Pulsar Operational Boundaries

Wells Fargo Insurance

Pulsar Operational Boundaries2017 Open Enrollment Presentation – Field employees

Judy TurnerDirector of Human Resources

Joni BrownKey Account Executive

This presentation is intended to provide you with a general overview

of the benefit plan options available through your employer.

The presentation will address the advantages and disadvantages of

available plan options, but will not provide details regarding

coverage for specific medications or treatments.

For detailed coverage information, refer to the relevant plan

document or policy.

Questions regarding your eligibility to enroll in a benefit plan should

be addressed with your Human Resources or Benefits Department.

Agenda Company message New medical plan options with United Healthcare

– Medical plan benefits and changes– Health Savings Account Refresher

New dental plan with United Healthcare New vision plan with United Healthcare 2017 enrollment requirements

– Passive enrollment

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Company message

Pulsar Operational Boundary remains committed to providing employees with the most competitive and comprehensive benefit package possible. We feel we have exciting news to share with you today about the upcoming changes for 2017.

This year, some employees will see costs go down for health insurance and some will see costs rise. If you have not looked at one of the High Deductible with HSA options in the past, we encourage you to do so this year. All prices on the $3000 Ded option are going down and some pricing on the Base Plan HSA option are as well.

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Medical Benefits

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Key Medical Plan Changes

Pulsar will continue to offer three plans with a minimal amount of change to each; two of the options are HSA compliant plans

Low HSA plan will have lower deductible and out of pocket maximums

High HSA plan will have an embedded out of pocket

The $1500 ded plan will have lower out of pocket maximums and a lower family deductible

Any time you change carriers, there will be some changes to providers that are considered ‘in-network’ and to drugs that are on the ‘formulary’ list. Be sure to check these things out before incurring services

A representative from United Healthcare is on this call and can help provide answers to questions once the presentation is over.

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Medical plan comparison 2016 to 2017

Medical plan comparison 2017

2017 Per Paycheck Employee Costs

$4,000 (Low) HSA Plan $3,000 (High) HSA Plan

$1,500 Ded Plan

Employee $67.57 $118.57 $180.00

EE + SP $242.88 $258.23 $387.23

EE + Child(ren) $202.17 $216.05 $332.77

Family $333.79 $355.71 $540.00

Employees who get their preventive care visit will receive either a $25 (single

coverage or $50 (if covering any dependents) premium credit each month in 2017.

Ask your employer for details.

Medical plans through United Healthcare

Health Savings Account (HSA)

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Establishing a Health Savings AccountTwo of the plan options offered by Pulsar are qualified high deductible health plans. This means that if you are enrolled in one of the HSA compatible options, you may be eligible to establish a Health Savings Account (HSA) to pay for your medical expenses.

HSA administration will be transitioning to Optum as Wells Fargo Health Benefit Services sold that business earlier this year

You will receive mailings about this change at your home address

Pulsar will continue to pay the monthly fee on your behalf

Can make contributions into your account via pre-tax payroll deductions or direct deposits

Convenient access to your funds – debit card or direct withdrawals at any Wells Fargo branch location.

Once your account has a balance of $2,000, you are able to invest your dollars into several different fund options – ranging from low to high.

YOU own the account!

If you choose to enroll in one of the HSA options and wish to establish your account with Optum, there are additional forms that are required.

Advantages of an HSA

Long-Term Savings

Save for future medical needs

Your unused balance rolls over from year to year

Tax Savings

Pre-tax contributions: Deductions from your pay can be made on a pre-tax basis

Tax-free earnings: For as long as the money stays in your HSA

Tax-free withdrawals: For qualified health care expenses

Ownership

You control how you spend the money in your account

Use it for eligible expenses today

Save it for the future

You can change jobs and the HSA goes with you

Who is Eligible for an HSA?

To be eligible for a Health Savings Account you must :

Be covered by a qualified HDHP and not covered by other health insurance

Including a spouse’s medical FSA

NOT be enrolled in Medicare, Tricare, or have not received VA medical benefits in the last 3 months

NOT be claimed as a dependent on someone else’s tax return

Domestic Partners are not considered tax-dependents by the IRS and cannot contribute to an HSA account, nor can HSA funds be used to pay for expenses for Domestic Partners

How much can be contributed for 2017

2017 Health Saving Account Contribution Limits

Single $3,400 (up from $3,350 in 2016)

Family $6,750

Catch-up Contribution (over age 55) Addl. $1,000

Acupuncture Alcoholism treatment Ambulance services Birth control pills Chiropractors Contact lenses & solutions Dental treatment Doctor’s fees Drug addiction treatment Eye exams & glasses Eye surgery

Qualified medical expenses include:

Hearing aids (& batteries) Hospital services Laboratory fees Medicines & drugs (including OTC

medicines) Nursing home & services Operations or surgery Psychiatric care Therapy & counseling Wheelchair & crutches X-rays

Qualified Medical Expenses Examples

For a more detailed list of qualified medical expenses, visit:

http://www.irs.gov/publications/p502/ar02.html

HSA Distributions

Distributions are tax-free if taken for “qualified medical expenses”

Medical / dental/ vision

Tax-free distributions can be taken for qualified medical expenses of:

Person covered by the high deductible

Spouse of the individual

Any tax qualified dependent of the individual

Keep your receipts!

If you are audited, the account holder must prove to the IRS that distributions from HSA were for qualified expenses and not otherwise reimbursed

If an HSA expenditure is not used for a qualified medical expense, the accountholder will be required to pay income tax and a 20 percent penalty on the amount used

Note: the 20 percent penalty does not apply if the accountholder is disabled or age 65 or older

What happens if I use my HSA for a non-qualified medical expense?

Additional Information and Products

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Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Preventive care is covered 100% in our network.

Immunizations

Preventive exams and health screenings

www.uhcpreventivecare.com


Search our NETWORK at welcometouhc.com

Our network is available in 96% of all U.S. counties.

800,000+doctors and health care professionals (clinics, labs, care centers, etc.)

5,700+ hospitals

30,000+ pharmacies

Look for the find a doctor button on myuhc.com®

Call the number on the back of your health plan ID card

Search using the Health4MeTM mobile app


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Search our NETWORK at welcometouhc.com

Searching our network is easy.

Online access to care

NETWORK


A virtual visit lets you see and talk to a doctor from your mobile device or computer

No driving or crowded waiting rooms

24/7 access

Log on to myuhc.com or the Health4Me app to learn more

You’ll be covered for a wide variety of medications from UnitedHealthcare. Best of all, we’ve made it easy for you to get your prescriptions filled and save money.

Access thousands of retail pharmacies

Save when you use a network pharmacy

Take advantage of special programs for complex conditions.


Easily fill and save on your medications.

Filling Prescriptions

Mail Service Member SelectSM from OptumRx

With Mail Service Member SelectSM from OptumRx, you can get your long‐term medications delivered to your door at no charge, often for less than they cost at retail. You can cancel home delivery service at any time and fill prescriptions at a retail pharmacy for your standard co‐pay or cost. However, canceling this service may increase your medication costs.


Get more at myuhc.com

Refill prescriptions.

Find network pharmacies.

Estimate and compare costs.

Take advantage of no‐cost home delivery.

Prescription Drug ‐ Clinical ProgramsPromoting Safety and Appropriate Use


Notification or Prior Authorization

• Requires your doctor to tell us why you are taking your medication in order to determine if you will receive benefit coverage

• To start the process talk to your doctor. Once we review the information, we will send you and your doctor a letter to let you know if the medication is covered

SupplyLimits

StepTherapy

• A supply limit is the largest quantity of medication covered per copayment or in a time period

• Based on FDA guidelines for medication dosage, clinical guidelines or usage patterns

• With this program you need to try a lower‐cost medication first, before a higher‐cost medication may be covered.

PRESCRIPTIONS


Tier 1Lower‐costMedications

Tier 2 Midrange‐cost

Medications

Tier 3Higher‐costMedications

How we cover prescriptions.

Organized by cost tiers

Choosing medications in lower tiers may save you money

The UnitedHealthcare Prescription Drug List (PDL) is the list of prescriptions that are covered by the plan

Specialty PharmacyPRESCRIPTIONS

We focus on you and the total condition, not just drug utilization.

Conditions Include: Cancer, Hemophilia, Hepatitis C, Multiple Sclerosis, Rheumatoid Arthritis, HIV and more

Our Specialty Pharmacy Program provides the resources and the condition‐specific support you need to help you manage your complex condition and achieve your best help.


Access to pharmacies, providing support focused on you

Adherence and clinical programs to help you better manage your condition

Online support and medication information

myuhc.com

OTHER BENEFITS

Track claims and expenses.

Pay health care bills.

Find network providers, care centers, and pharmacies.

Find and compare medications.

Refill prescriptions.


Access your benefits and get help anytime, anywhere with the UnitedHealthcare HEALTH4METM app

Manage your benefits and health care at myuhc.com.®

Get your information on the go


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Health4Me provides instant access to your family’s health information — anytime and anywhere.

Find a physician near you

Check the status of a claim

Speak directly with a health care professional

Use myuhc.com wherever you are —download the UnitedHealthcare Health4MeTM

mobile app.

Online Tools

OTHER BENEFITS

Estimate health care costs.

You have easy‐to‐use tools so you can see what a treatment or procedure typically costs, [estimate costs of prescriptions,] and see what your share of expenses may be.


Get help finding quality care.The UnitedHealth Premium® Designation Program shows you doctors who meet quality and cost‐efficiency guidelines.

Benefits worthy of your favorites bar

Healthy Pregnancy

OTHER BENEFITS

Enroll in the Healthy Pregnancy Program by calling the number on your health plan ID card.

Access nurses

Get information to help you identify health risks

Get a complimentary gift


Get help though pregnancy and delivery.

OTHER BENEFITS


Call or web chat with a registered nurse, master’s‐level counselor, or legal or financial professional 24/7

Health and pharmacy information

Help coping with grief, stress, relationship issues, and more

Financial management information

Legal support

Find a doctor or counselor

Help is a call, email or web chat away.Care24® is open 24/7

myHealthcare Cost Estimator

• Get simple, comprehensive estimates of your health care costs to help you make more informed decisions

• myHealthcare Cost Estimator helps gather the information to help you make more informed choices about the health care received.

• Results include cost estimates

32Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of

UnitedHealth Group

Dental and Vision Benefits

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*This is a summary of benefits only and does not guarantee coverage. For a complete list of covered services and limitations/exclusions, please refer to the plan Contract.

2017 Dental Benefits

General plan information PPO Non-PPOAnnual deductible

Individual $50 $50

Family $150 $150

Waived for preventive Yes Yes

Annual plan maximum $1,500 $1,500

Lifetime orthodontia plan maximum $1,500 $1,500

Reasonable & customary percentile 80th

Covered services Diagnostic and preventive services

Examinations 100% 100%

X-rays 100% 100%

Prophylaxis 100% 100%

Fluoride treatments 100% 100%

Basic services

Sealants, space maintainers 100% 100%

Endodontics, periodontics, oral surgery 80% 80%

Inlays and onlays 50% 50%

Major services

Crowns, bridges, dentures 50% 50%

Orthodontia

Dependent Children only 50% Up to age 19

2017 Vision Benefits

General plan information PPO Non-PPOCopay

Examination $15 NAMaterials $25 NA

Benefit frequencyExamination Once every 12 monthsLenses Once every 12 monthsFrames Once every 24 monthsContacts Once every 12 months

Covered services Examination 100% after copay Covered up to $40

LensesSingle vision lens 100% after copay Covered up to $40Bifocal lens 100% after copay Covered up to $60Trifocal lens 100% after copay Covered up to $80Lenticular 100% after copay Covered up to $80

Frames Covered up to $130 Covered up to $45

Contacts - in lieu of glasses

Medically necessary 100% after copay Covered up to $210

Elective Covered up to $125 Covered up to $125

Other Services

Corrective Vision Services (e.g. laser vision) 15% discount on standard or 5% on promotional prices

2017 Employee Costs Per Paycheck for Benefits

Dental

Single $23.70

EE + SP $46.42

EE + Child(r $46.91

Family $72.09

Vision

Single $3.28

EE + SP $6.55

EE + Child(ren) $5.38

Family $10.43

Plans are offered on a voluntary basis, meaning there is no employer contribution

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2017 Enrollment

Completing Enrollment for 2017…It is a “passive enrollment” this year meaning that you only need to enroll if you wish to make a change from your current elections.

If you are in the $5,000 deductible plan you will automatically be enrolled in the replacement $4,000 deductible plan

All enrollment elections must be completed via the online enrollment system: www.infinityhr.com Can be completed from any computer that has internet access.

The enrollment portal will open for all employees on Monday, Nov 7th.

All enrollments must be completed no later than Wednesday, November 23rd.

After open enrollment, changes will only be permitted if you experience a qualified life event, such as marriage, divorce, birth or adoption. Open enrollment in a spouse’s plan

is also considered a qualifying event.

www.infinityhr.com

For your first log-in, please click on the link “First Time User? Forgot or want to Reset your password?”

www.infinityhr.com

Next, enter your date of birth and social security number. Then, click “Find My Record.”

www.infinityhr.com

The system will then provide you with your UserID. Please write this down. Next, enter and confirm your new password.

www.infinityhr.com

You will then be redirected back to the login page. Login with your UserID and newly created password. You will then be able to begin your Open Enrollment Event.

www.infinityhr.comFollow the steps to complete your Open Enrollment event. Be sure to:

Click the Save and Continue button to complete each step.

Click the Save and Confirm button when you reach the last step.

Double check your information under the Personal tab and make any necessary changes.

www.infinityhr.comIf you will be enrolling dependents (spouse and/or children) on your plan, please have the following information available to complete their enrollment.

Name

Date of birth

Social security number

Thank you!

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Questions?

Documents

Pulsar Operational Boundaries