YOUR 2019 COMMERCIAL METALS COMPANY BENEFITS

1 YOUR 2019. COMMERCIAL METALS . COMPANY BENEFITS . 1. Health, Wealth and Wellbeing in 2019. TABLE OF CONTENTS. 3 VOLUNTARY BENEFITS : HOSPITAL INDEMNITY, ELIGIBILITY, COVERAGE AND 4 ACCIDENT AND CRITICAL 13. 4 VOLUNTARY BENEFITS : HOW TO FILE A 14. Eligible 4 INCOME PROTECTION 15. WHEN COVERAGE 5 LIFE 15. IF YOU DON'T 5 ACCIDENTAL DEATH & DISMEMBERMENT. 15. CHANGING YOUR COVERAGE. DURING THE 5 DISABILITY BENEFITS .. 16. HOW TO 6 SHORT TERM DISABILITY (STD).. 16. MEDICAL 7 LONG TERM DISABILITY (LTD).. 16. BCBSTX PPO 8 OTHER CMC-PROVIDED 17. PRESCRIPTION DRUG 9 REQUIRED 18. DENTAL 24. VISION TEAR-OUT CONTACT CARD .. BACK COVER. FLEXIBLE SPENDING 2. Welcome! At CMC, we are committed to you! You are unique and so are your benefit needs. Safety is our number one priority and we believe that safety and health go hand in hand. That's why we offer a comprehensive BENEFITS package that will help you get and stay healthy.

2 This guide is an overview of the BENEFITS available to you and will help you make the best benefit choices based on your individual needs. TOOLS & RESOURCES. No password required BENEFITS Guide FAQs Videos BENEFIT QUESTIONS OR CMC BENEFITS Service Center NEED HELP ENROLLING? ( ). Contact Employee Services at 877-CMC-8050 or 3. Eligibility, Coverage and Enrollment ELIGIBILITY. All full-time employees of CMC working 30 hours or more per week are DOCS. eligible to participate in the BENEFITS described in this guide. ELIGIBLE DEPENDENTS When enrolling dependents in a CMC benefit for the first time (or You can also cover the following dependents: re-enrolling), you must submit Your legal spouse, including a same-gender spouse, or your proof of eligibility. Preferred common-law spouse if you live in a state that recognizes common- documents are: law marriage (CO, DC, IA, KS, MT, OK, RI, SC, TX and UT).

3 * Spouse: Marriage certificate Your children, who include: Natural Children: A copy of the child's birth certificate Natural children listing the employee as parent Stepchildren Stepchildren or Common- Legally adopted children Law Stepchildren: A copy Foster children of the child's birth certificate Children of your common-law spouse with the name of the natural parent AND proof of marriage Children for whom you have legal guardianship to the parent You can cover your children: Adopted or Custodial Up to age 26 Children: Legal documents stating adoption or custody Up to any age for physically or mentally disabled children, as long as you provide proof of disability contact Employee Services to TIME SENSITIVE: Required learn more. documents must be submitted during the enrollment period. * The following states only recognize common-law marriages if created before the date indicated below: In the absence of a preferred document, a current federal tax return showing joint AL (Jan.)

4 1, 2017) filing status (for a spouse) or dependent GA (Jan. 1, 1997) (for a child) will be accepted. ID (Jan. 1, 1996) OH (Oct. 10, 1991) PA (Jan. 1, 2005). 4. WHEN COVERAGE BEGINS. NEW HIRES AND REHIRES New Hires have If you wish to elect BENEFITS you must enroll within 31 days 31 days to enroll. of your date of hire. BENEFITS begin the first of the month following 30 days of employment.*. 31 DAYS. Note: If you are enrolling dependents, you must submit the required documentation. * If your Life Insurance election requires evidence of insurability, the CURRENT EMPLOYEES. effective date of coverage will be the date the insurance COMPANY You can change your BENEFITS each approves insurability. The effective date of coverage may be delayed if you are not actively at work, or you or your dependent is hospitalized. fall during Open Enrollment. Elections are effective January 1, 2019.

5 If you IF YOU ARE REINSTATED don't make any changes during Open Enrollment, your current elections will If you leave the COMPANY and are rehired within 31 days, carry over, except the FSA per IRS rules. your BENEFITS begin as of the date you are rehired. CMC will reinstate the BENEFITS you had in place as of your date of termination. IF YOU DON'T ENROLL. If you do not enroll, you will be enrolled automatically ONLY in BENEFITS paid 100% by CMC (basic life, basic accidental death and dismemberment, short term disability, long term disability, business travel accident and the employee assistance program). You will have to wait until the next Open Enrollment to elect optional coverage (medical, dental, vision, optional life and optional accidental death and dismemberment), unless you experience a qualified life event. CHANGING YOUR COVERAGE DURING THE YEAR. You can only make changes to your BENEFITS during the year if you have a qualified life event ( , marriage, divorce, birth, adoption, death).

6 If you have a qualified life event, go to the CMC BENEFITS Service Center and click on Life Event to make changes and provide the required documentation. Qualified life events must be submitted within 31. days of the event. 31 DAYS. 5. Enrollment HOW TO ENROLL. Enrolling is a snap. You can get help with your enrollment by calling NEED HELP ENROLLING? 877-CMC-8050 or you can enroll online. There are three ways to access the system: Contact Employee Services at 877-CMC-8050 or Click the Enroll in BENEFITS button from OR. Go to the CMC GlobalNet homepage. Click BENEFITS on the right to get started. For GlobalNet password resets, contact the DOCS. IT Helpdesk at 1-888-823-1212. TIME SENSITIVE: Required OR documents must be submitted online during your enrollment period. Go to and log in. You'll need your employee ID number. Once you're logged into the CMC BENEFITS Service Center, follow the instructions.

7 The site leads you through the steps to enroll. Carefully review your selections and save them. Keep a copy of your Confirmation Statement for your records. 6. Medical BENEFITS CMC offers employees comprehensive, competitive and affordable medical BENEFITS that provide both protection and value for you and your family. We're committed to your health and our plan allows you to get the care you need, when you need it! BCBSTX PPO PLAN. NEED A DOCTOR? CMC offers a single medical PPO plan through Blue Cross Blue Shield. This plan offers: Go to to find Accessibility and affordability when seeking care a provider near you. Low copays Free in-network preventive care for eligible age-appropriate exams Telehealth with MDLIVE. Access to care 24 hours a day, 7 days a week MDLIVE. Tobacco cessation aids covered at 100% with a prescription HOW TO REGISTER. 1. Go to TELEHEALTH and click Activate Now.

8 Getting sick is never convenient, and finding time to get to the doctor can 2. Enter the information be hard. Our plan provides you and your covered dependents access to requested. care for non-emergency medical issues through MDLIVE. Whether you're at 3. Complete your profile. home or traveling, access to a board-certified doctor is available 24 hours a GETTING CARE IS EASY. day, 7 days a week. And, it's free. 1. Visit MDLIVE can help treat these conditions: 2. Call 1-888-680-8646 or Allergies Ear Infections 3. Download the MDLIVE. Asthma Pinkeye Mobile App Sinus Infections Sore Throat For more information, visit Cold/Flu And More! 7. BCBSTX PPO IN-NETWORK COSTS. PREVENTIVE CARE No cost to you ANNUAL DEDUCTIBLE. Individual $1,000. Family $3,000 TERMS TO KNOW. ANNUAL OUT-OF-POCKET MAX. (Includes deductible and copays). Copay: Individual $7,900. Family $15,800 A flat dollar amount you pay the provider at COINSURANCE 20%1 the time you receive a service.

9 TELEHEALTH. $0 copay (MDLIVE). Deductible: PRIMARY CARE OFFICE VISIT $20 copay The amount you pay for services before the plan SPECIALIST OFFICE VISIT $30 copay begins paying some of URGENT CARE $40 copay the cost. The deductible may not apply to all EMERGENCY ROOM 20%1 plus $250 copay services, including (If true emergency) (copay waived if admitted) preventive care. INPATIENT HOSPITAL Coinsurance: 20%1. (preauthorization required). The portion of covered OUTPATIENT CARE 20%1 expenses you and the plan share after you 1. After you meet the annual deductible meet the deductible Note: Copays apply to your out-of-pocket max, not your deductible. (listed as a percentage). Out-of-Pocket Maximum: ANNUAL PHYSICAL The maximum amount you pay out Because your wellbeing is so important, CMC encourages all employees and of your own pocket covered spouses to get an annual physical.

10 To learn more about Total Wellness at for covered expenses CMC, check out and click Wellness. in a year. Once you reach the out-of- pocket maximum, the medical plan pays for NEED MORE DETAILS? all covered services for the rest of the year. The out-of-pocket For more detailed BENEFITS information maximum does not visit the Library section in the include premiums or CMC BENEFITS Service Center. services the plan does not cover. 8. PRESCRIPTION DRUG COVERAGE. Our BCBSTX medical plan automatically includes BENEFITS for prescription drugs. The amount you pay for prescriptions depends on the type of prescription drug and if the pharmacy is in-network. IN-NETWORK RETAIL MAIL ORDER. PRESCRIPTION DRUG PLAN. (Up to 30-day supply) (Up to 90-day supply). ANNUAL DEDUCTIBLE $0 There is no deductible PREVENTIVE GENERIC MAINTENANCE1 $0 $0. GENERIC $5 $10. PREFERRED BRAND-NAME $35 $70.