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EMPLOYEE BENEFITS

January 1, 2014 – December 31, 2014

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• A safety net to protect you and your family from significant health care expenses or loss of income

• Share in costs between the Company & you, with your portion based on the choices you make

• Access to quality care not offered by other employers

• Encouragement & support of healthy lifestyles

• Choices that fit the needs of our employees

Our Benefits Approach

Protection

Shared Costs

Access to Quality Care

Reward Healthy Lifestyles

Choice

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Important Things to Know

• Plan year is January 1 – December 31, 2014

• To be eligible for benefits, you must be working 35+ hours per week

• Benefits are effective 1st of the month following 30 days

• Eligible dependents include spouse and children (regardless of student status) up to age 26

• Consider your elections carefully. You cannot change your elections until the next open enrollment period unless you have a Qualifying Life Event as defined by the IRS. – Examples include: marriage, divorce, birth, adoption, or change in status

that affects you or your dependents eligibility for benefits.

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Health Advocate: Benefits Helpline

• Easy to call or email:– 866-695-8622 – answers@healthadvocate.com

• Health Advocate can answer questions about:– Finding specialists / doctors / hospitals – Securing second opinions / scheduling appointments – Comparing costs of procedures / comparing hospitals and treatment facilities– Assisting with claims and billing questions– Health coaching and understanding your personal medical issues

• The first time you call, you will be assigned a Personal Health Advocate (PHA) who will personally help you with your health care issues.– Your PHA will assist you with any issues you or your family may have.– You and your family may call as often as necessary. – All health information and services are completely confidential.

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MEDICAL PLAN

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Medical Plan Design

• BenefitMall offers a single medical plan : Blue Edge HSA – High Deductible Health Plan (HDHP),

– that is qualified for you to have a Health Savings Account (HSA)

• Plan through Blue Cross Blue Shield of Texas (BCBSTX) • Provides one of the largest national networks

• The HDHP is a PPO plan meaning you have the flexibility of going both in and out of network

• HSA offered through HSA Bank• An HSA is an individually-owned, tax-favored savings account that can be used to offset out of

pocket costs including deductible and coinsurance expenses.

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Medical Plan Design

Plan Features In-Network Out-of-Network

Deductible Individual Family

$2,500$5,000

$10,000$20,000

Out of Pocket Maximum Individual Family

$5,000$10,000

$15,000$30,000

Coinsurance 90% / 10% 50% / 50%

• This HSA plan has an “embedded” deductible. • This means that when one family member meets the individual deductible, benefits become

available under the plan for that individual.• The out of pocket maximum includes deductibles and coinsurance expenses.• In-network expenses will only apply toward the in network deductible and in network out of

pocket maximum.• Out-of-network deductible and out of pocket maximum will also apply toward in-network

deductible and out of pocket maximum

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Medical Plan Design

Plan Features In-Network Out-of-Network

Preventive Care 0% deductible waived 50% after deductible

Office / Specialist Visit 10% after deductible 50% after deductible

Lab / X-rays 10% after deductible 50% after deductible

Inpatient Hospitalization 10% after deductible 50% after deductible

Urgent Care 10% after deductible 50% after deductible

Emergency Room 10% after deductible 10% after deductible

Physical Therapy (including chiropractic)

10% after deductible 50% after deductible

Acupuncture 10% after deductible 50% after deductible

Please note, plan limits may apply. Refer to official plan documents for complete list of covered services and limitations.

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Preventive Care

• The BCBSTX plan covers preventive care at 100% (no cost-sharing, not subject to deductible)

• Preventive care is precautionary and determined by federal legislation

• Covered services based on age and gender

• If your doctor recommends a test based on family history or personal history, or if your doctor is conducting a preventive exam and must further investigate symptoms, then the services will be treated as diagnostic and your insurance cost sharing will apply

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Prescription Drug Coverage

Pharmacy Benefits: Patient Responsibility30-day supply

Before Deductible

Patient Responsibility30-day supply

After Deductible

Generic 100% paid by Employee $10 after deductible

Preferred Brand 100% paid by Employee $25 after deductible

Non-Preferred Brand 100% paid by Employee $50 after deductible

• Prescription drugs are subject to the Plan deductible• Prescription drug payments accrue towards deductible and out of pocket

maximum• At in-network pharmacy, member still obtains contracted (discounted)

rates on generic and preferred brand drugs

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Illustration: Deductible Not Yet Met on Blue Edge HSA Plan

Services Amount You Pay

Doctors Visit – Contracted Rate $95.52

Prescription for Generic Drug $25.83 (or check for store discounts)

Total Cost (After In-Network Discount) $121.35

Amount Applied to Plan Deductible $121.35

Amount Applied to Out of Pocket Max $121.35

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Illustration: Deductible Met on Blue Edge HSA

Services Total Cost Amount you Pay

Doctors Visit – Contracted Rate $95.52 $9.55 coinsurance

Prescription for Generic Drug $25.83 $10 copay

Total Amount Paid $121.35 $19.55

Amount Applied to Plan Deductible -- Already Met

Amount Applied to Out of Pocket Max -- $19.55

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People’s Health Express

• BenefitMall provides Base coverage to all employees who enroll in Medical through the company

• Benefits include:–Teledoc: 24/7/365 access to a doctor online or by

phone• Save money by avoiding expensive urgent care or ER visits.

Teledoc treats conditions like: Cold and Flu, Allergies, Pink Eye, Poison Ivy, Sinus Problems, Urinary Tract infections, bronchitis and more!

–Discount Pharmacy, Dental, and vision program

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HEALTH SAVINGS ACCOUNTS (HSA)

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What are the benefits of an HSA?

HSA Account offers flexibility and convenience• Employee owned account (fully portable)•HSA can be funded by Employer or Employee pre-tax• Funds can be used for any eligible expense (medical, dental,

vision, Rx, OTC drugs with Prescription)•Automatic rollover; no risk of “use it or lose it” like FSA•No claims reimbursements to file. Just keep your receipts from

services• Interest grows tax-free• Balances can be invested (similar to IRA)•Account balance insured by FDIC

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HSA Eligibility

In order to be eligible for an HSA:•Must be enrolled in a qualifying HDHP•No dual coverage (may not have any other health coverage that

is not a qualifying HDHP)•May not be enrolled in Medicare Part A or Part B•May not be claimed as a dependent on someone else’s tax

return•May not have a traditional Health Care FSA•May not have received veterans benefits in the previous three

months

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HSA Funding

• You can contribute pre-tax dollars into your HSA account via

payroll deductions.– You can change your HSA contribution on a monthly basis in Exponent (as a Life Event)

• You can make a contribution directly to HSA Bank through a

standard online bank transfer– Look for additional information in your welcome packet.

• IRS maximum HSA contributions for 2014:– Individual: $3,300– Family: $6,550– $1,000 “catch up” contribution for individuals over age 55

• IRS maximum includes both employee AND employer

contribution

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HSA Bank• Upon enrolling in the BCBSTX HDHP, an HSA account will

automatically be opened in your name through HSA Bank

• You will receive an HSA debit card to use for eligible expenses

• HSA Bank may require you to verify certain personal information such as home address. They will contact you via phone and letter if they need additional information. Common delays include:– The Federal government requires a valid street address to open bank accounts. If you

have a P.O. Box as your address in Exponent, this could cause delays with the opening of your HSA.

– HSA Bank requires a phone number to open an account. Make sure you update Exponent accordingly!

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HSA Bank – Common Fees and How to Avoid Them

No monthly account maintenance fee for your new HSA

Other Fees Amount How to Avoid

Monthly Paper Account Statement $0.75 Elect to receive free e-statements

ATM Withdrawal $2.00 Access funds through online transfers

Point of Sale Purchase with PIN (DEBIT Transaction)

$2.00 Use your HSA Bank card at point of sale with signature (CREDIT)

Check Order (50 Checks) $7.95 Use your HSA debit card or online transfers to access funds

Nonsufficient Funds $30.00 Check your available balance before you withdraw funds

Replace Lost or Stolen Card $12.00 Protect your card

Duplicate Copy of Tax Document $4.00 View or print copies online

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WELLNESS PROGRAMS

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Introducing Healthy Measures!

• BenefitMall committed to encouraging healthy behaviors and rewarding healthy measures!

• 2014 Employer HSA funding based Healthy Actions. You will qualify for one of five reward tiers:

1. Non-Participant

2. Participant (complete HRA & Biometric Test)

3. Bronze (achieve tier level health measures)

4. Silver (achieve tier level health measures)

5. Gold (achieve tier level health measures)

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BioIQ and Healthy Measures

• All New hires will automatically default into “Participant” level funding for the first of the quarter following their date of hire.

• To continue to receive Participant level funding for the remainder level of the year, or to increase your funding you MUST visit login to the BioIQ portal by visiting the Commons

• To maintain the participant level HSA funding complete the following:

1. Tobacco-free Affidavit 2. Health Risk Assessment 3. Biometric Screening (results of your biometric screenings will determine

additional funding as shown).

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Healthy Measures Overview

Healthy Measures Level / HSA Funding

(Listed below represents Annual funding)*

Tobacco Use (Online

Affidavit)

Waist Circumference (At or below 35 inches

for female/at or below 40 for male)

Fasting Glucose

Blood Pressure Cholesterol

Gold $1,000 Individual / $2,000 Family

Non User MeetsAt or below

100At or below

120/80At or below

200

Silver $750 Individual / $1,500 Family

Non User Not Required At or below 110At or below

130/85At or below

210

Bronze $500 Individual / $ 1,000 Family

Non User Not RequiredAt or below

126At or below

140/90At or below

220

Participant $250 Individual / $500 Family

(complete HRA, Tobacco Affidavit, and Biometric)

Participation Required

Not RequiredParticipation

RequiredParticipation

RequiredParticipation

Required

Non-Participant No Annual HSA Funding*

Not Required Not Required Not Required Not Required Not Required

• All employer funding levels require completion of BioIQ Health Risk Assessment.• Employer HSA funding will be provided in equal semi-annual installments (based on annual

amounts listed above) and will be based on employee healthy measures reported to BioIQ

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Healthy Measures: Testing Options

All new hires will receive a BioIQ “Welcome Packet” in orientation documents that outlines participation requirements and BioIQ-site access / navigation. Please refer to packet for detailed instructions.

1. Use your results from annual wellness exam• Must have been completed in last 6 months and you must still complete the registration

and tobacco affidavit in the BioIQ system.

2. Complete the screenings with your personal physician• Submit a physician affidavit to BioIQ

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HSA Funding: Example

2014Jan 1 Apr 1 Jul 1 Oct 1

Hire Date of 2/1

Employee would get ¼ of Participant level funding on first payroll after 4/1

Employee has until 6/1 to complete all healthy actions

Employee will be funded based on healthy measures participation and outcomes

Employee will be funded based on July 1 level or additional participation in RAS program

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Alternate Reward Options

1. Retake Option• Complete a biometric exam during 2014 through your provider or at company sponsored

onsite and report your completion to BioIQ benefits@benefitmall.com no later than 3/15, 6/15 or 9/15 to determine HSA funding next quarter. Limit one submission per quarter.

2. Reasonable Participation - Alternative Standard Option• Complete one of the many BCBSTX coaching or online programs and report your

completion to BioIQ by clicking on the Incentive tracker, and• Submit proof of completion to benefits@benefitmall.com no later than 3/15, 6/15 or 9/15

to determine HSA funding. • More information found on the Commons and BioIQ

3. Medical Condition - Alternative Standard Option • Complete one of the BCBSTX programs to achieve HSA funding, and• Log in to the BioIQ and click on the Incentive Tracker to complete the Medical Condition

form.

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Well OnTarget

• BCBSTX introduces new member portal: www.wellontarget.com

• Earn points by participating in healthy activities such as Health Questionnaire, Health coaching, food and exercise diary, fitness program, and more!

• Redeem points in an expanded online Shopping Mall:– Reward categories include Apparel, Books, Health & Personal Care, Jewelry,

Electronics, Music, and Sporting Goods

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MEDICAL PLAN COSTS

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Employee Deductions: Medical

Employee Portion of Premium

ACA Fees Total Monthly Employee

Contribution

Total Bi-Weekly Employee

Contribution

Employee $63.31 $17.59 $80.90 $37.34

Employee/Spouse $312.91 $40.70 $353.61 $163.20

Employee/Children $243.05 $34.23 $277.28 $127.98

Family $485.59 $56.69 $542.28 $250.28

Note: Spousal Surcharge not included in rates above

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Working Spouse Surcharge

• BenefitMall will add a spouse surcharge of $25 per month if a covered spouse declines medical coverage through his/her own employer and chooses BenefitMall medical coverage.– If a spouse chooses coverage through his/her own employer, or if employer

coverage is not available, the spouse surcharge will not apply.

• Online Acknowledgement in ExponentHR Enrollment System– If you elect spousal coverage for medical, you will prompted to complete an online

acknowledgement attesting whether your spouse has medical insurance available

through his/her own employer. If you elect yes, and enroll spouse in medical, your

rates online will reflect the $25/month spousal surcharge.

– Failure to accurately declare your spouse’s status may result in cancelation of

your medical coverage. Additionally, your claims may be denied and you may

face disciplinary action up to and including termination of employment.

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BCBSTX Cost of Care Tool• In addition to Health Advocate, you have access to cost of

care tools through www.BCBSTX.com – View and compare treatment costs online

– Compare how hospitals, providers, and other facilities measure upon cost in treating hundreds of different diagnoses and procedures

– Includes inpatient and outpatient services as well as basic office visits

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DENTAL & VISION

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• Dental Plans through Humana• Large, national network• In addition to the Humana network, Humana partners with Stratose : a national

dental network of indemnity and out of network providers that allow payors and members to save additional out of pocket expenses when care is sought at non-network dentists

• “Base” / “Buy -Up” Plan design• BenefitMall pays 100% of employee only coverage in base plan and 70% of

dependent coverage• You may opt to buy up to a higher level

of coverage (Annual Max, Coinsurance,

and UCR)

Dental

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Dental Plan Design“Base” PPO

(In / Out)“Buy-Up” PPO

(In / Out)

DeductibleIndividualFamily

$50$150

$50$150

Annual Maximum $1,000 $1,500

OON Reimbursement Fee Schedule 90th UCR

Preventive 100% (ded. Waived) 100% (ded. Waived)

Basic 50% 80%

Major 30% 50%

Orthodontia 50% 50%

Orthodontia Lifetime Max $1,000 $1500

Extended Maximum Rider Not Included Included

• Extended Maximum Rider: once you have exhausted your annual maximum, you will

continue to receive 30% discount from in-network providers.

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Employee Deductions: Dental

Your Biweekly Cost Base PPO Buy Up PPO

Employee $0.00 $8.22

Employee/Spouse $2.75 $19.75

Employee/Children $4.28 $23.18

Family $6.44 $32.38

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Vision Coverage

• Voluntary Vision coverage through VSP– VSP Signature network– $10 vision exam (each calendar year)– $25 copay for lenses (each calendar year)– $130 toward the purchase of frames (every two calendar years)– $130 contact allowance in lieu of frames (every calendar year)

Your Biweekly Cost VSP Vision

Employee $3.99

Employee/Spouse $6.39

Employee/Children $6.52

Family $10.52

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LIFE, DISABILITY, & VOLUNTARY

BENEFITS

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Term Life and AD&D

• Basic Life / AD&D– 100% Employer Paid– 1.5 times annual earnings to a maximum of $375,000

• Supplemental Life and AD&D– True Open Enrollment: all employees have the opportunity to elect life insurance up to

Guarantee Issue with no medical questions!• Employee: Coverage must be purchased in $10,000 increments to a maximum of 5x

annual salary or $500,000. Guarantee Issue = $100,000• Spouse: Coverage must be purchased in $5,000 increments not to exceed 50% of

employee election or $250,000. Guarantee Issue = $30,000• Child: Coverage must be purchased in $2,000 increments to a maximum of $10,000.

– Exclusions:• Spouse covered to age 70• Dependent Children to age 26

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Disability

• Insured by CIGNA

• 100% employer paid. (Benefits, if received, are considered taxable income.)

– Short Term Disability• 7 day elimination period for accident and sickness• 60% of salary to $1,000 per week

– Long Term Disability• Benefits continue to Social Security Normal Retirement Age• 60% of salary to a maximum of $13,000 per month

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CIGNA Employee Assistance Program (EAP)

• 24-hour toll free access to EAP professionals 7 days a week for employees and family members

• Telephonic assistance and referral

• Three face to faces sessions with a counselor

• Additional Mental Health, Financial issues, and Grief Resources available

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CIGNA Travel Assistance

• Worldwide travel assistance for you when 100+ miles from home

• Benefits Include:• Pre-trip assistance• Translation and interpreter services• Locating legal services• Lost baggage• Emergency payment and cash• Emergency messages• Document replacement• Coordination of medical assistance• And more! Visit benefits website for additional details.

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Flexible Spending Accounts

Plan Administered by eFlex

– Health Care FSA (Not Compatible with HSA)• Only available to non-medical-plan-enrollees (Ex: benefits through your spouse)• Qualified expenses include medical, dental, vision, prescription drug, acupuncture, and

chiropractic care• Annual pre-tax election of up to $2,500

– Limited Purpose FSA (Compatible with HSA)• Qualified expenses include dental and vision only (including orthodontia and Lasik vision)• Annual pre-tax election of up to $2,500

– Dependent Care FSA (Compatible with HSA)• Qualified expenses include licensed day care / in-home care (custodial not educational)• Licensed elder care services (for adult dependent living with you)• Annual pre-tax election of up to $5,000 per household

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Humana Voluntary Products

• Accident, Critical Illness, and Hospital Indemnity – Enrollment is not part of Exponent– Sign up direct with Humana

• To sign up or change your elections, call Martha at Humana: 1-888-313-4534 ext. 1121602

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Accident Insurance: Humana

• Provides you with reimbursement for actual charges that you must pay in the event of an accident• Available to you, your spouse, and your children • Current Payroll Accident plan does not have 24 hour

coverage. You can sign up for a new policy though the go-forward BenefitMall Accident plan which DOES offer 24 hour coverage! • To sign up or change your elections, call Martha at

Humana: 1-888-313-4534 ext. 1121602

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Critical Illness: Humana

• Coverage can help cover expenses associated with a serious illness. • Pays a lump-sum payment upon diagnosis– Conditions include but are not limited to heart attack, stroke, cancer, and

more!– For complete list of eligible illnesses, please see Plan Documents

• $100 Health Screening benefit available per calendar year for covered preventive health screenings!• To sign up or change your elections, call Martha at

Humana: 1-888-313-4534 ext. 1121602

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Hospital Indemnity (Supplemental Health)

• New Benefit to Insurance division!

• Provides lump sum payments to covered person for selected services

• Services include:– Hospitalization

– Emergency Room

– Doctor Visits

– Intensive Care Unit (ICU)

– Surgery

– Lab/X-ray

– Wellness

• To sign up or change your elections, call Martha at Humana:

1-888-313-4534 ext. 1121602

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ENROLLMENT

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How To Enroll

• Access the online enrollment tool from the Commons:

• Log into Exponent at www.ExponentHR.com

– If you experience problems accessing the Exponent website or confirming your benefit elections, please contact online enrollment at 866.612.3200 or benefits@benefitmall.com

–Obtaining User Credentials• If you are a first time user, click the “First Time Users” link located in the lower left

side of the login screen and follow onscreen instructions• If you already have credentials, but have lost / forgotten them, click the “Forgot User

ID” of “Forgot Password” links and follow the prompts.

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Questions?

• For additional details about your 2014 benefits, visit:www.filice.com/benefits/2014benefitmall

• For further information or questions about your health benefits coverage, contact Health Advocate – 866-695-8622 or answers@healthadvocate.com

• For questions about the Wellness Program, contact BioIQ: -877-862-4647

• All other questions can be directed to:– benefits@benefitmall.com