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Understanding YourMedicalContact Health Advocate for /Allergananswers@HealthAdvocate.comUnder our three national carriers - Aetna, Horizon BCBS, UHC - and our regional carriers - BSW and Kaiser - each medicalplan generally covers the same services, however clinical policies may differ by carrier. The main difference between theplans is how much you pay in employee contributions and how you pay for services as described below.YOUR COST SHARE FOR IN-NETWORK MEDICAL PLAN COVERAGE1Aetna, Horizon BCBS, UHC, Baylor Scott & White 400 DEDUCTIBLE PLANPER PAYCHECKCONTRIBUTIONS2 900 DEDUCTIBLE PLAN 1,500 DEDUCTIBLEPLAN WITH HSA 2,500 DEDUCTIBLEPLAN WITH HSAHighestLowestMEDICAL/RXDEDUCTIBLE 400 per individual, upto 800 family maximum 900 per individual,up to 1,800 familymaximumEmployee Only: 1,500Employee Only: 2,500All other coveragelevels: 3,000All other coveragelevels: 5,000OFFICE VISIT Preventive Primary Care Specialist 0 20 copay 40 copay 0 20% after deductible 20% after deductible 0 20% after deductible 20% after deductible 0 30% after deductible 30% after deductiblePLANCOINSURANCEYou pay 20% afterdeductible, up to OOP maxYou pay 20% afterdeductible, up to OOP maxYou pay 20% afterdeductible, up to OOP maxYou pay 30% afterdeductible, up to OOP maxMEDICAL/RXOUT-OF-POCKETMAXIMUM(OOP MAX) 2,200 per individual,up to 4,400 familymaximum 3,000 per individual,up to 6,000 familymaximumEmployee Only: 3,000Employee Only: 4,500All other coveragelevels: 6,000All other coveragelevels: 6,850ANNUAL HSACONTRIBUTIONFROM ALLERGAN3Employee Only: 450Employee Only: 650N/AN/AAll other coveragelevels: 900All other coveragelevels: 1,300You may enroll in and contribute to a:ACCOUNTS TOPAY FOR HEALTHCARE EXPENSESYou may contribute to a Health Care FSA to pay foreligible 2020 health care expenses. HSA to pay for 2020 and/or future eligible healthcare expenses (no ‘use-it-or-lose-it’ provision), and aIf you enroll in a 2021 FSA, you can roll over up to 500 from your 2020 Health Care FSA to use in 2021;all other unused funds are forfeited. Combination FSA to pay for eligible 2020 dental and/orvision costs plus eligible 2020 medical expenses once theIRS statutory deductible is met. If you enroll in a 2021 FSA,you can roll over up to 500 from your 2020 CombinationFSA or Health Care FSA for use in 2021; all other unusedfunds are forfeited.F or details on out-of-network coverage through the medical plans, as well as for details on other regional plans, see the SBC on 1hrSource online or Mercer Marketplace.Please note that you’ll pay more for services from out-of-network providers because there are no negotiated contracts; you can save money by staying in-network.P er paycheck costs available in the 2020 Bi-weekly Contributions Rate Sheet on 1hrSource online (under Health Enroll/Change Your Elections).3A llergan’s full annual HSA contribution is deposited into colleagues’ accounts in January each year concurrent with the first paycheck of the year. You must actively enroll in the HSAeach year to receive Allergan’s HSA contribution. Mid-year enrollees will receive a prorated Company contribution based on the month following their HSA enrollment, as soonas practical.12Educate.

REGISTER FOR TELEHEALTHTake time to register for telehealth with your carrier’s provider so you can receive virtual care when youneed it. Check your carrier’s website for their telehealth service provider.COVERING DEPENDENTS?Understand How In-Network Deductibles and Out-Of-Pocket Maximums Work 400 and 900 Deductible Plansfor services subject to coinsurance: T he plan pays 80% for any person once theymeet their individual deductible. Once themaximum family deductible is met, the planpays 80% for all covered members, even if thoseindividuals have not met their own deductible. T he plan pays 100% for any person once theymeet their individual out-of-pocket maximum.Once the maximum family out-of-pocket is met,the plan pays 100% for all covered members,even if those individuals have not met their ownout-of-pocket maximum. 1,500 and 2,500 Deductible Plans: T he entire family deductible (applies to allcoverage levels except Employee Only) must bemet before the plan begins to pay benefits at the80% or 70% coinsurance for any family member.1 T he entire family out-of-pocket maximum mustbe met (applies to all coverage levels exceptEmployee Only) before the plan pays 100% forany family member.Supplemental MedicalConsider pairing supplemental medical plans with a higher deductible medical planVoluntary, supplemental plans provide cash payments in the event of a significant, unexpected medical expense. On theirown, they do not provide basic medical coverage. They are designed to complement your primary medical plan to help ifyou’re suddenly faced with large out-of-pocket medical expenses and a large deductible.The following policies are available: Accident Insurance – Provides payments for services received as a result of a covered accident (including emergencyroom treatment, benefits for fractures, dislocations, etc.) C ritical Illness Insurance – Can help cover out-of-pocket expenses if you or a covered dependent is diagnosed with acovered illness (e.g., cancer) H ospital Indemnity Insurance – Helps protect you and your savings by paying you a direct benefit to coverexpenses related to a covered hospitalization.FREE MONEY!If you enroll in Critical Illness Insurance, you and your spouse/domestic partner are each eligibleto receive an annual 50 wellness benefit by completing one wellness screening per year (e.g.,mammogram, colonoscopy, biometric screening, skin cancer screening, etc.). Simply submit a claimform to AFLAC documenting your screening and you’ll receive a 50 check in the mail!1S pecial rules apply to Kaiser - Northern California and Kaiser - Southern California, due to California State Mandates. Specifically, any family member will have a maximum deductibleof 2,800. See the Kaiser Evidence of Coverage documents on 1hrSource online for details.Educate.

Understanding YourPrescription DrugPrescription drug coverage is automatically included in all of Allergan’s medical plan options. If you participate in anAllergan medical plan offered through Aetna, Horizon BCBS, UHC or BSW, your prescription drug coverage is providedthrough CVS Caremark and is outlined in this section. You will get a separate prescription drug card from CVS Caremark,approximately two weeks after you enroll.If you participate in a regional medical plan offered by Aetna International, HMSA, Kaiser or Triple S, your coverage maydiffer. See your carrier’s benefits booklets for details.With CVS Caremark, you have: A network of more than 68,000 pharmacies nationwide, including 9,700 CVS locations (including those locatedinside of Target stores), but also many pharmacies you may use today, like Walgreens, Walmart, Rite Aid, and more. T wo ways to fill 90-day supplies of your long-term medications (such as those for high blood pressure, birth controlor diabetes) for a lower cost than three 30-day supplies: C VS Caremark Mail Service Pharmacy, C VS Pharmacy locations Automatic point-of-sale rebates on many preferred brand-name drugs that save you money when you pick up your prescription. D rug lists. Use the CVS Caremark “Check Drug Cost” tool, available on 1hrSource online and Mercer Marketplace todetermine your medication’s out-of-pocket cost based on the medical/prescription drug plan you may choose. The toolwill also identify cost savings opportunities. C VS Specialty Pharmacy for individuals with rare, complex or genetic conditions.“MEMBER PAY THE DIFFERENCE” PROVISIONIn order to incent the use of generic medications to help reduce the overall cost of health care, if youfill a non-Allergan brand medication when a generic is available, you generally will pay the difference incost between the generic and brand medication plus the generic copay/coinsurance. Only the genericcopay/coinsurance will count toward your plan deductible and/or out-of-pocket maximum, not theamount of the price differential between the two medications. Note the additional charge does notapply to Allergan branded drugs or certain behavioral health medications.All covered generics will be your lowest cost option on the Performance Drug List. Speakwith your doctor and consider whether switching to a generic drug may be right for you. If you or yourdoctor have any concerns, call a CVS Caremark Customer Care representative at 1-844-224-9931.Educate.

YOUR SHARE OF PRESCRIPTION DRUG COVERAGECVS Caremark 400 DEDUCTIBLEPLAN 900 DEDUCTIBLEPLANDEDUCTIBLENone. Rx copay or coinsurance amounts are paideach time, regardless of deductible and do not counttoward the deductible.PREVENTIVE DRUGSSee page 12ALLERGAN DRUGSNON-ALLERGANDRUGSGeneric Drugs:Lowest cost. 2,500 DEDUCTIBLEPLAN WITH HSAYes. Must meet deductible (combined for medicaland prescription drugs) before Rx coinsurance applies(other than preventive drugs as described on page 12). 0 copay after you meet the deductible, as requiredby law for non-preventive drugs in HSA-qualified plans. 0 copay 0 copay without meeting the deductible for certainpreventive drugs as described on page 12.SHORT-TERM DRUGS(Up to a 30-day supply):SHORT-TERM DRUGS(Up to a 30-day supply):Generic: 10 copayGeneric:You pay 30%(min 10/max 20)Preferred Brand: 30 copay 1,500 DEDUCTIBLEPLAN WITH HSAPreferred Brand:You pay 30%(min 25/max 50)PreferredBrand Drugs:If a generic isnot available orappropriate.Non-Preferred Brand: 60 copayNon-PreferredBrand Drugs:Drugs that willcost more.LONG-TERM DRUGS(Up to a 90-day supply):LONG-TERM DRUGS(Up to a 90-day supply):Generic: 25 copayGeneric:You pay 30%(min 25/max 50)You pay 20% afterdeductible, up toOOP max.You pay 30% afterdeductible, up toOOP max.Deductible waivedfor certain preventivemedications asdescribed on page 12.Deductible waivedfor certain preventivemedications as describedon page 12.Non-Preferred Brand:You pay 45%(min 40/max 80)Preferred Brand: 75 copayNon-Preferred Brand: 150 copayPreferred Brand:You pay 30%(min 62.50/max 125)Non-Preferred Brand:You pay 45%(min 100/max 200)PLEASE NOTE: When a generic is available, but the pharmacy dispenses anon-Allergan brand medication you generally will pay the difference betweenthe non-Allergan brand medication and the generic plus the genericcopayment/coinsurance. The ‘member-pay-the-difference’ provision does notapply to Allergan brand drugs or certain behavioral health medications.If you or your physician have any questions concerning this, please contactCVS customer care toll-free at 1-844-224-9931.Educate.

UNDERSTANDING YOUR PREVENTIVE DRUG BENEFITSPreventive care benefits are an essential part of your Allergan health coverage. Here’s an overview of Allergan’s preventivedrug benefits and how cost sharing works.ACA PREVENTIVE DRUGS:The Affordable Care Act makes certain preventivemedications and supplements available to you atno cost. You pay 0 for qualifying ACA preventivemedications regardless of which medical planyou choose.EXPANDED PREVENTIVE DRUGS FOR THE 1,500 AND 2,500 DEDUCTIBLE PLANS:Participants in these plans have access to an expandedpreventive drug list provided by CVS Caremark aspermitted by law, including many drugs for behavioralhealth disorders. For drugs on this list, coinsurance willapply immediately (no deductible applies).Note: Allergan-manufactured drugs on the expandedpreventive drug list are provided at 0 immediately.CHECK DRUG LISTSAccess the following drug lists on 1hrSource online orMercer Marketplace: P erformance Drug List - lists generics andpreferred brand medications A CA Preventive Drug List - lists the 0 copay preventivedrugs in all plans Expanded Preventive Drug List - for the 1,500 and 2,500 Plans C omprehensive Specialty Drug List - lists specialtymedications available exclusively through CVS SpecialtyPharmacyEducate.

Understanding YourDentalVision Plan OptionsAllergan offers two dental plans and three vision plans. Review your options here,then visit Mercer Marketplace to learn more and enroll.DENTALAllergan offers the Basic Plus and Enhanced Dental Plan.Both dental plans are administered by MetLife, use their PDPPlus provider network and cover preventive services at 100%.The Enhanced Plan covers a larger portion of basic servicesand includes orthodontia coverage for adults and children.YOUR COST SHARE FOR DENTAL COVERAGEBASIC PLUS PLANENHANCED PLANINDIVIDUAL/FAMILY DEDUCTIBLE 50/ 150 50/ 150ANNUAL MAXIMUM BENEFIT(per person) 1,000 2,000 0 copay2 30%, after deductible2 50%, after deductible2 0 copay2 20%, after deductible2 50%, after deductible2ORTHODONTIA COINSURANCE/LIFETIME MAXIMUM (per person)Not covered 50%2 2,500 lifetime maximumORTHODONTIA ELIGIBILITYNot coveredAdults and childrenSERVICES Preventive1 Basic Major12Includes two cleanings and exams each year, not subject to the deductible. For in-network coverage, the plan pays a percentage of the provider’s negotiated fee, which refers to the discounted fees that participating network providers have agreed to accept.For out-of-network coverage, the plan pays a percentage of the Reasonable and Customary (R&C) charge, which is usually higher than the negotiated fee. When visiting an out-ofnetwork provider, you are responsible for 100% of charges above R&C.NO ID CARD NEEDED FOR DENTAL & VISIONTo use your dental and/or vision benefits, provide your name, Allergan’s name, your Social SecurityNumber, and the Group number (Dental: 306371; Vision: 30060593) to your provider, who should be ableto look up your coverage information. You also can access a virtual ID card on each carrier’s mobile app.Educate.

VISIONAllergan offers the Exam Only Plan, Standard Plan and Enhanced Plan.As part of our commitment to overall eye health, Allergan offers a freecomprehensive eye exam including a free retinal screening each calendar yearfor all colleagues through VSP in-network providers, under each plan option.The Exam Only Plan is provided at no cost to you. Compared with the StandardPlan, the Enhanced Plan offers a lower copay for prescription glasses lenses andhigher allowances for frames and contact lenses.YOUR COST SHARE FOR VISION COVERAGE FROM A VSP - PARTICIPATING PROVIDER1EXAM ONLY PLANSTANDARD PLANENHANCED PLANEXAM(once per calendaryear, includes retinalscreening) 0 copay 0 copay 0 copayPRESCRIPTIONGLASSES20% savings on complete pairof prescription glasses andsunglasses from any VSP providerwithin 12 months of last exam 25 copaySee lenses, lens enhancements andframes for additional details 10 copaySee lenses, lens enhancements andframes for additional detailsLENSES Single vision Lined bifocal Lined trifocalNot covered20% savingsOnce every 12 months2Once every 12 months2Included in prescription glassesIncluded in prescription glassesOnce every 12 months2Once every 12 months2 55 copay 95– 105 copay 150– 175 copay 0 copay 95– 105 copay 150– 175 copayOnce every 24 months2Once every 12 months2Not covered20% savings 130 allowance for a selectionof frames 2 0% savings on the amountover your allowance 175 allowance for aselection of frames 2 0% savings on the amountover your allowanceNot covered15% savings on contact lensservices (exam only, excludescontact lens materials)Once every 12 months2Once every 12 months2 Up to 60 copay for exam Up to 60 copay for exam 130 allowance for contacts(copay does not apply) 175 allowance for contacts(copay does not apply)Not coveredAs needed; 20 copayAs needed; 20 copayLENSENHANCEMENTS Standard progressive Premium progressive Custom progressiveFRAMESCONTACT LENSES(instead of glasses)DIABETIC EYECAREPLUS PROGRAM3123Not covered20% savingsFor details on out-of-network coverage, see the vision benefit summary on 1hrSource online or Mercer Marketplace.Frequency of services is based on calendar year.Services related to diabetic eye disease, glaucoma and age-related macular degeneration (AMD).Educate.

Save MoneyTax-Advantaged AccountsYou can save money by contributing on a pre-tax basis to a Health Savings Account (HSA), Flexible Spending Account (FSA)and/or a Commuter (Transit and/or Parking) Account.HEALTH SAVINGS ACCOUNTS (HSA)Colleagues enrolled in the 1,500 and 2,500 Deductible Plans are eligible to enroll, provided they meet the HSA eligibilitycriteria, in order to take advantage of the "triple tax savings" - pre-tax contributions, federal tax-free withdrawals for qualifiedhealth care expenses, and tax-free interest and investment earnings. Once your balance reaches 1,000, you may investyour account balance in excess of 1,000 in a variety of investment funds.DON’T MISS OUT ON FREE MONEY!If you enroll in the 1,500 or 2,500 Deductible Plans, you MUST enroll in an HSA in order to receiveAllergan’s HSA contribution and to make your own contributions. The amount you receive will be prorated based on the month following your enrollment date. You are not required to contribute your ownfunds to receive a contribution from Allergan, however, you do need to complete the HSA enrollmentprocess. You can update your own contribution amount at any time. 1,500 DEDUCTIBLE PLAN1 2,500 DEDUCTIBLE EE ONLY 450 3,550 650 3,550ALL OTHERCOVERAGE LEVELS 900 7,100 1,300 7,100 Includes Allergan’s full year contribution amount. Amount will be pro-rated based on the month after your enrollment date.Educate.

FLEXIBLE SPENDING ACCOUNTSIf you enroll to participate in a Health Care FSA,Combination FSA or Dependent Care FSA. Youmust generally incur all FSA eligible expenses byDecember 31 of the Plan year and submit all eligibleclaims for reimbursement by March 31 of the yearfollowing the Plan year. Special rollover rules applyto the Health Care and Combination FSAs, asdescribed below.Health Care FSAAll colleagues who are not enrolled in an HSA are eligible,even if you are not enrolled in an Allergan medical plan.You generally must incur all expenses in the current Planyear, however, there is a special provision that allows youto roll over up to 500 each year to the next calendar yearas long as you enroll in the Health Care or CombinationFSA the following year. Rollover funds will be available inmid-April of the following year.Combination Health Care FSAAll colleagues enrolled in an HSA can use this account fordental and vision expenses, plus medical/prescriptiondrug expenses after you reach the IRS statutorydeductible. Like the Health Care FSA, you can roll over up to 500 to use in the following calendar year as long asyou re-enroll in the Health Care or Combination FSA thefollowing calendar year. Rollover funds will be available inmid-April of the following year.Dependent Care FSAAll colleagues are eligible to enroll in and use this accountfor day care expenses for eligible dependents (underage 13) or elderly dependents (whom you claim asdependents on your tax return), so that you and yourspouse can work, look for work or attend school full-time.Consider your contribution election carefully, as you mustincur expenses by the earlier of December 31 of the Planyear or when the child turns 13. Per IRS rules, any unusedamounts at the end of the Plan year will be forfeited; thereis no rollover provision. This account cannot be used fordependent medical expenses.COMMUTER ACCOUNTS(PARKING/TRANSIT)All colleagues are eligible to enroll in a transit and/orparking account to pay for commuting expenses with taxfree dollars (federal and most states). A monthly deductionwill be made on the first pay period of each

representation and the official Plan documents or insurance contracts, the official Plan documents or insurance contracts govern. Nothing in this document is intended to imply a contract of employment. Allergan reserves the right to end, suspend, or amend its benefit programs, in whole or in part, at any time in its sole discretion. November, 2019