2014 HealthPort Open Enrollment

1. 2014 HealthPort Open Enrollment October 14th-25th, 2013

2. 2014 Open Enrollment Highlights • HealthPort continuously assesses benefits costs in order to determine any necessary program changes while striving to provide a comprehensive benefits package to all eligible associates. Here are the 2014 highlights: • We are excited to be offering a dual option High Deductible Health Plan with a Health Savings Account along side our standard PPO plan • The PPO plan will still be offered however, there are some benefit changes. • The Standard will continue to provide the dental and vision insurance with no changes to benefits or price. • We will be changing Health and Dependent Care Spending Account administrators to Benefit Resources Inc. • The critical illness, accident, and legal plans have been discontinued.

3. Considerations for 2014 Open Enrollment • 2014 Open Enrollment is taking place October 14th – 25th • Choose medical plan carefully - elections take effect January 1, 2014. Pre-Tax elections cannot be changed during the year unless you have an IRS qualified event • Our new FSA vendor is Benefit Resources Inc.(BRI) • You must re-enroll in the Health Care and Dependent Care Flexible Spending Accounts (FSAs) every year

4. Enrollment Instructions • We are having an active enrollment. You have to make an election to continue coverage. If you take no action, we will assume you are waiving coverage. • Go to the UltiPro Homepage and select Myself > Open Enrollment • Select the current open enrollment session • Verify and add any new dependents • Follow the steps to enroll or decline in each benefit

5. UHC Medical Plan Options

6. UHC Choice Plus Plan • Predictable copayments • Coverage for non-network care available at lower benefit level • See any network doctor, including specialists, without referrals • No need to choose PCP • 100 percent preventive care coverage in network • Care management if you require a hospital stay • Prior-authorization may be needed for certain services

7. United Healthcare PPO Plan

8. UHC High Deductible Health Plan with Health Savings Account • Combines a tax preferred Health Savings Account (HSA) with corresponding High Deductible Health Plan (HDHP). • HealthPort will match dollar for dollar up to the first $500 for single coverage or the first $1000 for family coverage. • Preventive services are covered at 100%. • Set aside pre-tax dollars to pay for current medical expenses or to save for future medical expenses. • You must not be covered by any other health plan, including a spouse’s plan, a flexible spending account, or Medicare. • 2014 HSA Maximum annual contributions (as set by the government) are $3,300 single / $6,550 Family (including company matching contribution). Catch-up contributions (age 55 or older) are limited to $1,000.

9. HDHP with HSA plan

10. In Depth LookHSA Functionality

11. What is A Health Savings Account (HSA) • A personal bank account that you own. • You can use the money to pay for qualified medical expenses today • Or, you can save it for a future medical need — even into retirement. • You won’t have to pay federal income tax on: • Deposits you or others make to your HSA • Money you spend from your HSA on qualified expenses • Interest earned on the HSA Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

12. Your HSA Is Your Money If you leave your employer or change health plans, you take your HSA with you. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. • Any money deposited into your HSA is yours to keep. • There are some bank fees associated with this account • There is no “use it or lose it” rule.

13. How Your Plan Works • You will pay the full cost of your qualified medical expenses until you meet your deductible. • You can choose to pay for care from your HSA or you can pay another way and let your HSA grow. • Preventive care is covered 100% in network. 1. Your deductible You choose to pay out of your pocket OR with your HSA Preventive care is covered 100% in the network. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 1.Your deductible

14. How Your Plan Works • Your plan pays a percentage of your expenses, which is called co-insurance. • You pay the rest. • After the deductible, you may have a co-payment for prescriptions. 1. 2. Your deductible Your coverage You choose to pay out of your pocket OR with your HSA Your plan pays % You pay % + co-insurance Preventive care is covered 100% in the network. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 2. Your coverage

15. How Your Plan Works • You are protected from major expenses with an out-of-pocket limit. • The plan will then pay 100% of all remaining covered expenses for the rest of the plan year. • Your deductible, co-insurance and co-payments (if they apply) go toward meeting your limit. 1. 2. 3. Your deductible Your coverage Your out-of-pocket limit You choose to pay out of your pocket OR with your HSA Your plan pays % You pay % + You are protected co-insurance When you reach your out-of-pocket limit, the plan pays 100%. Preventive care is covered 100% in the network. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 3. Your out-of-pocket limit

16. Choose Your Bank Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. • OptumBankSM, Member FDIC • UnitedHealthcare’s preferred health care bank • The national leader in HSA banking with more than a million account holders • Offers the convenience of banking through myuhc.com® • Your card will have the UHC logo and come in a non-descript envelope for security reasons.

17. United HealthcareTools and Resources

18. myuhc.com • Find network doctors/hospitals • Estimate costs • Track claims status • Build a health improvement program • Keep a personal health record • Get health product discounts Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 18

19. myHealthcare Cost Estimator Know the 4 Ps when shopping for health care. myHealthcare Cost Estimatorprovides you with a wealth of information before you go to the doctor. Now, searching for personalized health care information is as easy as any online shopping experience. 1. PROCEDURE Learn more about a procedure and compare treatment options. 2. PROVIDER Select a quality provider for a procedure. 3. PRICE Quickly estimate out-of-pocket costs for specific procedures. 4. PLACE Locate providers based on geographic search criteria, view maps and print directions. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 19

20. UnitedHealthcare Health4Me™ Mobile App Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. • Find nearby physicians • Track claims • See your account balance • Speak directly with a nurse and more

21. The StandardDental and Vision Plan Options

22. Standard Dental Passive PPO High Option

23. Standard Dental Passive PPO Low Option New enrollee waiting periods apply, 6 months for Basic services, 12 months for major services

24. Standard Vision Plan

25. The StandardLife and Disability Insurance

26. The Standard: Supplemental Life Insurance Supplemental Employee Life Supplemental Dependent Life Evidence of Insurability (EOI) will be required for Employee, spouse and dependents if you have not previously had coverage.

27. The Standard: Short Term Disability Evidence of Insurability (EOI) will be required during Open Enrollment if you don’t have current coverage. * Effective 1/1/14, benefit deductions will be taken out of disability checks

28. The Standard: Long Term Disability Evidence of Insurability (EOI) will be required during Open Enrollment if you have not previously had coverage.

29. Other Benefits

30. Other Benefits

31. Email Questions to: benefits@healthport.com Questions?

32. Questions? • Your Go-to Expert for Healthcare Help • Find the right doctors, hospitals and other providers including researching treatment options and securing second opinions • Clarify benefit coverage. Inform about any changes, new plan options and additional programs • Help schedule appointments and tests with doctors, hospitals, facilities and hard-to-reach specialists • Resolve billing and insurance claims issues, saving you time, money and stress • Estimate costs of common procedures so you can be an informed shopper • Explain conditions and treatment instructions • Help arrange eldercare services including transportation, adult day care, long-term care, etc.