehire or Newly Benefits-Eligible Associate Rehired and Newly Benefits-Eligible Associates must enroll in benefits by submitting a paper enrollment form to the HR Service Center. You can access the enrollment form through the benefits website, www.sclhealthbenefits.org, or by contacting the HR Service Center at 855-412-3701. If You do not Enroll Within 31 Days From Your Start Date or Transfer Date You will only be automatically enrolled into the following company-paid benefits: Basic Short-Term Disability Basic Long-Term Disability Basic Life Insurance and AD&D Coverage Can I Make Changes or Add Benefit Elections During the Year? Outside of an Enrollment Period, you can enroll or make changes to your coverage only if you are experiencing a qualifying work or family status change event, such as a birth, marriage, divorce, becoming newly benefits-eligible, or a gain or loss of independent coverage. Otherwise, you will not be able to enroll or make changes until the next annual Open Enrollment period. You will have 31 days from the qualifying work or family status event date to enroll or make changes to your elections. If you experience a qualifying life event during 2016, please visit the benefits website www.sclhealthbenefits.org for the Benefits Change Request Form, or contact the HR Service Center at 1-855-412-3701. You ll also miss out on tax savings because you won t be enrolled in the Health Care or Dependent Care Flexible Spending Accounts (FSAs). 7 2016 ENROLLMENT GUIDE INDEX BACK NEXT

BENEFITS ELIGIBILITY Am I Eligible for Coverage? To be eligible for benefits with the following rates: Full-time associate rates Part-time associate rates You must be regularly scheduled for: At least 36 hours per week Between 20-35 hours per week And considered the following full-time equivalent ( FTE ): At least a 0.9 FTE Between 0.5 0.89 FTE Can I Elect Coverage for My Family? If you are eligible to elect coverage for yourself, you may also elect coverage for your eligible dependents. Eligibility includes: Your legal spouse. Your common-law spouse if you live in a state that recognizes such marriages (an affidavit is required). Legally domiciled adults and their children (see Page 9). Your children and stepchildren from birth to age 26. Your adult child who depends solely on you for support because of a mental or physical handicap (documentation is required). For Medical, Dental, Vision and Supplemental Life Benefits, You Can Choose From the Following Coverage Levels: Yourself only ( Associate ). You and your spouse or common-law spouse ( Associate + Spouse ). You and your legally domiciled adult ( Associate + LDA ). You and your children ( Associate + Children ). You and your family ( Associate + Family ). You and your legally domiciled adult and family ( Associate + LDA Family ) You Do Not Need to Choose the Same Coverage Level for Medical, Dental, Vision or Supplemental Life Insurance. For example, you can elect to cover you and your family for Medical and Dental, you and your spouse for Vision and just yourself for Supplemental Life Coverage. Dependent Verification of Eligibility Once you have enrolled in your benefits, HMS will reach out to you via your work email and mail to your home address listed in Lawson within 30 days after enrolling your dependent(s). The letter from HMS will ask you to provide documentation supporting eligibility for only new dependents you add to the 2016 plans. Examples of acceptable documentation include a marriage certificate, birth certificate, recent tax filings, etc. Reminder: Unverified dependents are removed from coverage and can only be added back during the 2016 annual Open Enrollment period. To check on the status of your dependent audit: Call 1-855-819-5806 Visit www.auditos.com Upload required documents Check status of your dependent audit 8 2016 ENROLLMENT GUIDE INDEX BACK NEXT

Legally Domiciled Adults and Their Children SCL Health recognizes Legally Domiciled Adults (LDA) and their Children as eligible dependents for benefits coverage. If you are eligible to enroll for benefits at SCL Health, you have the option of enrolling an LDA and/or the dependent children of your LDA. In order to enroll, you will be required to complete an affidavit, which is an official declaration confirming your relationship. Who Qualifies for Coverage as a Legally Domiciled Adult? A Legally Domiciled Adult (LDA) is an individual who: Type A: OR Type B: Is at least eighteen (18) years of age. Is at least eighteen (18) years of age. Has a close personal relationship with the associate or civil union partnership with the associate (not a casual roommate or tenant). Has for at least six (6) months lived in the same principal residence as the associate and remains a member of the associate s household throughout the coverage period. Shares basic living expenses and is financially interdependent with the associate. Has not been in a civil union, legally married to or legally separated from anyone else in the past six months. Is not legally related to the associate by blood Is the associate s child or parent by birth, by marriage (step/in-law), by legal adoption or by legal guardianship. Has for at least six (6) months lived in the same principal residence as the associate and remains a member of the associate s household throughout the coverage period. Meets the definition of his or her tax dependent as defined by Section 152 of the Internal Revenue Code during the coverage period. Is neither receiving benefits from an employer nor eligible for any group coverage. in any way that would prohibit marriage. Is neither receiving benefits from an employer nor eligible for any group coverage. How Do I Add My LDA to My Benefits? You will need to submit a Legally Domiciled Adult Affidavit to the HR Service Center and three (3) forms of proof that your LDA meets the SCL Health criteria for coverage. The affidavit is available at www.sclhealthbenefits.org or by calling the HR Service Center at 855-412-3701 or 303-813-5250. Annual Open Enrollment: For those adding an LDA during open enrollment, the completed LDA affidavit must be submitted by the end of the open enrollment period October 30, 2015. Supporting documents must be submitted within 31 days of the coverage effective date, which is January 31, 2016. If supporting documentation is not received by this date, your LDA will be removed from coverage as of January 1, 2016. New hires / rehires / newly eligible: The LDA affidavit and supporting documents must be submitted to the HR Service Center within 31 days from your start date or transfer date. Your LDA will not be enrolled in coverage until the supporting documentation is received. Are there tax implications for enrolling an LDA? Due to the regulations under the Internal Revenue Code, only associates with qualified tax dependents (includes those who are legally married and LDA Type B) can pay benefits premiums with pre-tax dollars. Associates with LDA Type A partners will have to pay the LDA portion of the premium using post-tax dollars. Also, the tax code requires SCL Health to report the value of the benefit to the LDA as imputed income on the associate s W-2 form, and applicable taxes must be paid on those dollars. For assistance with enrolling your LDA, contact the HR Service Center at 855-412-3701 or 303-813-5250, or visit the SCL Health benefits website at www.sclhealthbenefits.org. What Types of Documentation / Proof are Needed to Add My LDA to My Benefits? Following are examples of acceptable proof: Power of attorney (medical or financial) Civil union certificate Joint documents dated a minimum of six (6) months prior to enrollment showing current relationship status, such as a recurring household bill or statement of account. The documents must list the associate and LDA partner s name, the date and shared mailing address. Examples of joint documents: Car loan or lease Mortgage or lease Utilities bill Bank statements Joint credit cards Shared legal guardianship documents Primary beneficiary or executor designation Copy of driver s license showing proof of shared residency. A copy of the front page of the associate s prior year federal tax return (Form 1040) confirming the LDA is a qualified tax dependent as defined in Section 152 of the Internal Revenue Code. 9 2016 ENROLLMENT GUIDE INDEX BACK NEXT

WHICH ID CARDS WILL I RECEIVE? Medical Cigna PPO and Kaiser will distribute new ID cards to all members for the new plan year. Cigna CDHP Cigna will distribute new ID cards only if you elected coverage for Associate + Spouse or Associate + Child(ren), if you or your dependents enroll for coverage for the first time, or if you change coverage for 2016. If you need a replacement or additional ID cards, you can log in to the secure member area of their sites, www.mycigna.com (Cigna) or www.kp.org (Kaiser), to access your personalized information and print a temporary card. If you have not already done so, you will need to set up a user name and password under the Members Sign On feature. Pharmacy Pharmacy plan information will be included on your medical ID card. Dental Delta Dental of Colorado, our dental provider, will distribute new ID cards only if you or your dependents enroll for coverage for the first time or change coverage for 2016. If you need replacement or additional ID cards, log in to the secure member area of their site, www.deltadentalco.com, click Subscribers and log in under Subscriber Login to access your personalized information and print a temporary card. If you have not already done so, you will need to set up a user name and password under the Members Sign On feature. Vision EyeMed, our vision care provider, will distribute new ID cards only to newly enrolled participants. If you need a replacement or additional ID cards, you can log in to the secure member area of their website and order a new one by going to www.eyemedvisioncare.com, clicking Members and then entering your user name and password. If you have not already done so, you will need to set up a user name and password under the Members Sign On feature. You do not need your ID card in order to use your EyeMed plan. If you have your card, we recommend you take it with you, as it helps the provider correctly apply your discount or benefit. Flexible Spending Account Debit Card 24HourFlex will distribute new debit cards only if you enroll for the first time. If you are currently enrolled in the Health Care and/or Dependent Care FSA and make a new election for 2016, you will use the most recently issued card from 24HourFlex. If you need to replace a debit card for 2016, please contact 24HourFlex at 1-800-651-4855 after January 1, 2016. Reminder If you need to obtain healthcare services prior to receiving your ID card, visit the websites listed above and follow their registration instructions to login and print temporary cards or contact the HR Service Center. Many of our plan administrators offer members the opportunity to register and: print temporary ID cards view eligibility view claims status track deductibles view your Health Reimbursement Account (HRA) and more. You may enroll as a member on the website once the carrier has received your eligibility and updated its system. 10 2016 ENROLLMENT GUIDE INDEX BACK NEXT

WELLNESS Take responsibility for your own health and wellness to help manage your medical costs. SCL Health offers many health and wellness programs take advantage of them! See below for an overview of a few of the wellness programs offered. Check out our website to view all wellness and incentive programs. Wellness Portal SCL Health has partnered with Preventure to provide you online support, tools and resources through the online Wellness Portal to help you make health and wellness a part of your everyday life. You can use this SCL Health portal to support your wellness goals by doing things like: finding healthy recipes, taking self-paced online workshops, and utilizing helpful food and activity trackers, to name a few. It s also a great place to learn more about your health. For example, when you complete the confidential Health Risk Questionnaire (HRQ), you receive a wellness score, a customized report, and personal recommendations to help you succeed in your journey to live well, all based on your responses. Please know that all your responses remain confidential. Absolutely no individual data will be shared with SCL Health or its health insurance partners. The results from the questionnaire will only be shared with SCL Health in aggregate form, meaning only total population reports will be provided. For assistance with the SCL Health Wellness Portal, please contact Preventure, Monday-Friday, 8 a.m. 8 p.m. ET at 888-321-4326 or supportteam@preventure.com. Wise & Well Incentive Program (Limited Time Only) All benefits-eligible associates of SCL Health can earn $150 by participating in our new Wise & Well incentive plan. But don t wait to the last minute, because some steps can t be done overnight. Deadlines: Complete a biometric screening by Friday, Oct. 30, 2015, to earn $50 in your Dec. 11 paycheck. Earn an additional $100 by completing five easy steps before Monday, Nov. 30, 2015. This reward will be paid out in January 22, 2016, paychecks. Here s How it Works: Visit www.partnersinhealth.sclhealth.org to complete the following five activities, worth 1 point each. You must complete all five activities by the deadlines provided to earn the incentive. Complete an Online Class (Register by SEPTEMBER 30, 2015) Sign up for one of two classes, Ready, Set, Goal (4-week program) or Kitchen Makeover (6-week program). Register by Sept. 30 to ensure you complete the course and earn your point by the November 30 deadline. Complete Your Biometric Screening (by OCTOBER 30, 2015) Onsite events will be available in larger SCL Health locations in September. Visit our website for a list of dates and times, other screening options and important details. Participants who get screened after Oct. 30 will not be disqualified, but will forfeit $50 in total incentives. Take our Online Health Questionnaire (by NOVEMBER 30, 2015) Log on and click on Know Your Health Status. The 15-20 minute survey is completely confidential. Associates who completed the survey earlier this year will see a point already credited to their profile. 11 2016 ENROLLMENT GUIDE INDEX BACK NEXT

Pick a Healthy Activity (by NOVEMBER 30, 2015) Sign up for Preventure s Exercise Challenge or tell us about a healthy activity you re already involved in such as an organized run, tobacco cessation program, or working with a personal health coach. Details and instructions are online. Designate a Doctor (by NOVEMBER 30, 2015) Go online and designate who your primary care physician (PCP) is, and if you don t have one, take time to find one. The information you provide is confidential and will not be shared with anyone at SCL Health. Having a relationship with a PCP is an important step in taking care of your health and well-being. The deadline to earn your five points is November 30, 2015. Please contact Preventure at 888-321-4326 or supportteam@preventure.com if you have any questions. Cigna: Personal Health Team SCL Health and Cigna partnered to bring all Cigna Plan members and their dependents a Personal Health Team. This program is designed to help you meet your personalized health and well-being needs. The program consists of a dedicated team of registered nurses, behavioral specialists, health coaches, exercise specialists or nutritionists all supported by doctors and pharmacists who are there to support you in achieving your personal health goals. How Does the Personal Health Team Help Me Improve My Health? The Personal Health Team can support you whether you need help in learning more about a chronic condition, understanding your doctor s treatment plan, making a treatment decision or you just want to make a few lifestyle changes like losing a little extra weight. Programs across the country similar to this have shown tremendous results in improving the health status of associates. This includes things like improvements in cholesterol and blood sugar levels, overall reductions in cardiac risks, and improvements in preventive care. Most importantly, similar programs have had high ratings of satisfaction from the participants. How Does the Program Work? The Personal Health Team will be reaching out by telephone to Cigna members. If you receive a call from the Personal Health Team, it s because your medical claims history may suggest that the team can provide you additional support or resources. Some examples of when Cigna might call you are: You have a chronic condition and your records indicate you may be missing care that is known to be evidence-based and the team s support can help you. You have recently been hospitalized or seen in the Emergency Department. You have a complex healthcare need that requires support from a Case Manager. You can also reach out to the Personal Health Team directly. The program is available to anyone under the Cigna medical plan who would like some support in meeting their personalized health goals. The team can help with things like tobacco cessation, weight management and stress management. How Can I Access the Program? You can access the program in three ways: Call 800-244-6224, enter your subscriber ID and say Personal Health Team Call 877-459-6150, and provide your subscriber ID when asked Go online at www.mycigna.com. The team is available for coaching and non-emergent care support from 9 a.m. to 9 p.m., Monday through Friday, and 9 a.m. to 2:30 p.m. on Saturday. You may also access the team 24/7 if you need immediate treatment guidance. Kaiser Permanente: Wellness Coaching Kaiser s Wellness Coaching aims at helping Kaiser Permanente members maintain and improve their health and overall well-being. Coaching is available at no cost to you, and is available in English and Spanish. No referral is needed. How Does the Program Work? Partner with a wellness coach to create a customized plan that outlines small, easy steps that you can take to: Manage your weight Quit tobacco Reduce stress Increase activity Eat healthier Find support groups Coaches don t tell you what to do. They accept where you are now, and help you discover your goals as well as some ideas for meeting them your way. Phone coaching sessions last about 20 minutes. During your first session, your coach will help you decide the importance of your goal to you, and spell out what success would look like to you. During followup sessions, he or she will partner with you to find out what kind of support you need to be successful, and guidance to help you find your motivation to be your healthiest self. Your wellness coach is part of your health team, so your coach can help you coordinate and communicate your care with your physician and the rest of your healthcare team at Kaiser Permanente facilities. How Can I Access the Program? Schedule convenient phone sessions at times that work for you by calling Kaiser Permanente at 866-862-4295, Monday through Friday, from 8 a.m. to 8 p.m., MT. 12 2016 ENROLLMENT GUIDE INDEX BACK NEXT

MEDICAL What Factors Should I Consider When Deciding on a Medical Plan? Choosing a medical plan option is one of the most important decisions for you and your family. When selecting a medical plan, you should ask yourself several questions and carefully consider each answer: How will my medical plan selection affect my pharmacy plan? When you enroll in a medical plan you will also have pharmacy benefits through the medical plan s vendor. See the bottom of the medical plan costs comparison chart for pharmacy costs. You may also look at Pages 21-22 for additional pharmacy benefit information. How much healthcare will you and your family need next year? What will it cost you? Cigna s website (www.cigna.com) and Kaiser s website (www.kp.org) have tools to help you estimate your healthcare costs. How do I find a doctor or find out if my current doctor is in the SCL Health Network? Cigna and Kaiser Permanente both have custom provider directories created specifically for SCL Health. These directories can be accessed through www.sclhealthbenefits.org. See below for further instructions. Designate Your Primary Care Physician (PCP) in 2016 The objective of a PCP is for you to have a specific care center to help you make the most of the healthcare system. Simply visit your plan s website (www.mycigna.com or www.kp.org) and choose your provider. Typically you ll want to pick your PCP or the place you go for routine care. Keep in mind that if you go to www.mycigna.com and use the Cigna Open Access Plus (OAP) network provider search, you must be currently enrolled with Cigna to see the SCL Health Network (Tier 1) on mycigna.com. Please note: Specialist referrals are still not required under our medical plans. Are you more concerned about the cost of your monthly contribution or your out-ofpocket costs? How will you save for future healthcare costs? Know Your 2016 Medical Plan Options by Name In 2016, SCL Health offers three medical plan options. During your Enrollment period, it is up to you to enroll in the plan that best fits your needs and budget. Your options (including their official names) are: 1. Cigna CDHP with HRA (the Choice Fund Open Access Plus Network Plan). 2. Cigna PPO Plan (the Cigna Open Access Plus Network Plan). 3. Kaiser Permanente EPO Plan (for Denver employed associates only). How Can I Find Out Which Facilities and Providers are Within the SCL Health Network? To find out if your current doctor is in the SCL Health Network (Tier 1), or to select a new doctor, you can access a custom network directory created specifically for SCL Health. Just follow these four easy steps: 1. Go to: www.sclhealthbenefits.org 2. Select Find a Network Provider 3. Choose the plan you would like to search NOTE: For Kaiser Permanente, when locating a doctor or facility on their website, select the HMO plan option from the plan type drop down. 4. Search for your current provider by name or by specialty or locate a new doctor within your area under the Tier 1 Network 13 2016 ENROLLMENT GUIDE INDEX BACK NEXT

Understand the Network (Tiers) in Your Plan The SCL Health medical plans are Point of Service plans. Each provider network tier has a different arrangement for sharing costs. You and your covered family members choose which tier to use each time you seek care. One of the best ways to make your healthcare dollars go further is to use the SCL Health Network (Tier 1) whenever possible to take advantage of its: Lower copays for physician/specialist office visits, where applicable. Lower deductibles. Lower coinsurance. Lower out-of-pocket maximums. To enjoy all these cost savings, you first need to know which hospitals and doctors are in the SCL Health Network and which ones are not, as shown in the chart below. Why SCL Health Network (Tier 1) is Your Best Choice At SCL Health, we are in the healthcare business. That allows us to offer our associates both exceptional care and the opportunity to control costs. All three medical plan options offer the highest level of benefits when you use SCL Health Network (Tier 1) providers and facilities. Remember, you can access a custom provider directory created specifically for SCL Health. Just follow the four easy steps on Page 13 to locate SCL Health Network (Tier 1) providers and facilities or visit www.sclhealthbenefits.org. Network Tiers SCL Health Network (Tier 1) Cigna Network or Kaiser Network (Tier 2) Out-of-Network (Tier 3) Hospitals Cigna SCL Health facilities Children s Hospital Colorado (facility charges only) Cigna Hospital facilities that are part of the Cigna Open Access Plus (OAP) network Cigna All other hospital facilities Doctors Kaiser Permanente (Denver) Saint Joseph Hospital Good Samaritan Medical Center Children s Hospital Colorado (facility charges only) Select primary care physicians and specialists with privileges at an SCL Health facility All SCL Health employed primary care physicians and specialists Physician Network (SCLP) primary care physicians and specialists Cigna All Cigna Open Access Plus (OAP) network physicians and specialists Kaiser Permanente (Denver) All Kaiser Permanente network physicians and specialists Outpatient medical imaging (x-rays) at Good Samaritan Medical Center Kaiser Permanente (Denver) Not available Cigna All other doctors who are not part of the Cigna Open Access Plus (OAP) or SCL Health Networks Kaiser Permanente (Denver) Not available *The SCL Health Network (Tier 1) pays the highest level of benefit for both doctors and facilities. 14 2016 ENROLLMENT GUIDE INDEX BACK NEXT

KNOW HOW YOUR MEDICAL PLAN WORKS Pre-certification is required for all hospital admissions. SCL Health Medical Plan Options 1. Cigna CDHP with HRA (Choice Fund Open Access Plus Plan) 2. Cigna PPO Plan (Cigna Open Access Plus Plan) 3. Kaiser Permanente EPO Plan (for Denver employed associates only) Quick Glance Medical Benefit Options 1st - HRA Employer Contribution 2nd - Deductible Associate Associate + Spouse Associate + Children Associate + Family 3rd - Coinsurance (for most services) 4th - Annual Out-of-Pocket Maximum (Includes Medical and Pharmacy costs) Associate Associate + Spouse Associate + Children Associate + Family Primary Care Physician Office Visit Specialist Office Visit Preventive Care Hospitalization SCL Health Network (Tier 1) SCL Health Medical Plan Options at a Glance: Preventive Care All SCL Health medical plan options cover in-network preventive care at 100% (this includes annual physical checkups, recommended screenings for your age, and immunizations). Prescription Drug Benefits Once you enroll in a medical plan, you will then have pharmacy coverage as well through the medical plan s vendor. Deductible All of the SCL Health medical plans have a deductible that you must meet before the plan begins to pay coinsurance. The deductible is lower at the SCL Heath Network (Tier 1) level. Out-of-Pocket Maximum The out-of-pocket maximum is the most you will pay out-of-pocket for medical and pharmacy costs during the plan year. Once you reach the out-of-pocket maximum, the plan pays 100% of your eligible medical and pharmacy expenses for the rest of the plan year. Cigna CDHP with HRA Cigna PPO Kaiser Permanente EPO (Denver) Cigna Network (Tier 2) Associate Associate + Spouse Associate + Children Associate + Family $1,250/ person $2,500/ family 85%; you pay 15% $2,500/ person $5,000/ family 85%; you pay 15% 85%; you pay 15% 100% 85%; you pay 15% $2,500/ person $5,000/ family 70%; you pay 30% $5,000/ person $10,000/ family 70%; you pay 30% 70%; you pay 30% 100% 70%; you pay 30% Out of Network (Tier 3) $500 $1,000 $1,000 $1,000 $5,000/ person $10,000/ family 50%; you pay 50% $10,000/ person $20,000/ family 50%; you pay 50% 50%; you pay 50% 50%; you pay 50% 50%; you pay 50% SCL Health Network (Tier 1) Cigna Network (Tier 2) Out of Network (Tier 3) Not applicable. The CDHP is the only medical plan option that offers HRA with annual funding from SCL Health. $1,250/ person $2,500/ family 85%; you pay 15% $2,500/ person $5,000/ family $2,500/ person $5,000/ family 70%; you pay 30% $5,000/ person $10,000/ family $25 copay $50 copay $40 copay $75 copay 100% 85%; you pay 15% 100% 70%; you pay 30% $5,000/ person $10,000/ family 50%; you pay 50% $10,000/ person $20,000/ family 50%; you pay 50% 50%; you pay 50% 50%; you pay 50% 50%; you pay 50% Kaiser Network 15 2016 ENROLLMENT GUIDE INDEX BACK NEXT Out of Network Not applicable. The CDHP is the only medical plan option that offers HRA with annual funding from SCL Health. $1,250/person $2,500/family 85%; you pay 15% 70%; you pay 30% $5,000/person $10,000/family 100% 85%; you pay 15% N/A N/A N/A $25 copay N/A $40 copay N/A 100% 70%; you pay 30% N/A N/A Continued on next page...

Quick Glance Medical Benefit Options, Continued Urgent Care Hospital ER Diagnostic Lab and X-ray SCL Health Network (Tier 1) Cigna CDHP with HRA Cigna Network (Tier 2) Out of Network (Tier 3) 85%; you pay 15% 85%; you pay 15% 85%; you pay 15% 70%; you pay 30% 50%; you pay 50% SCL Health Network (Tier 1) Cigna PPO Cigna Network (Tier 2) Out of Network (Tier 3) $50 copay, then the plan pays 85% and you pay 15% of balance $150 copay (waived if patient is admitted), then the plan pays 85% and you pay 15% of balance Physician's office: office visit copay, Plan pays 100%; Outpatient: Plan pays, 85%; you pay 15% Physician's office: office visit copay, Plan pays 100%; Outpatient: Plan pays, 70%; you pay 30% Physician's office: office visit copay, 50% you pay 50%; Outpatient: Plan pays, 50%; you pay 50% Kaiser Permanente EPO (Denver) Kaiser Network $50 copay, then the plan pays 85% and you pay 15% of balance Out of Network N/A $150 copay (waived if patient is admitted), then the plan pays 85% and you pay 15% of balance 85%; you pay 15% N/A Quick Glance Pharmacy Benefit Options SCL Health Pharmacy (30-Day) Generic Insulins Formulary Non- Formulary Retail* (30-Day) Cigna CDHP with HRA Cigna PPO Kaiser Permanente EPO (Denver) Generic Prescription costs first apply to your HRA fund. Once your HRA fund is exhausted, $17 copay $17 copay Formulary you pay 100% of the cost until you 25% of full price meet the deductible. ($75 maximum copay) $35 copay Non- Formulary 80% after deductible until you meet the out-of- pocket maximum. $10 copay $30 copay $45 copay 50% of full price ($125 maximum) 50% of full price (no maximum) N/A Prescriptions must be filled at a Kaiser Permanente Pharmacy. (Except for outpatient prescriptions) Not covered Mail Order (90-Day) Once out-of-pocket maximum is Generic $20 copay $34 copay met, plan pays 100%. Insulins $30 copay Generic and Formulary copays apply Formulary $90 copay $70 copay Non- Formulary Specialty Generic Formulary Non- Formulary 50% of full price ($250 maximum copay) 25% of full price ($250 maximum per prescription) *Cigna Plan Members: An $8 surcharge applies to all high-cost retail pharmacies (Walgreens, CVS, Rite Aid). Not covered 25% of full price ($250 maximum per prescription) 16 2016 ENROLLMENT GUIDE INDEX BACK NEXT

CIGNA CDHP WITH HRA (CHOICE FUND OPEN ACCESS PLUS PLAN) STEP BY STEP SCL Health funds a Health Reimbursement Account (HRA) for you to use to cover initial out-of-pocket expenses. If you use all the funds in your HRA, you will then pay the full cost of your medical expenses, including prescriptions, until you meet your annual deductible. The HRA amount and annual deductible increase when you cover your children, spouse, LDA or full family. What Are the Advantages of the Consumer Driven Health Plan? The CDHP option is designed to encourage you to be more aware of your healthcare expenditures. It also offers a number of special features, for example: It has the lowest per-paycheck cost. You have access to a Health Reimbursement Account (HRA) that is funded by SCL Health. Your out-of-pocket expenses are paid from the HRA. Once the money in your HRA is exhausted, you pay the full medical and pharmacy expenses until you reach the annual deductible. Once you meet your annual deductible, the plan begins to pay a portion of your medical and pharmacy costs (known as coinsurance) until you meet your annual out-of-pocket maximum. If you meet your annual out-of-pocket maximum, the plan then pays 100 percent of your eligible medical and pharmacy expenses for the remainder of the plan year. If you have money left in your HRA at the end of the year, it rolls over to the next year (if you enroll in the CDHP option for the next year). Online tools on www.mycigna.com that enable you to check your claims, explanation of benefits (EOBs) and tracking of your deductible and your Health Reimbursement Account (HRA) funds. 17 2016 ENROLLMENT GUIDE INDEX BACK NEXT

Take a look at how the Cigna CDHP with HRA (Choice Fund Open Access Plus Plan) works. STEP 1 Each year, SCL Health funds your Health Reimbursement Account (HRA). The amount depends on the coverage level you choose, as shown below. Associate $500 Associate + Spouse $1,000 Associate + Children $1,000 Associate + Family $1,000 The CDHP is the only medical plan option that offers an HRA with annual funding from SCL Health. STEP 2 Funds from your HRA are first applied to your deductible. Once your HRA balance is zero ($0), you pay 100% of your expenses until you meet the annual deductible. Annual Deductible Included in Your HRA Dollar Amount HRA Dollar Amount Maximum Annual Deductible You Pay Annual Deductible (1) Included in (3) = (1)-(2) Tier 1 Tier 2 Tier 3 Deductible* (2) Tier 1 Tier 2 Tier 3 Associate $1,250 $2,500 $5,000 $500 $750 $2,000 $4,500 Associate + Spouse $1,250/person; Associate + Children $2,500/family Associate + Family $2,500/person; $5,000/family $5,000/person; $10,000/family $1,000 $250/person; $1,500/family $1,500/person; $4,000/family * If you have money in your HRA at the end of 2016, it will roll over into the 2017 HRA if you remain in the Cigna CDHP plan in 2017. STEP 3 $4,000/person; $9,000/family you meet the annual deductible, you and the plan each pay a portion of your medical costs until you reach the annual out-of-pocket maximum. (The annual maximum includes the deductible.) SCL Health Network (Tier 1) Cigna Network (Tier 2) Out of Network (Tier 3) Primary care office visit The plan pays 85% of the cost; you pay 15% Specialist office visit The plan pays 85% of the cost; you pay 15% The plan pays 70% of the cost; you pay 30% The plan pays 70% of the cost; you pay 30% Hospital ER The plan pays 85% of the cost; you pay 15% Urgent care facility The plan pays 85% of the cost; you pay 15% The plan pays 50% of the cost; you pay 50% The plan pays 50% of the cost; you pay 50% Coinsurance for most services The plan pays 85% of the cost; you pay 15% The plan pays 70%; you pay 30% The plan pays 50%; you pay 50% STEP 4 Once you reach the annual out-of-pocket maximum, the plan pays 100 percent of the cost for covered services and prescriptions through December 31. The deductible is included in the out-of-pocket maximum. Annual Out-of-Pocket Maximum* Associate Associate + Spouse Associate + Children Associate + Family SCL Health Network (Tier 1) Cigna Network (Tier 2) Out of Network (Tier 3) $2,500/person; $5,000/family $5,000/person; $10,000/family $10,000/person; $20,000/family * Out-of-pocket costs including pharmacy will cross-accumulate for SCL Health Network (Tier 1) and Cigna Network (Tier 2). Out of Network (Tier 3) expenses do not accumulate to any other Tiers, meaning that any out-of-pocket expenses incurred from Tier 3 (out of network), will not count toward your Tier 1 or Tier 2 annual out-of-pocket maximum amounts. NOTE: If you elected to contribute to a Health Care Flexible Spending Account (FSA), you can use your FSA to pay for eligible out-of-pocket expenses, such as annual deductible and coinsurance responsibility. Visit www.sclhealthbenefits.org for more FSA details. Learn More: To reach Cigna representatives who are experts on our three tier plans, request the Hospital Vertical Team when calling Cigna at 800-CIGNA24 (800-244-6224). The Hospital Vertical Team is available business hours Monday Friday. 18 2016 ENROLLMENT GUIDE INDEX BACK NEXT

CIGNA PPO PLAN (CIGNA OPEN ACCESS PLUS PLAN) STEP BY STEP Under the Cigna Choice PPO, you may choose the providers that fit your needs and receive different levels of coverage based on the network tier. You and the plan each pay a portion of your medical costs until you reach the annual out-of-pocket maximum. You are not required to select a primary care physician (PCP) or obtain a referral to see a specialist. However, you are able to select a PCP to provide ongoing healthcare to you and your family. Designating a PCP assists in your healthcare being coordinated through a key provider, to ensure you receive any necessary treatment, when and where you need it, in a manner you can understand. The objective of designating a PCP is for you to have a specific care center to help you make the most of the healthcare system (Page 13). Take a look at how the Cigna PPO Plan (Cigna Open Access Plus Plan) works. STEP 1 You pay 100 percent of your medical expenses until you meet the annual deductible. If you seek care at an SCL Health facility or with an SCL Health Network provider, you pay a lower deductible. Annual Deductible SCL Health Network (Tier 1) Cigna Network (Tier 2) Out of Network (Tier 3) Associate Associate + Spouse Associate + Children Associate + Family $1,250/person; $2,500/family $2,500/person; $5,000/family $5,000/person; $10,000/family STEP 2 you meet the annual deductible, you and the plan each pay a portion of your medical costs until you reach the annual out-ofpocket maximum. The annual out-of-pocket maximum includes the deductible. SCL Health Network (Tier 1) Cigna Network (Tier 2) Out of Network (Tier 3) Primary care office visit $25 copay $50 copay The plan pays 50% of the cost; you pay 50% Specialist office visit Hospital ER Urgent care facility The plan pays 50% of the cost; $40 copay $75 copay you pay 50% You pay a $150 copay (waived if patient is admitted), then the plan pays 85% of the balance and you pay 15% You pay a $50 copay, then the plan pays 85% of the balance and you pay 15% Coinsurance for most services The plan pays 85%; you pay 15% The plan pays 70%; you pay 30% The plan pays 50%; you pay 50% STEP 3 Once you reach the annual out-of-pocket maximum, the plan pays 100 percent of the cost for covered services and prescriptions through December 31. The annual deductible is included in the annual out-of-pocket maximum. Annual Out-of-Pocket Maximum* SCL Health Network (Tier 1) Cigna Network (Tier 2) Out of Network (Tier 3) Associate Associate + Spouse Associate + Child Associate + Family $2,500/person; $5,000/family $5,000/person; $10,000/family $10,000/person; $20,000/family * Deductibles and out-of-pocket costs including pharmacy will cross-accumulate for SCL Health Network (Tier 1) and Cigna Network (Tier 2). Out of Network (Tier 3) expenses do not accumulate to any other Tiers, meaning that any out-of-pocket expenses incurred from Tier 3 (out of network) will not count toward your Tier 1 or Tier 2 annual deductible or out-of-pocket maximum amounts. NOTE: If you elected to contribute to a Health Care Flexible Spending Account (FSA), you can use your FSA to pay for eligible out-of-pocket expenses, such as annual deductible and coinsurance responsibility. Visit www.sclhealthbenefits.org for more FSA details. Learn More: To reach Cigna representatives who are experts on our three tier plans, request the Hospital Vertical Team when calling Cigna at 800-CIGNA24 (800-244-6224). The Hospital Vertical Team is available business hours Monday Friday. 19 2016 ENROLLMENT GUIDE INDEX BACK NEXT

KAISER PERMANENTE EPO PLAN (DENVER EMPLOYED ASSOCIATES ONLY) STEP BY STEP Participants in this plan can receive care from Tier 1 and Tier 2 providers with varying levels of coverage. You and the plan each pay a portion of your medical costs until you reach the annual out-of-pocket maximum. The plan does not pay benefits for care received from out-of-network (Tier 3) providers except in the case of a true emergency. The deductible does apply to the out-of-pocket maximum. Take a look at how the Kaiser Permanente EPO Plan (Denver employed associates only) works. STEP 1 You pay 100 percent of your medical expenses until you meet the annual deductible. Annual Deductible Kaiser Network (Tier 1 and 2) Out of Network (Tier 3) Associate Associate + Spouse Associate + Children Associate + Family $1,250/person; $2,500/family N/A STEP 2 you meet the annual deductible, you and the plan each pay a portion of your medical costs until you reach the annual out-of-pocket maximum. The annual deductible applies to the out-of-pocket maximum. Kaiser Network (Tier 1 and 2) Out of Network (Tier 3) Physician s Office Visit Specialist s Office Visit Hospital ER Urgent Care Facility Coinsurance for Most Services Coinsurance for Lab/ Radiology $25 copay $40 copay you pay a $150 copay (waived if patient is admitted), the plan pays 85% of the remaining expense and you pay 15% you pay a $50 copay, the plan pays 85% of the remaining expense and you pay 15% The plan plays 85%; you pay 15% The plan plays 85%; you pay 15% The plan pays 70%; you pay 30% You pay 100% of the cost. The plan pays NOTHING for out-of-network services, except in case of emergency. STEP 3 Once you reach the annual out-of-pocket maximum, the plan pays 100 percent of the cost for covered services and prescriptions through December 31. The annual out-of-pocket maximum includes the deductible. Annual Out-of-Pocket Maximum Associate Associate + Spouse Associate + Children Associate + Family Kaiser Network (Tier 1 and 2) $5,000/person; $10,000/family Out of Network (Tier 3) N/A NOTE: If you elected to contribute to a Health Care Flexible Spending Account (FSA), you can use your FSA to pay for eligible out-of-pocket expenses, such as annual deductible and coinsurance responsibility. Visit www.sclhealthbenefits.org for more FSA details. 20 2016 ENROLLMENT GUIDE INDEX BACK NEXT

PHARMACY PLAN INFORMATION When you enroll in a medical plan, you will also have pharmacy benefits through the medical plan s vendor. Find pharmacy plan details on this page, but you will also find pharmacy cost comparisons at the bottom of the medical plan costs comparison chart on Page 16. Cigna CDHP with HRA Cigna PPO Kaiser Permanente EPO Plan Vendor Cigna Kaiser Permanente SCL Health Pharmacy St. James Healthcare / Medical Arts Pharmacy (Butte, MT) Saint Joseph Hospital Outpatient Pharmacy (Denver, CO) Good Samaritan Medical Center Pharmacy Services (Lafayette, N/A* CO) St. Vincent Healthcare Outpatient Pharmacy (Billings, MT) Retail Pharmacy Cigna Network Retail Pharmacy ** Kaiser Permanente Pharmacy Mail Order Pharmacy Mail order service through Mail order service at Good Samaritan Medical Center Kaiser Permanente Specialty Medications Comprehensive Cancer Center (CCC) at Saint Joseph Hospital Maintenance Medications*** Up to 90 day supply can be filled at either: Mail order service at Good Samaritan Medical Center SCL Health Pharmacy Mail order service through Kaiser Permanente (up to 90 day supply) Kaiser Permanente Pharmacy (up to 30 day supply) * Kaiser Permanente plan members: In addition to Kaiser Permanente pharmacies, plan members may also fill outpatient prescriptions at Saint Joseph Hospital and Good Samaritan Medical Center pharmacies. ** Cigna Plan Members: An $8 surcharge applies to all high-cost pharmacies (Walgreens, CVS, Rite Aid). *** Cigna Plan Members: First-time Maintenance Medication prescriptions may be filled at any Cigna Network Retail Pharmacy (i.e. King Soopers, City Market, Walmart, etc.); thereafter, you must transfer your prescription to an SCL Health pharmacy. Cigna Plans Associates and family members enrolled in a Cigna medical plan are required to fill all maintenance medication prescriptions at an SCL Health pharmacy or through the mail order service at Pharmacy Services at Good Samaritan Medical Center. Maintenance medications are drugs you take on a regular basis to treat conditions such as high cholesterol, diabetes, high blood pressure, heart disease, asthmas arthritis and allergies. To identify if any of the drugs you take are considered a maintenance medication, go to www.sclhealthbenefits.org. SCL Pharmacies: St. James Healthcare / Medical Arts Pharmacy (Butte, MT) Saint Joseph Hospital Outpatient Pharmacy (Denver, CO) Good Samaritan Medical Center Pharmacy Services (Lafayette, CO) St. Vincent Healthcare Outpatient Pharmacy (Billings, MT) For those who do not have local access to an SCL Health Pharmacy, maintenance medications will be required to be filled through the mail order service at Good Samaritan Medical Center. (See Page 22 for instructions on how to transition your prescription(s) to mail order.) As a benefit, having your maintenance prescriptions delivered through mail order will save you time and money! New Prescriptions your first maintenance medication prescription (30-day supply) may be filled at any network retail pharmacy (i.e. King Soopers, City Market, Walmart, etc.), thereafter you must transfer your prescription to an SCL Health pharmacy. Cigna Pharmacy - Mail order services at the Pharmacy at Good Samaritan Medical Center Available Monday - Friday, 7:00 a.m. - midnight at 303-689-6121 or 855-235-4301 (toll free) Specific medication-related questions and consultations available 7 days a week. Kaiser Plan Kaiser Permanente members In addition to the Kaiser Permanente pharmacies, outpatient prescriptions can be filled at Saint Joseph Hospital Outpatient Pharmacy and Good Samaritan Medical Center Pharmacy Services. Mail order prescriptions must be filled through Kaiser Permanente. 21 2016 ENROLLMENT GUIDE INDEX BACK NEXT

Cigna Mail Order Pharmacy for 2016 The Pharmacy Services at Good Samaritan Medical Center fills ALL Cigna PPO and CDHP mail order prescriptions. Good Samaritan pharmacists are available to answer your questions and assist you with your prescription order. Your prescriptions will be sent confidentially with personal care and with a timely delivery. Transferring your mail order prescriptions is easy. What kind of prescriptions can I receive through mail order? The types of prescription medications that can be ordered through the mail are those for more than one month in a row (called maintenance medications) and those you expect no changes to be made in the dosing or dosing schedule. Some examples that should not be ordered through mail order are antibiotics for an ear infection or pain medication for a broken arm. What quantities are dispensed through mail order? Please have your doctor write your prescription for a three-month or a 90-day supply. The prescription must display the quantity that you and your doctor want to be dispensed. How and when do I order refills? You should order refills when you have about 14 to 21 days supply left. Although it usually does not take this long, it serves as a safety net so you do not run out of medicine. How do I transfer my prescriptions or start the process? Work through one of the following options with your physician: Fill out the Mail Order Form found on the benefits website at www.sclhealthbenefits.org. (This only needs to be filled out once to set up your profile) Mail, or Fax to 303-689-6126, or Call in to 303-689-6121 or 855-235-4301 (toll free), or Use the e-prescription service Reminder: Include payment with your order to avoid possible delays in processing your order. Your medications will be sent via U.S. Postal Service or FedEx. 22 2016 ENROLLMENT GUIDE INDEX BACK NEXT

MEDICAL PREMIUM ASSISTANCE PROGRAM As part of our mission, healing ministry and caring spirit, SCL Health offers financial assistance to help our associates obtain insurance for medical needs through our Medical Premium Assistance Program. This program is one way that we continue to carry on the good work of the Sisters of Charity of Leavenworth to foster God s healing love and to improve the health of the people, communities and associates we serve. To be eligible, you must: Be a regular, full-time, benefit-eligible associate; Have a total household annual gross income of $37,000 or less for associate-only coverage level or total household annual gross income of $43,000 or less for spouse, child(ren) and family coverage levels, as reported on the most recent IRS Form 1040 income tax return; and Submit the application to the HR Service Center (Denver) at any time of the year. You can apply at any time in the plan year. If you are applying for the first time, your benefit will start the first of the following month once your completed application is received and continue through the last deduction in December. If you are still eligible after December you will have to reapply for the new year by sending in the proper application. Coverage Level Individual Individual + Spouse, Children, or Family Eligible total household annual gross income $37,000 or less $43,000 or less Learn More For an application, go to the benefits website www.sclhealthbenefits.org or contact the HR Service Center toll free 855-412-3701 or 303-813-5250. 23 2016 ENROLLMENT GUIDE INDEX BACK NEXT

DENTAL BENEFITS Know Your 2016 Dental Plan Options It is important to note that benefit coverage levels vary by plan, depending on the dental plan option you choose for 2016 and which type of dentist you use. SCL Health offers three Dental Plan Options: 1. Delta Dental Choice Plan - You receive a higher level of benefits if you choose a PPO Network dentist. You can use a Premier or outof-network dentist, but your benefit coverage will be lower. 2. Delta Dental EPO Plan - You receive benefits ONLY if you choose a PPO Network dentist. You receive NO coverage if you use a Premier or out-of-network dentist. 3. Delta Dental Core Plan - You receive the same level of benefits whether you use a PPO, Premier or out-of-network dentist. However, there is NO coverage for major services or orthodontia in this option. Deductible Individual/Family Coinsurance (plan pays) Preventive Basic care Major care Ortho Annual Maximum Coverage (per covered individual) Lifetime Ortho Maximum Coverage (per covered individual children and adults) PPO Network 100% 85% 55% 55% $1,500 per person for Basic and Major care services Choice Plan EPO Plan Core Plan Premier or Out-of-Network PPO Network Only* PPO, Premier or Out-of-Network $25/person; $50/family $0/person; $0/family $0/person; $0/family 100% 75% 45% 45% $1,500 per person for Basic and Major care services up to $1,200 lifetime maximum for Ortho per person * For care received outside the PPO Network, you pay 100% of the cost. The plan pays NOTHING for out-of-network services. 100% 85% 55% 55% $1,500 per person for Basic and Major care services up to $1,200 lifetime maximum for Ortho per person 100% 75% 0% 0% $1,500 per person for Basic and Major care services $0 lifetime maximum for Ortho per person Find an In-Network Dentist To find network dentists, log on to www.deltadentalco.com and follow the steps in the chart below or go to www.sclhealthbenefits.org. To see if your current dentist belongs to a Delta Dental network: Click on Does my dentist participate? in the Find a Dentist box. Enter your address or zip code and your dentist s name; then click on Go. The site will show you which network(s) your dentist belongs to. Or you will see a message saying there is no dentist by that name within 50 miles of your address or zip code. To find a PPO or Premier dentist: Enter your address or zip code in the Find a Dentist box. The site will provide a list of dentists in your area and the network(s) in which they participate. EPO Plan Members: PPO dental providers are available ONLY under the EPO plan option. There are NO BENEFITS available to providers outside the PPO dental network. Learn More For additional assistance, go to www.deltadentalco.com or call Delta Dental of Colorado toll-free at 1-800-610-0201. Prevention First Regular visits to the dentist can improve your overall health. With Prevention First, diagnostic and preventive services like exams, X-rays and cleanings do not count against your annual maximum plan coverage as long as you stay in network for all claims which allows you to stretch those dollars. This could be useful if you need additional treatment. So be sure to see a Delta Dental PPO or Premier dentist (depending on your dental plan selected) for a checkup at least once a year! 24 2016 ENROLLMENT GUIDE INDEX BACK NEXT

VISION BENEFIT Protecting your eyesight is important, but regular eye exams can also lead to early detection of other diseases, like diabetes and high blood pressure. SCL Health offers you vision benefits through the EyeMed Vision Care Network. The Vision Care Plan operates much like a PPO see any vision care provider, but you will receive the greatest benefits if you choose one of the more than 65,000 nationwide EyeMed network providers. This vast network includes private practitioners and retail providers such as LensCrafters, Pearle Vision, Sears Optical, Target Optical, JC Penney Optical and more. To Find a Provider or Learn More To find a network provider or for additional information, visit www.sclhealthbenefits.org or www.eyemedvisioncare.com (select Access as the network from the Choose Network drop down menu), or call 866-723-0513. Plan Pays Service/Product In-Network Out-of-Network Examination/Dilation 100% 100% up to a $60 allowance Lenses Single Vision 100% after $10 copay 100% up to a $55 allowance Bifocal 100% after $10 copay 100% up to a $75 allowance Trifocal 100% after $10 copay 100% up to a $85 allowance Standard Progressive 100% after $75 copay 100% up to a $75 allowance Lens Options UV Coating 100% after $15 copay 0% Tint 100% after $15 copay 0% Scratch Resistance 100% $5 Other Add-Ons 20% discount N/A Frames 100% up to a $140 allowance; 20% discount on amounts over $140 100% up to a $90 allowance Contacts 100% up to a $140 allowance; 15% discount on amounts over $140 for conventional contacts 100% up to a $115 allowance Lasik and PRK 15% off retail or 5% off promotional pricing N/A Benefit Frequency Examinations/eyeglass lenses/ contacts/ frames Once every 12 months 25 2016 ENROLLMENT GUIDE INDEX BACK NEXT

FLEXIBLE SPENDING ACCOUNTS (FSAs) You can use 24HourFlex s online savings calculator at http://24hourflex.com/ tax-savings-calculator/ to estimate the amount of tax savings. FSAs offer a convenient way to pay for out-of-pocket healthcare and dependent care expenses while also saving on taxes. First, you estimate the amount of your out-of-pocket expenses for the year. That amount is then deducted from your pre-tax income through payroll deductions from each paycheck and deposited into a personal reimbursement account. Then, when you use your account for eligible expenses, you do not pay federal, social security or state (if eligible) taxes on your contributions. SCL Health offers two FSA choices: Dependent Care FSA You can use the Dependent Care FSA to pay for daycare and other similar expenses during your and your spouse s working hours away from home. To be eligible, the providers must claim this income on their tax return. The maximum annual contribution for 2016 is $5,000. Associates with the status of highly compensated under IRS rules will not be eligible for the Dependent Care FSA. Health Care FSA You can use the funds in your Health Care FSA to pay for qualified medical, dental and vision care expenses not covered by insurance, such as copays, deductibles, coinsurance, eyeglasses, hearing devices, etc., for yourself and your dependents. The maximum annual contribution for 2016 is $2,500. Open Enrollment Reminder You must re-enroll in Flexible Spending Accounts each year. 26 2016 26 ENROLLMENT 2016 ENROLLMENT GUIDE GUIDE INDEX BACK NEXT

How Do FSAs Work? SCL Health has contracted with 24HourFlex to administer Health Care and Dependent Care FSAs. You set aside pre-tax dollars from each paycheck to your Health Care and/or Dependent Care FSA account(s) to pay for eligible expenses throughout the year. To pay for eligible expenses, you can use your account debit card or pay yourself back by filing a claim for reimbursement from your account, tax-free. This reduces your taxable income and puts more money back in your pocket. Plan your contributions carefully. There is a deadline for spending your FSA funds. You can use the money to pay for eligible expenses incurred between January 1, 2016 of the current plan year and March 15, 2017. You must submit claims for all expenses by April 30, 2017. Any unused funds remaining in your account(s) after the deadline will be forfeited. What is Covered? You can use a Health Care FSA to pay for eligible medical, dental and vision care expenses that are not covered by your healthcare plans, such as deductibles, copays, coinsurance, eyeglasses, contact lenses, hearing devices, etc., for yourself and your dependents. You cannot use your funds to pay for things like elective cosmetic surgery, over-the-counter medications (unless you have a prescription), health club membership fees or maternity clothes. You can use a Dependent Care FSA to pay child and elder care expenses for your eligible dependents, such as daycare and nursery school expenses. You cannot use the account to pay for things like overnight camp or general babysitting. Important FSA Considerations To contribute to an FSA in 2016, you must elect it when you complete your 2016 enrollment. FSAs do not carry over from year to year. Over-the-counter medications cannot be reimbursed from your FSA without a prescription. Estimate carefully! Any money left in healthcare and dependent care FSAs at the end of the year will be forfeited. Learn More 24HourFlex is the FSA program administrator. To access your account details or obtain claim forms, go to www.24hourflex.com or call 1-800-651-4855. For More Information Go the SCL Health benefits website: www.sclhealthbenefits.org For a complete listing of reimbursable FSA expenses, you may contact: 24Hour Flex www.24hourflex.com 1-800-651-4855 IRS www.irs.gov 1-800-829-3676 FSA Online Store FSAStore.com The Flexible Spending Account site, www.fsastore.com, is the only onestop-shop stocked exclusively with FSA-eligible products and services. In addition to more than 4,000 FSA-eligible products, the site offers a national provider database of FSA-eligible services and an FSA Learning Center. Accepts all FSA-debit and major credit cards. Offers 24/7 customer service. One-to-two-day turnaround and free shipping on orders $50 or more. 27 2016 ENROLLMENT GUIDE INDEX BACK NEXT

LIFE INSURANCE AND ACCIDENTAL DEATH & DISMEMBERMENT COVERAGE (AD&D) Designating a Beneficiary Online SCL Health has a paperless beneficiary designation process through Lawson Employee Self Service. You can update your beneficiary online at any time. While enrolling in your 2016 benefits, you can take the opportunity to enter or update your beneficiaries. If you have not designated your beneficiary through the online process before or you do not elect a beneficiary, your Life and AD&D Insurance benefits will be paid in the order listed on this page. Learn More Visit the benefits website at www.sclhealthbenefits.org, where you will find brochures on Life and AD&D Insurance Benefits as well as how to designate your beneficiary. SCL Health provides Life and Accidental Death and Dismemberment (AD&D) coverage to help preserve your family s standard of living in the event of your death or serious injury. SCL Health provides, at no cost to you, Basic Life and Accidental Death and Dismemberment (AD&D) coverage. You can elect additional Supplemental Life and AD&D for you, your spouse and/or your children. You pay the full cost of Supplemental Life and AD&D coverage. How Benefits are Paid Life and AD&D insurance payments are made to you upon the death of a covered spouse or children. Benefit payments are made in the order listed below in the event of your death unless you designate a different beneficiary. 1. Your spouse 2. Your children 3. Your parents 4. Your brothers and sisters 5. Your estate 28 2016 ENROLLMENT GUIDE INDEX BACK NEXT

How Life and AD&D Benefits are Paid (continued from Page 28) Benefit* Benefit Detail Evidence of Insurability Requirements Basic Life and AD&D SCL Health provides this benefit at no cost to you. Benefit is 1x salary Maximum is $1 million with guaranteed issue amount of $500,000 Any amount over $500,000 will require Evidence of Insurability. Associate Coverage Supplemental Life and AD&D 1x, 2x, 3x, 4x or 5x salary Maximum is $1 million with guaranteed issue amount of $500,000 Open Enrollment: If you have previously elected supplemental coverage, you can increase coverage by one level up without providing Evidence of Insurability. Any increase greater than one level and/or greater than $500,000 is subject to Evidence of Insurability. If previously eligible and supplemental coverage was waived, any coverage elected for 2016 will require Evidence of Insurability. New Associates: Newly eligible associates who are enrolling in supplemental life insurance for the first time can elect the full amount (5x annual salary up to $500,000) with no Evidence of Insurability. Elections greater than $500,000 will require Evidence of Insurability. For 2016, any amount of dependent supplemental life insurance over the $50,000 guaranteed issue amount is subject to Evidence of Insurability. If previously eligible and supplemental coverage was waived, any coverage elected for 2016 will require Evidence of Insurability. Dependent Coverage Dependent Life and AD&D Spouse $25,000; $50,000; $100,000; $150,000 or $200,000 You may purchase the $25,000 or $50,000 Dependent Life coverage for your spouse without purchasing Supplemental Life coverage for yourself For higher coverage increments, you must purchase associate Supplemental Life coverage; Spouse coverage may not be higher than your Supplemental Life coverage amount Guaranteed issue amount is $50,000 $5,000; $10,000 or $25,000 Dependent Life and AD&D Children None * Age-based coverage reductions for associate, spouse/lda coverage begin at age 65. See the table of age-based coverage reductions. Evidence of Insurability (EOI) Once enrollment elections are submitted to the life insurance carrier, an email and/or a letter will be mailed to your home mailing address. Follow the instructions to complete the online health questionnaire in order to receive the additional life insurance amount that you have elected. Age-Based Coverage Reduction for Associate and Spouse/LDA Life and AD&D: Age Band Reduced Coverage Percentage 65-69 65% 70-74 40% 75 + 20% Will Preparation and Estate Planning Help protect your and your family s financial future. This simple, online will preparation tool through Cigna lets you create a customized will built around your state-specific laws. You can also create other legal documents, like a living will and power of attorney document. It s easy, safe and secure. Get prepared: CignaWillCenter.com Identity Theft Use Cigna s online tips and prevention kit to help stop identity theft before it happens. If your identity is stolen, they can help. Just call the personal case managers for step-by-step help with everything from identity theft to credit card fraud to emergency travel arrangements. Realtime support is available anytime, from anywhere in the world. Get help: 888-226-4567. Let your case manager know you re in the Cigna Identity Theft program group #57. 29 2016 ENROLLMENT GUIDE INDEX BACK NEXT

DISABILITY BENEFITS Learn More Visit the benefits website at www.sclhealthbenefits.org, where you will find links to STD and LTD brochures on the Disability Plan page. SCL Health provides this coverage to all benefit-eligible associates and pays the full cost of coverage for the basic plans. If you are unable to work due to an extended illness or a non-work-related injury, your disability benefits will replace a portion of your income. Disability income will help you take care of household expenses until you are able to return to work. Short-Term Disability (STD) basic plan replaces income from the 8th to 180th day of qualified disability. SCL Health provides this benefit at no cost to you. If your disability is approved, you may receive 60 percent of your weekly earnings up to a maximum of $2,500 per week. Long-Term Disability (LTD) basic plan pay begins on the 181st day of disability. If your disability is approved, you may receive 50 percent of your monthly earnings up to a maximum of $15,000 per month. The benefit is reduced by certain offsets such as primary Social Security benefits. SCL Health pays the total cost of this benefit for you, so the premium is recorded as imputed income on your paycheck. You will not have to pay taxes on the benefit in the event you are disabled. You pay taxes on the cost of the employer premium; however, you pay no tax when the benefit is paid during disability. Disability Benefits Short-Term Disability (basic plan) Long-Term Disability (basic plan) Long-Term Disability (optional buy-up plan) Pays 60% of pre-disability base pay for day 8 through day 180 of disability, up to a maximum of $2,500 weekly disability. You may supplement the STD pay from your current extended leave balance and Paid Time Off (PTO) hours. The STD benefit is taxable when paid during disability. Pays 50% of pre-disability base pay after 180 days of disability. You pay imputed income taxes on the COST of SCL Health s premium; however, the LTD benefit is not taxable income during disability. You may elect to purchase a buy-up option of 10% to increase the LTD benefits to 60% of predisability base pay. You pay the buy-up premium in after-tax dollars, so the benefit paid during disability remains nontaxable. The cost of LTD coverage SCL Health pays will be imputed to your income. 30 2016 ENROLLMENT GUIDE INDEX BACK NEXT

LEGAL BENEFITS During annual Open Enrollment, you can elect group legal coverage through Hyatt Legal Plans, a MetLife company, for access to: Unlimited telephone and office consultations for personal legal matters with an attorney in the Hyatt network. E-Services, including attorney locator; law firm e-panel; law guide; free, downloadable legal documents; financial planning, insurance and work/life resources. Representative Services Estate Planning Documents Document Review Family Law Immigration Assistance Elder Law Matters Real Estate Matters Document Preparation Traffic Offenses Personal Property Protection Financial Matters Juvenile Matters Defense of Civil Lawsuits Consumer Protection Family Matters Learn More Visit www.sclhealthbenefits.org or the Hyatt MetLaw website at www.legalplans.com. You also can call their Client Service Center at 1-800-821-6400 Monday through Friday, 8 a.m. to 7 p.m. (Eastern Time). EMPLOYEE ASSISTANCE PROGRAM (EAP) SCL Health recognizes that living a productive and fulfilling life requires a healthy mind and a healthy body. Unfortunately, managing the daily stresses of work, home and family life can have a negative effect on your overall health and well-being. The Employee Assistance Program (EAP) provides guidance resources to help. The EAP offers over-the-phone consultations with experienced clinicians who can refer you to a local counselor or other resources near you. Here are just a few of life s challenges that may be helped by EAP: In addition, your EAP provides referral services and information for the following: Legal issues including divorce, bankruptcy and criminal actions. Financial information including debt, retirement planning and saving for college. Using this benefit is simple. Just call the toll-free phone line 24 hours a day, seven days a week; or go online to find valuable information. Managing stress. Work-life needs including finding child or elder care and planning for college. Handling relationship issues. Balancing work and life. Quitting tobacco, alcohol or drug use. Dealing with conflict or violence. Learn More If you would like more information about the EAP, call 1-800-624-5544 or go online to www.ndbh.com and enter Company ID: SCLHEALTH to access additional EAP benefits. 31 2016 ENROLLMENT GUIDE INDEX BACK NEXT

BENEFIT PLAN PROVIDERS CONTACT LIST The SCL Health HR Service Center is available to assist you with your benefit questions. They are available Monday through Friday, 7:30 a.m. - 5:00 p.m., MT. Call toll free 855-412-3701 or 303-813-5250. Use this Resources at a Glance chart for quick reference. Benefit Administrator Phone Website Medical Pharmacy Cigna Kaiser Permanente Cigna Cigna CDHP and PPO members 800-CIGNA24 (1-800-244-6224) Request Hospital Vertical Team www.cigna.com or www.mycigna.com 1-877-883-6698 www.kp.org 1-800-CIGNA24 (1-800-244-6224) Request Hospital Vertical Team www.cigna.com or www.mycigna.com Kaiser Pharmacy Kaiser Permanente 1-866-427-7701 www.kp.org/formulary members Mail Order Pharmacy Services at 303-689-6121 Good Samaritan 1-855-235-4301 Medical Center www.sclhealthbenefits.org Cigna Plan Members Dental Delta Dental 1-800-610-0201 www.deltadentalco.com Annual Open Enrollment for 2016 Benefits: October 14-30, 2015 ENROLLMENT RESOURCES: 1. Benefits Website www.sclhealthbenefits.org 2. SCL Health HR Service Center 1-855-412-3701 or 303-813-5250 Representatives are available Monday through Friday, 7:30 a.m. - 5:00 p.m. Mountain Time 3. Trouble logging into Lawson Employee Self-Service (ESS)? Help Desk 1-855-866-8282 Vision EyeMed 1-866-723-0513 www.eyemedvisioncare.com Flexible Spending Accounts (FSA) Life Insurance and AD&D Coverage Short-Term and Long-Term Disability 24HourFlex 1-800-651-4855 www.24hourflex.com Cigna Cigna 1-800-36-CIGNA (1-800-362-4462) 1-888-84-CIGNA (1-888-842-4462) www.cigna.com/customer-forms www.cigna.com or www.mycigna.com Legal Hyatt Legal Plans 1-800-821-6400 www.legalplans.com Wellness New Directions Employee Assistance Program 800-624-5544 www.ndbh.com company code: SCLHEALTH Preventure 888-321-4326 www.partnersinhealth.sclhealth.org SCL Health HR Service Center Cigna Personal Health Team Kaiser Health and Wellness SCL Health 800-244-6224 Request Personal Health Team 866-862-4295 toll free 855-412-3701 or 303-813-5250 www.mycigna.com https://healthy.kaiserpermanente.org/ health/care www.sclhealthbenefits.org To reach Cigna representatives who are experts on our three tier plans, request the Hospital Vertical Team when calling Cigna. The Hospital Vertical Team is available during business hours Monday Friday. 32 2016 ENROLLMENT GUIDE INDEX BACK NEXT

2016 SCL HEALTH BENEFIT RATES 2016 BENEFIT RATES Per pay period deductions taken twice monthly. There are 24 payroll deductions in 2016. 2015. Full-Time Amounts Part-Time Amounts MEDICAL Associate Pays* Company Pays Associate Pays* Company Pays CIGNA CDHP Associate Only $32.82 $37.12 $200.06 $218.94 $60.44 $68.36 $172.44 $187.70 Associate + Spouse $65.63 $74.23 $400.12 $437.88 $120.89 $136.73 $344.86 $375.38 Associate + Children $59.06 $66.80 $360.12 $394.11 $108.79 $123.04 $310.39 $337.87 Associate + Family $103.93 $91.89 $613.02 $560.15 $169.25 $191.42 $482.79 $525.53 CIGNA PPO Associate Only $64.61 $73.07 $278.69 $257.22 $125.24 $110.73 $226.52 $211.10 Associate + Spouse $146.18 $129.25 $557.34 $514.41 $250.69 $221.65 $452.83 $422.01 Associate + Children $131.56 $116.32 $501.60 $462.97 $225.61 $199.48 $407.55 $379.81 Associate + Family $204.65 $180.95 $780.27 $720.17 $350.97 $310.32 $633.95 $590.80 Kaiser Permanente Associate Only $64.60 $57.12 $233.58 $241.06 $110.76 $97.93 $187.42 $200.25 Associate + Spouse $129.21 $114.24 $467.15 $482.12 $221.52 $195.86 $374.84 $400.50 Associate + Children $116.30 $102.83 $420.43 $433.90 $199.36 $176.27 $337.37 $360.45 Associate + Family $180.91 $159.96 $654.00 $674.95 $310.12 $274.20 $524.79 $560.71 DENTAL Associate Pays* Company Pays Associate Pays* Company Pays Delta Core Plan Associate Only $2.64 $9.76 $3.97 $8.43 Associate + Spouse $5.28 $19.51 $7.95 $16.84 Associate + Children $5.28 $19.51 $7.95 $16.84 Associate + Family $7.93 $29.26 $11.88 $25.31 Delta EPO Plan Associate Only $3.48 $10.90 $4.78 $9.60 Associate + Spouse $6.96 $21.79 $9.57 $19.18 Associate + Children $6.96 $21.79 $9.57 $19.18 Associate + Family $10.45 $32.68 $14.38 $28.75 Delta Choice Plan Associate Only $8.34 $14.67 $10.91 $12.10 Associate + Spouse $16.69 $29.32 $21.80 $24.21 Associate + Children $16.69 $29.32 $21.80 $24.21 Associate + Family $25.03 $43.99 $32.73 $36.29 VISION EyeMed Associate Pays* Company Pays Associate Pays* Company Pays Associate Only $4.98 $0.00 $4.98 $4.44 $0.00 Associate + Spouse $9.20 $0.00 $9.20 $8.21 $0.00 Associate + Children $8.20 $0.00 $8.20 $7.32 $0.00 Associate + Family $12.93 $0.00 $12.93 $11.55 $0.00 * Rates do do not not reflect if you if you are are eligible and and are are currently receiving Medical Assistance Premium Program. 33 32 2016 2015 ENROLLMENT GUIDE INDEX BACK NEXT

Per pay period deductions taken twice monthly. There are 24 payroll deductions in 2016. *SUPPLEMENTAL ASSOCIATE LIFE AND AD&D PREMIUM RATE CALCULATION Age Band <30 30-34 35-39 Monthly Rate per $1,000 $0.042 $0.046 $0.058 Rate Per Pay Period Formula: 1. Multiply your annual base salary by the level of coverage you select (1x, 2x, 3x, 4x or 5x) 40-44 $0.079 2. Round the result to the next highest 1,000 45-49 $0.131 3. Divide that amount by 1,000 50-54 55-59 $0.196 $0.317 4. Multiply that result by the monthly rate per age band 5. Divide that amount by 2 to 60-64 $0.450 give you your pay period 65-69 $0.922 premium rate >69 $1.584 Example: Your salary is $49,800, age 38, and electing 2x coverage: 1. $49,800 x 2 = $99,600 2. Round $99,600 to the next highest 1,000 = $100,000 3. $100,000 divided by 1,000 = $100 4. $100 times $.058 = $5.80 5. $5.80 divided by 2 = $2.90 (Rate per pay period) Age-Based Coverage Reduction Formula for Associate and Spouse / LDA Life and AD&D: Under our policy with Cigna, Life and AD&D insurance coverage is reduced at age 65. The aged-based coverage reduction applies to Associate and Spouse / Legally Domiciled Adult (LDA) Life and AD&D Coverage. Age Band Reduced Coverage Percentage 65-69 65% 70-74 40% 75 + 20% Associate Life and AD&D Coverage Formula: Life Coverage = 1. Salary multiplied by the level of coverage (Basic Life and AD&D = 1x) 2. Multiply that amount by the age-based coverage percentage Example: If your salary is $100,000 and you are age 67, your Basic Life coverage would be: 1. $100,000 x 1 = $100,000 2. $100,000 x.65 = $65,000 DEPENDANT LIFE INSURANCE AND AD&D COVERAGE PREMIUM RATES *SPOUSE LIFE Spouse Life and AD&D Coverage Formula: Spouse Life Coverage = Coverage amount (options listed below) multiplied by the age-based coverage percentage Example: If you chose Spouse Life and AD&D coverage of $50,000, and your spouse is age 74, then the Spouse Coverage would be: $50,000 x.40 = $20,000 LONG-TERM DISABILITY (LTD) BUY UP PREMIUM RATE Rate: $0.268 per $100 of coverage per month Coverage $25,000 $50,000 $100,000 $150,000 $200,000 Per Pay Period $2.96 $5.93 $11.85 $17.78 $23.70 CHILD LIFE Coverage $5,000 $10,000 $25,000 Per Pay Period $0.25 $0.49 $1.23 Per Pay Period Formula: 1. Divide your annual base salary by 12 months 2. Divide by 100 3. Multiply by the rate 4. Divide that by 2 to get the premium rate per pay period Example: 1. Your salary is $49,800: $49,800 divided by 12 = $4,150 2. $4,150 divided by $100 = $41.50 3. $41.50 times $0.268 = $11.12 4. $11.12 divided by 2 = $5.56 rate per pay period LEGAL PLAN Per Pay Period $7.88 * 2016 Elections may be subject to Evidence of Insurability (EOI) Page 29 34 2016 ENROLLMENT GUIDE INDEX BACK NEXT

SCL Health would like to provide you with information on recently updated Regulatory Notices. These important benefit regulatory notices are required disclosures that should be reviewed by all associates, their adult dependents (including spouses) and guardians of minor children who are covered under the SCL Health Benefit Plan. HIPAA Privacy Notice Family Medical Leave Act Rights Responsibilities Notice HIPAA Special Enrollment Rights Notice Medicaid and the Children s Health Insurance Program (CHIP) Notice Medicare Part D Certificate of Creditable Coverage Newborns Act Notice Women s Health and Cancer Rights Act Notice To access these notices, simply visit the Regulatory Notices located on the benefits website at www.sclhealthbenefits.org. 35 2016 ENROLLMENT GUIDE INDEX BACK NEXT

500 Eldorado Blvd. Suite 4300 Broomfield, CO 80021 303-813-5190 sclhealth.org This benefits enrollment guide provides a summary of various plans included in the SCL Health benefit program effective January 1, 2016. Complete details of the plans are included in the official plan documents and contracts. If there is a difference between this benefits enrollment guide and the legal documents or contracts, then the plan documents or contracts will govern in every instance. In addition, SCL Health reserves the right to change or terminate the benefits program, individual plans or any provisions of any plans at any time. 2015 Sisters of Charity of Leavenworth Health System, Inc. All rights reserved. MAKE INFORMED CHOICES 36