WIXLIB

YourTotalHealthBenefits

Your Total HealthBenefits OverviewEach and every day, in moments big and small, CVS Health is shapingthe future of health care. As a colleague, you’ll receive a competitive benefitspackage that connects you with affordable, flexible and personalized programsfor managing your overall wellbeing.You’ll also be part of a company that’s passionate about givingback to our colleagues and the communities we serve. Duringthe past five years, we’ve provided 1.5 million in grants tocolleagues experiencing unforeseen hardships. And over thenext five years, we’ve committed 50 million to help peoplelead tobacco-free lives. Learn more about all of the ways we’reinvolved at: cvshealth.com/social-responsibility.Enclosed you’ll find a summary of CVS Health benefits, helping you understandhow the company supports your physical, financial and professional health.We hope you’ll join our team as we continue our purpose of helping peopleon their path to better health.

Who is Eligible?CVS Health colleagues who work an average of at least 30 hoursper week are eligible for medical and retirement benefits aftercompleting 90 days of continuous employment, unless otherwisenoted. You may elect one of these coverage levels for each benefit:Individual Individual spouse Individual child/children Family

Physical HealthFrom basic care like medical, dental and vision coverage to wellnessprograms and better-health incentives, CVS Health offers a varietyof programs to ensure that you and your family live well and stay well.Medical CoverageWant flexibility in choosing a healthplan? You got it! Select from threeHigh Deductible Health Plan (HDHP)options, each with a differentdeductible, paycheck contributionand out-of-pocket maximum. Allthree offer a nationwide network* ofphysicians and hospitals, and allqualify for a tax-advantaged HealthSavings Account (HSA).In-Network PreventiveCare Covered at 100%You’ll receive comprehensivemedical and prescription coveragewith fully covered in-networkpreventive care.No Copays for OfficeVisits or PrescriptionsInstead, you’ll pay the discountedcost for non-preventive officevisits, drugs, lab tests and otherhealth expenses until you meetthe plan’s deductible.Save for Expenses witha Health Savings Account (HSA)HSAs encourage you to savefor health care expenses whilebenefiting from tax advantages.And, each pay period, CVS Healthtakes it a step further and makestax-free contributions to your HSA.Supplemental Medical PlansYou can pay for these supplementalmedical plans, which provide cashbenefits for covered events: Accident Insurance Critical Illness Insurance Hospital Indemnity InsuranceFor Specialty DrugsYou pay a 100 copay afteryou meet the deductible.HSAOn DemandNeed help covering your qualifiedhealth care expenses, but don’thave enough money in your HSA?Meet HSA On Demand, whichallows you to borrow against futurecompany contributions within theplan year.Prescription CoverageHealth Savings Plan (HSP)Preventive Therapy Drug ListPreventive generic drugs and brandname insulin are covered at 100%. Forbrand-name drugs on the list, you’ll pay20% of the discounted cost withouthaving to satisfy the deductible first.Flexible SpendingAccounts (FSAs)**To help manage health- ordependent-care expenses,you can choose fromseveral FSAs.Health Care FSA***Combined Medical andPrescription DeductibleFor Drugs Not Included on theHSP Preventive Therapy Drug ListThis feature allows you to meet yourdeductible sooner, and benefit fromthe CVS Health cost share even faster.For generic drugs and brands forwhich there are no generic alternatives,you pay the full discounted cost untilyou meet your combined medical/prescription deductible. After that, youpay only 20% of the cost andCVS Health pays 80%.Help pay for eligible expensessuch as deductibles, copays,coinsurance and certainover-the-counter medicines andproducts. If you’re eligible, youcan contribute to this accountthrough convenient, pretaxpayroll deductions.*Accountable Care Organizations (ACOs), which offer narrower networks, are available in Phoenix and Dallas. Please visit mbspot2.com for more details.**Unused funds at the end of the plan year do not roll over to the next plan year.***You are only eligible for a Health Care FSA if you are not enrolled in a high deductible health plan.

Limited Purpose FSAThe Aetna DMO Works in addition to your HSA.Helps pay for eligible expensessuch as dental and vision beforeyou meet the medical plandeductible, or any eligible expenseafter you’ve met the deductible.Contribute to this account throughconvenient payroll deductions.This option generally covers similarservices as the Enhanced option, butoffers additional coverage such asadult orthodontia. Use DMO networkdentists only. Important: You mustselect a primary care dentist if you’reenrolling in this plan for the first time.Confirm that your dentist is in-networkbefore selecting this plan.Dependent Care FSAMake pretax payroll contributionsto pay for eligible dependent daycare expenses that allow you(and your legal spouse) to work.Dental PlansThis benefit is available to allcolleagues, regardless of thenumber of hours you work perweek. Depending on where youlive, you can choose betweenthree dental plans:Delta Dental PPO BasicThis option covers basic restorativeand preventive dental services only.Use any dentist you want; you’llpay less when you choose a networkprovider.Delta Dental PPO EnhancedThis option provides a higher level ofcoverage than the Basic option. Useany dentist you want; you’ll pay lesswhen you choose a network provider.Vision PlansThis benefit is available to allcolleagues, regardless of the numberof hours you work per week. ThroughVSP, you can choose between twovision-care options – the Basic andPremier Plan. Both include: Contact lens exams and materialscovered up to a set allowance Choose between the eyeglass (frameand lens) benefit or the contact lensbenefit for the plan yearGet Healthy and Stay Healthywith MinuteClinic All CVS Health colleagues haveaccess to select wellness servicesat no cost through MinuteClinic: Comprehensive health screenings A weight-loss program Personalized smokingcessation programs Annual flu shotsPlus, colleagues and family membersenrolled in a CVS Health medical planpay only 45 for MinuteClinic sickvisits before meeting the deductible.Once the deductible is met, all futurevisits are free. Examples include: Allergy symptoms Bronchitis and coughs Earaches and ear infections Sore and strep throat Upper respiratory infectionsYour WellnessThe Strive wellbeing program offersa host of wellness programs tosupport your health, including healthcoaching, activity challenges, weightmanagement, tobacco cessation/Tobacco-free Pledge, healthscreenings, flu shots and more.HealthConnect, powered by JiffIf you’re enrolled in a CVS Healthmedical plan, then HealthConnect(powered by Jiff) is your digital hubfor health and wellness information.Get customized health and wellnessinformation anytime, anywhere. UseHealthConnect to take the CVS HealthTobacco-free Pledge to earn incentives.

Financial HealthCVS Health cares about your long-term financial health and offers a suite ofbenefits and programs that allow you to plan for the future with peace of mind.Saving for Your FutureFuture Fund 401(k) PlanYou can contribute up to 85% of youreligible pay on a pretax and/or Rothafter-tax basis pending eligibilityrequirements – employees scheduledto work less than 30 hours are eligibleafter 12 months of service with 1,000hours – up to the annual IRS limit. Youwill be mailed enrollment materialsapproximately 45 days before youreligibility date for Future Fund.*Matching ContributionsAfter one year of service in whichyou work at least 1,000 hours,CVS Health matches 100% of yourcontributions during the plan year,up to 5% of eligible pay, subjectto the annual IRS limit. Employermatch is funded quarterly. Use theFuture Fund Auto-Save feature toincrease your contribution rateautomatically each year to help growyour account over time.Financial Engines Advisors, L.L.C.employment, you can purchaseCVS Health common stockat a discount.enroll in coverage for yourself, youmay also elect coverage for a spouseand child/children.Protecting Your Income**Supplemental AD&D Insuranceand Family AD&D InsuranceYour income protection benefitsbegin the first of the monthfollowing 90 days of continuousfull-time employment.Short-term DisabilityBusiness Travel and Accident PlanCompany-paid short-term disabilitypays 60% of base pay for up to26 weeks. Benefits begin on theeighth consecutive day of disability.Company-paid coverage five timesannual salary is available immediatelyupon hire.Financial SavingsLong-term DisabilityEmployee Discount ProgramColleague-paid long-term disabilitypays 60% of base salary aftersatisfaction of a waiting period.Choose from two options: LimitedDuration coverage (pays benefit forup to 24 months) or Maximum Age 65coverage (pays benefits until age 65).Pre-existing condition limitationsmay apply.As soon as you receive our discountcard, you’ll benefit from:Basic Life and Basic Accidental Deathand Dismemberment (AD&D) CoverageOffers investment advice to helpmanage your Future Fund 401(k)account. You can choose free onlineadvice or professional managementfor a quarterly fee.Company-paid coverage equal toone times annual salary is available.Employee Stock Purchase ProgramColleague-paid coverage up to eighttimes annual salary is available. If youFollowing six months of continuousColleague-paid coverage up to eighttimes annual salary is available forcolleagues and their families.Supplemental Term Life 30% discount on CVS Pharmacy Brands and Exclusive Brands 20% discount on all otherpurchases 20% discount on all CVS.comover-the-counter purchases 2% back in Extra Bucks onall purchasesStudent Loan RefinancingThrough a partnership with DarienRowayton Bank, you can refinanceyour high interest rate student loansto a lower rate, save money andreduce the life of the loan.*Eligible full-time colleagues who are at least 21 years of age can begin contributing with their first paycheck of the month following 90 days of employment.**Minimum and maximum coverage applies to most income protection plans. Proof of good health is required for some plans. Contact your recruiter for additional information.