Prepare Your 2020 Benefits

1 Prepare Your 2020 BenefitsYOUR 2020 Benefits GUIDE2 ELIOR NORTH AMERICA 2020 ENROLLMENT GUIDE345 What s in this guide? Prepare Your 2020 Benefits Who Can Enroll & Changes791013142020 Medical Plans at a Glance health Savings Account (HSA) Routine Care PlanPrograms Through UHC Supplemental Benefits Dental Benefits Vision Coverage Flexible Spending Accounts and Qualified Transportation Expenses Survivor Benefits Disability Benefits Other Benefits Your 401(k) 1115192021223 Prepare Your 2020 BenefitsDear Team Members,Our focus in 2020 is to continue to standardize and simplify the current Benefits program to make it easier for employees to navigate across segments, while adjusting the current programs to be more cost effective for many of our employees, coupled with adding enhancements our employees will value. With the changes we re making to our programs, Elior North America is investing over $3 million in our employees health and well-being.

2 The $3 million investment is in addition to the investment the company pays towards medical and pharmacy Benefits today! Am I paying for Benefits or features I don t need? Do I have the right insurance coverage to protect myself and my family? Am I saving enough for future needs through my 401(k) plan and health Savings Account (HSA)? Are there new programs I want to participate in?This guide will help you answer these questions and more and it will help you take advantage of Elior s Benefits for you for being an important member of the Elior North America Ahern, EVP, Human ResourcesPLEASE NOTE: This document is intended only to highlight your Benefits and should not be relied upon to fully determine your coverage. If this Benefits Summary conflicts in any way with the Summary plan Description (SPD), the SPD shall prevail. It is recommended that you review your SPD for an exact description of the services and supplies that are covered, those which are excluded or limited, and other terms and conditions of NORTH AMERICA 2020 ENROLLMENT GUIDEWho Can EnrollYou are eligible for Benefits if you re a regular, full-time employee who works a minimum of 30 hours a week.

3 New hire Benefits are effective on the first day of the month following 60 days from your date of hire. In addition, the following family members are eligible:SPOUSAL EXCLUSION A spouse is eligible for our medical plan coverage ONLY if he/she is NOT eligible for coverage through his/her own employer, regardless of whether or not he/she is enrolled in that Exclusion does not apply: When you and your spouse both work at the company. To dental or vision You Can Make to Your BenefitsFor all of us, life is a continuing process of change marriage, birth, adoption, divorce and death. Should one of these events occur in your life, you may need to rethink, and more than likely make changes to, your enrollment in certain benefit a life-changing qualifying event occurs, you may be eligible to make a midyear change to your current benefit elections without waiting for the next Open Enrollment period.

4 Enrollment changes can only be made within 31 days of the qualifying event!You may make enrollment changes consistent with the change in status. After the 31-day time frame, you are only able to change your elections during the Open Enrollment most cases, the effective date of the change is the actual event date (for example, the date of birth, date of marriage, date of death, etc).Qualifying Event Changes Marriage or divorce Birth, adoption or placement for adoption of a child Death of spouse or child(ren) Spouse commences or terminates employment You or your spouse s employment status changes fromfull time to part time or vice versa Court decree requiring coverage for your dependentchildren Entitlement to Medicare or Medicaid Dependent child ceasing to be an eligible dependent,such as attaining the maximum dependent age You or your spouse takes an unpaid leave of absence Your spouse has a significant change in health coveragedirectly attributable to your spouse s employment Employee or eligible family member becomes eligiblefor assistance under Medicaid or a state Children sHealth Insurance Program (CHIP)

5 EMPLOYEE ONLYEMPLOYEE + SPOUSES pouse A person to whom you are legally married under state law and with whom you have a certificate of + CHILD(REN)Your dependent children to age 26 who are your natural children, adopted children or step dependent children over age 26 who are physically or mentally handicapped and are unable to care for + FAMILYYour spouse and eligible EMPLOYEESPart-time employees working on average 20 29 hours per week are eligible to enroll in VSP vision, as well as accident, hospital indemnity, and critical illness coverage administrated by Medical Plans at a GlanceIN-NETWORKHigh deductible HSAPPOM inimum BenefitUNITED HEALTHCAREUNITED HEALTHCAREUNITED HEALTHCARED eductible Individual / Family$3,500 / $7,000$2,000 / $4,000$6,350 / $12,700 Out-of-Pocket Maximum (Non-covered charges and charges in excess of the allowed amount do not apply to the out-of-pocket maximum.)

6 Individual / Family$4,750 / $9,500$5,000 / $10,000$6,350 / $12,700 CoinsuranceAmount plan pays after deductible90%80%100%ServicesPrimary Care Physician Office Visits90% after deductible $20 copay100% after deductibleSpecialist Office Visits90% after deductible $40 copay100% after deductibleRoutine and Preventive Care100% no deductible100% no deductible or copay100% no deductibleInpatient Hospitalization90% after deductible80% after deductible100% after deductibleOutpatient Surgery90% after deductible80% after deductible100% after deductibleX-Rays and Lab90% after deductible80% after deductible100% after deductibleEmergency Room90% after deductible80% after $150 copay100% after deductibleRetail Prescription DrugsTier 190% after deductible $5 copay100% after deductibleTier 290% after deductible $30 copay100% after deductibleTier 390% after deductible $60 copay100% after deductibleNOTE.

7 Medical and prescription copays will apply toward the out-of-pocket maximum, but do not apply toward meeting the calendar year deductible HSAPPOM inimum BenefitUNITED HEALTHCAREUNITED HEALTHCAREUNITED HEALTHCARED eductible Individual / Family$4,000 / $8,000$5,000 / $10,000$6,350 / $12,700 Out-of-Pocket Maximum (Non-covered charges and charges in excess of the allowed amount do not apply to the out-of-pocket maximum.)Individual / Family$9,000 / $18,000$10,000 / $20,000$10,000 / $18,000 CoinsuranceAmount plan pays after deductible60%60%70%ELIOR NORTH AMERICA 2020 ENROLLMENT GUIDE 5 ELIOR NORTH AMERICA 2020 ENROLLMENT GUIDE6 Medical Benefit HighlightsWe understand your medical insurance coverage is extremely important to you. We offer different medical plan options in an effort to provide effective medical coverage for you and your family members. Take time to consider the level of coverage you need and the premium cost you can afford before deciding which medical plan is the best choice for you and your family help you decide which plan is best for you and your family, the chart below provides an overview of each of the plan deductible HSAPPO PlanMinimum Benefit plan Comprehensive coverage Lower contributions Office visits and prescription drugs aresubject to the deductible Preventive care is covered at 100% May set up a health Savings Account(HSA)

8 To fund deductible or other out-of-pocket expenses Elior contributes to your HSA Comprehensive coverage Higher contributions Office visits and prescription drugs aresubject to copays Preventive care is covered at 100% Minimum coverage required byhealthcare reform Lower contributions Office visits and prescription drugs aresubject to the deductible Preventive care is covered at 100% May set up a health Savings Account(HSA) to fund deductible or other out-of-pocket expenses Elior contributes to your HSAL imits or exclusions may apply. These limits may include number of refills for certain drugs, number of visits to certain specialists, and number of days covered for certain Benefits . In addition, you should carefully review all exclusions are some additional things to consider when choosing a plan : plan Options: The health plan option you choose determines how you and your plan share the costs of care.

9 Payroll contributions: This is the amount that is deducted from your paycheck based on the plan you select, whether you usemedical services or not. Contributions are important, but they re not all you need to consider. Out-of-pocket costs: It s important to know how much you have to pay out of your pocket for services when you get care. Youpay these out-of-pocket costs in addition to your contributions. Type of insurance plan and provider network: Different plan types provide different levels of coverage for care you get insideand outside of the plan s network of doctors, hospitals, pharmacies, and other medical service providers. Benefits : All plans provided through the company cover pre-existing conditions and offer free preventive THE MEDICAL PLANS WORK: AN EXAMPLEB elow is an example of how the different plans options work for an employee, Joe Smith.

10 Joe is trying to decide what plan option is best for him in 2020 based on his claims in 2019. During 2019, Joe did not cover any dependents and had his annual physical. He made one sick visit to his doctor and a trip to an urgent care center. He also had two prescriptions filled, which were both brand-name drugs. Below are his out-of-pocket costs in 2020, including annual payroll deductions, based on his claims in 2019 under the three medical plan deductible HSAPPO PlanMinimum Benefit PlanAnnual Payroll Contributions (Employee-Only Coverage)*$1,535 $2,830 $972 Annual Well PhysicalCovered at 100% / $0 Covered at 100% / $0 Covered at 100% / $0 Primary Care Visit - Diagnostic$155 $20 copay$155 Prescriptions - 2 Brand Name Drugs$115 $60 (@ $30 each)$115 Urgent Care Visit - 1$95 $40 copay$95 Total Out-of-Pocket Costs$1,900 $2,950 $1,337 Employer HSA Seed Money $500$365 ($135 remaining of $500)--$365 ($135 remaining of $500)Total Medical Spend$1,535 $2,950 $972 WHO IS ELIGIBLE FOR AN HSA?