DXC 2022 Benefits Annual Enrollment

1 DXC 2022 Benefits Annual Enrollment Frequently Asked Questions (FAQs) Standard Frequently Asked Questions (FAQs) Standard All rights reserved. DXC Confidential Information i We know there are a lot of FAQs! That is because there is a lot of important benefit plan information you need to know about before you enroll so you don t encounter any issues later. If you have a specific question, see if it s in the list below and click on the link to be taken directly to the answer you re looking for. Otherwise, feel free to browse and scan the FAQs at your own pace. Note: These FAQs apply to DXC s standard benefit plans. Benefits Annual Enrollment .. 1 1. When is Benefits Annual Enrollment ? .. 1 2. What s changing for 2022?

2 1 3. What do I need to do? .. 1 4. If my medical plan premiums are increasing, what can I do to mitigate the increase? .. 2 5. Who s eligible for Benefits ? .. 2 6. Is my common law spouse eligible for Benefits ? .. 3 7. Is my same-sex domestic partner eligible for Benefits ? .. 3 Dependent Verification .. 4 8. Will I have to provide documentation to verify my dependents? .. 4 9. Why do I need to verify my dependents? .. 4 10. What will happen if I don t submit the required documentation to verify my dependent? .. 4 The Aon Active health Exchange .. 4 11. What is an exchange? .. 4 12. Is Aon s exchange sponsored by the government? .. 5 13. Does DXC sponsor my health coverage? .. 5 14. If I enroll in a Gold medical plan, do I have to enroll in a Gold dental and vision plan?

3 5 15. What are the advantages of the exchange? .. 5 16. Are all DXC Benefits part of the exchange? .. 5 17. Where can I get more information? .. 6 My Medical Options .. 7 18. What are my options for medical coverage? .. 7 19. What happens if I move from a Gold or Platinum medical option to a Bronze, Bronze Plus, or Silver medical option and have expenses early in the plan year? .. 7 20. I live in California. How are my medical options different? .. 8 21. Why do employees in California have different plans? .. 8 22. I live outside the carriers service area. How are my medical options different? .. 9 23. What happens if I move during the plan year? .. 9 24. What s the difference between a traditional PPO and a high-deductible PPO?

4 9 25. Is one coverage level better than another? .. 9 26. Can each family member choose a different medical coverage level or insurance carrier? .. 10 Frequently Asked Questions (FAQs) Standard All rights reserved. DXC Confidential Information ii 27. Which medical insurance carriers will I be able to choose from? .. 10 28. Will I be able to use the same providers as I do today? .. 10 29. My doctor s office says they participate in my carrier s network so I don t need to check, right? .. 11 30. Why should I use in-network providers? .. 11 31. Am I required to designate a primary care physician (PCP)? .. 11 32. How should I choose a medical insurance carrier if my dependents and I live in different states?

5 11 33. How do I decide which medical option is right for me? .. 12 34. How can the pre- Enrollment pricing modeler help me do the math? .. 13 35. Will pre-existing conditions be covered? .. 14 36. What s included in the preventive care that s covered at 100% by all medical options? . 14 37. How will my prescription drugs be covered? .. 14 38. What will I have to pay when I need medical care? .. 14 39. What is a deductible, and how does it work? .. 15 40. What s an out-of-pocket maximum and how does it work? .. 15 41. What is prior review, and when is it required? .. 16 42. Will I receive a new ID card for medical and prescription drug coverage? .. 16 43. What will the 2022 Healthy Behaviors Wellness program look like?

6 17 44. Why are the wellness program and incentives only available to employees enrolled in an HDHP? .. 18 45. Once I complete a wellness activity, how quickly will incentives be credited to my HSA account ? .. 18 My Dental Options .. 18 46. What are my options for dental coverage? .. 18 47. Am I required to designate a primary care dentist? .. 19 48. Which dental insurance carriers will I be able to choose from? .. 19 49. What do I need to know about dental networks? .. 19 50. Why is the Platinum dental coverage level less expensive than other options? .. 20 51. Will I receive a new ID card for dental coverage? .. 20 My Vision Options .. 20 52. What are my options for vision coverage? .. 20 53. Which vision insurance carriers will I be able to choose from?

7 20 54. What do I need to know about vision networks? .. 21 55. Will I receive an ID card for vision coverage? .. 21 Tax-Favored Accounts (HSAs, HRAs, and FSAs) .. 21 56. Who administers DXC tax-favored accounts? .. 21 57. What do I need to know about the transition to Alight Smart-Choice Accounts? .. 21 Frequently Asked Questions (FAQs) Standard All rights reserved. DXC Confidential Information iii 58. Tax-favored accounts always talk about qualified expenses. What are those? .. 22 59. What s a health savings account (HSA)? .. 22 60. Why would I want to open an HSA? .. 22 61. Who is eligible to open an HSA? .. 23 62. What is CIP? .. 23 63. What is UMB? .. 24 64. What if I fail the CIP process? .. 24 65.

8 I want to enroll in a high-deductible health plan, so I can earn wellness incentives, but I am not eligible to open an HSA. What are my options? .. 24 66. I currently have an HSA with a balance but won t be enrolling in a high-deductible health plan next year. Does this mean I have to forfeit my HSA account or that I can t spend the money? .. 24 67. How is an HSA ( health savings account ) different from a health Flexible Spending account ( health FSA) and a health Reimbursement account (HRA)? .. 24 68. If I m enrolled in a high-deductible health plan (HDHP), am I able to open a health FSA? .. 26 69. Can I contribute to an HSA if I am covered under my spouse s general-purpose health FSA? .. 26 70. Can I keep my HSA through DXC if I don t enroll in a high-deductible health plan (HDHP) for 2022?

9 26 71. I m not enrolling in a high-deductible plan for 2022. Do I have to leave my HSA money at UMB and pay the fees? .. 26 72. I currently have money in another, non-DXC HSA from a prior employer. Can I roll that money over into my DXC HSA? .. 26 73. What are the 2022 contribution limits for flexible spending accounts (FSAs)? .. 27 74. If I don t use all my health FSA money by December 31, 2022, can I roll it over? .. 27 75. If I don t use all my Dependent Care FSA money by December 31, 2022, can I roll it over? .. 27 76. What is a commuter reimbursement account ? .. 27 My Other 27 77. What are all the Benefits available to me? .. 27 Paying for 28 78. Will DXC still pay for part of the cost of my health Benefits ?

10 28 79. Why does the medical credit vary based on geographic region? .. 28 80. Why does the medical credit vary based on salary? .. 28 81. What if my salary changes during the plan year? .. 29 82. When will I find out the cost of coverage? .. 29 83. Do I get to keep the DXC credit if I don t enroll in coverage? .. 29 84. Will we still have the tobacco use and working spouse surcharges for medical Benefits in 2022? .. 29 Frequently Asked Questions (FAQs) Standard All rights reserved. DXC Confidential Information iv Changing Benefit Elections .. 30 85. Can I change my benefit elections outside of Benefits Annual Enrollment ? .. 30 Frequently Asked Questions (FAQs) Standard All rights reserved. DXC Confidential Information 1 Benefits Annual Enrollment 1.