2018 Benefits overview - aetna.com

1 Adventure2019 Benefits to Well-beingAt aetna , we talk a lot about building a healthier world. If we re going to truly deliver on this mission, we need to acknowledge that health is more than the absence of illness. It s built through everyday habits and comprises many s why we ve entered into a five-year research partnership with faculty at the Harvard Chan School of Public Health to study the determinants of well-being. When we understand these drivers, we can better support those we serve beginning with our more about how we re redefining well-being around six dimensions and the programs we offer to support employees across these areas.

2 6dimensions of well-beingWe provide support across all areas of your well-being1physical healthBeing sufficiently healthy to be able to carry out the important tasks in life now and into the future Lifestyle and condition coaching Nutrition and fitness programs Clinical and care management programs Comprehensive medical plans2emotional healthBeing satisfied with life, having good mental health and being able to deal with difficult emotions Mindfulness programs and resources Pet therapy (select locations) Employee Assistance Program and tools for coping with stress, depression and more3financial securityHaving sufficient financial resources to be able to pursue one s life goals and not overly worry about making ends meet 401(k)

3 Matching Financial coaching Well-being reimbursement and rewards Education assistance and student loan matching4social connectednessHaving close, meaningful and supportive relationships, and being respected by and connected to community Employee Resource Groups Volunteer activities5purposeHaving a sense of meaning in life, a direction to one s activities and pursuing what is most important Career development In-person, virtual and online training and resources6character strengthsHaving consistent thoughts and actions that contribute to the good of oneself and others Mindfulness programs and resources In-person, virtual and online training and resources Employee recognition programCheck out the rest of this guide for an overview of the Benefits aetna offers to help you on your path to of contents4 Benefits we pay for6 Adoption Assistance Program6A etna Resources For LivingSM6 Basic Life insurance6 Business Travel Accident insurance6 Long Term Disability (LTD)6 Paid time off (PTO) and holidays6 Short Term Disability (STD)

4 Benefits where we share the cost with you7 Dental plans7 Medical plans7 Vision planBenefits available at an additional cost to you8 Accidental Death and Personal Loss (AD&PL) insurance8 aetna Accident Plan8 aetna Commuter Benefits8 aetna Critical Illness Plan8 aetna Voluntary Hospital Plan9 Flexible Spending Accounts9 Hyatt Legal Plan9 Supplemental Term Life insuranceFinancial benefits10 aetna 401(k) Plan10 Employee Tuition Assistance Program10 Student Loan Repayment Program5 Well-being programs11 aetna Resources For Living11 Employee discounts11 Financial well-being11 Fitness centers and programs12G rok ker 12 Health Your Way (lifestyle and condition coaching)

5 12 Massage therapy12 Medical plan premium credits13 Mindfulness13myStrength13 Walkstation program14 Well-being Reimbursement Program14 Well-being Rewards Program14 Well-being webinars14 Wellness Works Centers14 Zipongo Premium credits15 Medical plan premium creditsLegal16 Availability of Language Assistance Services17 Non-Discrimination 1557 NoticeDisclaimer These are only highlights of the Benefits we offer. The actual plan documents are the governing documents, and if discrepancies are found, the plan documents will govern. aetna retains the right to amend or terminate its Benefits at any time, and participation in the plans described does not guarantee your right to any Benefits , except as specifically provided in the 2019 Benefits overview for regular employees (working 20 hours or more per week)

6 Benefits we pay forDescriptionAdoption Assistance Program Maximum $5,000 reimbursement for adoption expensesAetna Resources For Living Offers a wide range of support services such as confidential counseling services, resources for elder care, child care, legal and financial matters, web-based information and more Up to five employee assistance confidential counseling sessions for each household member per incident Access to discount programs with brand-name vendors In times of need, the EAP [Employee Assistance Program] is the greatest program ever available to us as employees. It s confidential, fast service and the counselor was very experienced and helpful.

7 aetna employeeEMOTIONAL HEALTHB asic Life insurance 1x eligible pay, with a minimum benefit of $10,000 Business Travel Accident insurance An amount equal to the greater of $50,000 or 5x eligible pay to a maximum of $1,000,000 Long Term Disability (LTD) For new hires, benefit becomes effective on the 1st day of the month following 60 days of service 26-week waiting period before LTD Benefits are payable 60% of eligible pay (taxable benefit), up to a monthly maximum benefit of $15,000 Paid time off (PTO) and holidays PTO: 18 to 28 days annually based on length of service (prorated if scheduled to work less than 40 hours per week) Holidays.

8 8 company-paid holidaysShort Term Disability (STD) For new hires, benefit becomes effective on the 1st day of the month following 60 days of service One-week waiting period before STD Benefits are payable Up to 12 weeks of pay at 80% of base pay, then up to 13 weeks of pay at 60% of base pay, if short-term disability Benefits continue to be approved 7 aetna 2019 Benefits overview for regular employees (working 20 hours or more per week) Benefits where we share the cost with you DENTAL PLANSD eductible CoinsuranceDental Maintenance Organization* (DMO)In network only (no out-of-network coverage) No deductible Requires primary care dentistPreventive 100%Ortho 75%, no maximum limitDental Preferred Provider Organization* In network $50 individual/$150 familyOut of network $100 individual/$300 familyPreventive 100% (deductible waived)Ortho $2,000 in network/ $1,500 out of network (lifetime maximum)*Where availableMEDICAL PLANS*In-network deductibles Coinsurance** aetna HealthFund Health Savings Account (HSA) plans$1,400 $5,000 individual$2,800 $10,000 individual and dependent(s)Out-of-network coverage available80% in network50% out of networkAetna HealthFund Health Reimbursement Arrangement (HRA)

9 Plans$1,000 $1,800 individual$2,000 $3,600 individual and dependent(s)Out-of-network coverage available80% in network50% out of networkAPCN Plus aetna Whole HealthSM Health Savings Account (HSA) plan (certain geographic locations)$1,400 individual$2,800 individual and dependent(s)Out-of-network coverage available80% in network50% out of networkAetna Hybrid plan$4,000 individual$8,000 individual and dependent(s)In network only (no out-of-network coverage)$25 copay for certain services*All medical plans include an employer HSA or HRA contribution, except for aetna Hybrid plan. **Coinsurance limits PLANA etna VisionSM Preferred In- and out-of-network coverage for frames, lenses and contact lenses Discounts on LASIK eye surgery and additional pairs of glassesThe deductible is the amount you must satisfy before the plan begins to pay Benefits .

10 Coinsurance is the percentage of covered expenses that the plan pays after any applicable deductible has been 2019 Benefits overview for regular employees (working 20 hours or more per week) Benefits available at an additional cost to you(Premiums or costs are paid at 100 percent by the employee through payroll deduction)DescriptionAccidental Death and Personal Loss (AD&PL) insuranceEmployee 1x to 6x eligible pay, up to a maximum of $2,000,000 Dependent Spouse/Partner: 50% of employee s optional AD&PL Spouse/Partner and Child(ren): 40% of employee s optional AD&PL for spouse/partner and 5% for each child Child(ren) only.