Open Enrollment: Your Caliber February 12 – …

1 Open Enrollment: Your Caliber February 12 . February 23. 2018 benefits decision guide YOUR benefits . YOUR ENROLLMENT CHECKLIST. Read this guide for a benefits overview and helpful tips. isit Mercer Marketplace beginning February 12 to enroll in your V. new benefits . To access Mercer Marketplace: From Workday, click on the benefits worklet, then select Mercer Marketplace to be taken directly to your benefits . Directly from the web at Call one of our Mercer Marketplace benefits counselors at 1-844-213-9961. Spanish speaking counselors are available. se the tools and resources on the website to help you make your U. choices. elect your benefits for 2018 . If you do not elect benefits during S. Open Enrollment, your current elected benefits will roll over for 2018 (with the exception of FSAs and HSAs) and you will not have a chance to enroll again until next year's Open Enrollment, unless you experience a qualifying life event.

2 If you want to contribute to a Health Savings Account (HSA). or Flexible Spending Accounts (FSA), you must enroll for these benefits every year. If you do not make an election during Open Enrollment, your current FSA or HSA plan year will terminate on March 31, 2018 . Beneficios de habla hispana counselors comenzando 12 de febrero llamando al 1-844-213-9961. Si desea una versi n en espa ol de esta gu a, por favor p ngase en contacto con la administraci n del centro. What's Inside 1. This guide provides enrollment instructions for your benefits , as well as an overview of the benefits available to you with tips to support your decision making. CONTENTS. What's Medical Spending and Savings Supplemental Medical Dental and Vision Life Disability Voluntary How to Contact Legal Visit Mercer Marketplace to enroll in your benefits beginning February 12!

3 From Workday, click on the benefits worklet, then select Mercer Marketplace to be taken directly to your benefits , or Directly from the web at Important! If you and/or your dependents have Questions? Call an experienced benefits counselor at Medicare or will become eligible for 1-844-213-9961 between 7 and 9 ET, Monday Medicare in the next 12 months, a through Friday. federal law gives you more choices about your prescription drug coverage. Please see the Creditable Prescription Drug Coverage and Medicare Notice in Legal Notices at the back of this booklet for more details. 2 Welcome to Open Enrollment! We are pleased to offer a variety of benefits for 2018 NEED ASSISTANCE? with choice, flexibility, and the ability to help you take If you have questions or need assistance enrolling control of your benefits spending. in your benefits , call one of our Mercer Marketplace Here's how it works: benefits counselors at 1-844-213-9961.

4 benefits counselors are available from 7 to 9 , Eastern Visit Mercer Marketplace beginning February 12. to enroll in your new benefits . To access Mercer Time, Monday through Friday. Spanish speaking Marketplace: benefits counselors are also available. From Workday, click on the benefits worklet, then select Mercer Marketplace to be taken There is a wealth of information about your directly to your benefits , or benefits just a click away. Caliber has Directly from the web at developed a dedicated benefits site to provide benefits information. Simply go online to Call one of our Mercer Marketplace benefits to access more counselors at 1-844-213-9961. Spanish speaking information about your benefits . counselors are available. Review the benefits available to you, including traditional benefits , like medical, dental, disability, and life insurance, and supplemental benefits , like REVIEW YOUR benefits .

5 Accident and critical illness. All eligible teammates can enroll in or make changes Choose the plans that best meet your needs and fit to their coverage for 2018 . Review your benefits and your budget. beneficiaries to be sure everything is correct for 2018 . If you want to contribute to a Health Savings Account (HSA) or Flexible Spending Accounts (FSA), you must YOUR BENEFIT OPTIONS. enroll for these benefits every year. If you do not make You will be able to choose from a wide variety of plans an election during Open Enrollment, your current FSA. that offer quality coverage with a range of costs. We or HSA plan year will terminate on March 31, 2018 . encourage you to take the time to understand all of You will not have a chance to enroll again until next your options and then make the best decisions for your year's Open Enrollment (2019), unless you experience a needs.

6 To learn more, visit Mercer Marketplace through qualifying life event. If you are happy with your current Work Day or directly at benefit elections, you do not need to take any action. Caliber . If you do not make changes or enroll in new benefits during Open Enrollment, your current coverage will roll WHAT DO I NEED TO ENROLL? over for 2018 . When you enroll for benefits , you will need the following information: Dependents' date of birth Dependents' Social Security Number Beneficiary information, address and phone number What's New for 2018 3. What's new this year? We are pleased to announce that there will be minimal changes to your Caliber benefits . Listed below are the minor changes to your benefits . Details about each of these plans is available throughout this guide . MEDICAL PLANS. Blue Cross Blue Shield of Texas Kaiser Physical, Occupational, and Speech Therapy Limits: New Embedded Deductible for the Kaiser California There will be no annual visit limits for physical, $1,850 Deductible Plan: The embedded individual occupational, and speech therapy starting April 1, 2018 .

7 Deductible for family coverage will increase from $2,600 to $2,700. To learn more about embedded New clinic options for physical therapy: If you are deductibles, see page 11. suffering from musculoskeletal injuries or pain, Airrosti clinics offer a safe and highly effective alternative to New Mail Order Prescription Drug Copays for Colorado surgery, pain management, and long term chiropractic and Mid-Atlantic $350 Deductible Plans: Starting April or physical therapy treatment programs. To find a clinic 1, the mail order prescription drug copays will be in your area, go to Generic (Tier 1): $25. New BCBS provider networks for Florida, Georgia, Preferred Brand Name (Tier 2): $75. Washington, and parts of Maryland and Virginia: Non-Preferred Brand Name (Tier 3): $150. Starting in 2018 , the BCBS provider network in these regions will be changing.

8 The new networks provide Telemedicine: Telemedicine appointments are now deeper discounts that may save you money on your subject to the deductible for Kaiser HSA eligible plans. care. Most existing network providers will be in the new network, but you should confirm with your current doctor if they are a part of the new network. NEW! Health Advocate You can also confirm provider network status on using these network names: HealthAdvocate, our new health advocacy partner, is offered to all teammates at no cost whether or Florida: NetworkBlue not you are enrolled in a Caliber medical plan. It Georgia: Blue Open Access POS. provides you with free and confidential patient Washington : BlueChoice advocacy services. You can call as often as needed Advantage Open Access for help with all kinds of health care issues. HealthAdvocate can help you navigate your health care benefits : Find quality doctors and facilities.

9 Understand health care costs. Answer questions about your health benefits . Resolve health care claims and billing issues. Secure second opinions, schedule appointments, and transfer medical records. Call Health Advocate today at 1-866-695-8622. 4 What's New for 2018 . DISABILITY Pet Insurance This year we are offering enhanced coverage for your California Short Term Disability Plan pet insurance plans. Your pet's health is important to Starting in 2018 , due to changes in California law, you, but the cost of helping him or her if something goes California employees are no longer eligible for the wrong is hard to think about. My Pet Protection and My Short Term Disability plan. California employees Pet Protection with Wellness reimburse a straightforward disability coverage will be coordinated by the state 90% of your vet bill instead of using a benefit schedule.

10 Of California. A $250 annual deductible and $7,500 maximum annual benefit apply to both plans. Please note: Nationwide Long Term Disability does not cover pre-existing conditions. All Long Term Disability plans will be taxable. This My Pet Protection covers: means any LTD benefit payments will not be taxable to you. Accidents and illnesses Dental diseases Hereditary and Behavioral treatments congenital conditions Rx therapeutic diets and VOLUNTARY benefits Cancer supplements Identity Theft Insurance My Pet Protection with Wellness: We are upgrading our identity theft plan to the Privacy Armor Plus identity theft protection plan which offers Accidents and illnesses Wellness exams you enhanced protection to assess your risk, deter theft Hereditary and Vaccinations attempts, detect fraud, and manage the restoration congenital conditions Flea prevention process in the event of an identity theft.