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2020 Annual EnrollmentNon-Medicare Eligible RetireesJennifer GondorchinNovember 2019

Agenda 2Annual Enrollment for Non-Medicare Eligible RetireesMedical Plans for Non-Medicare Eligible RetireesPPO plan Prescription Drug ChangesThe Affordable Care ActMedicare – Via Benefits Age-in ProcessImportant Points To RememberBenefits Department ContactsQuestions & Answers11/4/2019 Jennifer Gondorchin 2020 Annual Enrollment – Non-Medicare Eligible Retirees

2020 Annual Enrollment 3Fermilab’s Annual Enrollment applies only to retirees and dependents who arenot eligible for Medicare.Dependents of retirees enrolled in the Via Benefits program may be covered inFermilab’s retiree medical plan if the dependent is not Medicare eligible.The Annual Enrollment period is October 31 to November 13.Changes take effect January 1, 2020.If you do nothing your medical plan and coverage tier will remain the same in2020.All Medicare eligible retirees will continue to partner with Via Benefits formedical and prescription drug coverage to supplement Medicare.This Annual Enrollment is not applicable to retirees with Medicare.Via Benefits communicates directly with Medicare eligible retirees about theircoverage options for 2020.This presentation will not address Medicare’s annual open enrollment orrelated topics. These questions should be directed to Via Benefits.11/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

2020 Retiree Medical Change Form 4If you want to make a change to yourmedical plan or coverage level for2020 during this Annual Enrollment,use this form.Select the plan and select thecoverage tier.Enroll the participants in the plan.No new dependents may be added.Newly acquired dependents must beadded within 31 days of the event(i.e., marriage, birth or adoption).Also use this form to cancel coverageeffective January 1, 2020.If you cancel coverage or drop adependent you may not re-enroll.Return the form to the Benefits Officeby Friday, November 13, 2019.11/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

2020 Retiree Medical Plan Enrollment - FAQWhat is Annual Enrollment for retirees?Annual enrollment gives our retirees an opportunity to change medical plansor coverage tiers (i.e., who is covered).What happens if the retiree or spouse is moving to ViaBenefits?The member who is not on Medicare will stay on the current plan while theretiree or spouse moves to Via Benefits. If the remaining participant is notthe retiree, the subscriber will now be the trailing dependent. A new ID cardwill be issued.Do I have to do anything during Annual Enrollment?If you do nothing your medical plan and coverage tier will remain the same in 2020.511/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

2020 Retiree Premiums Fermilab continues to subsidize premiums for our retireeswho are not yet eligible for Medicare. Effective January 1, 2020 retiree contributions will go upoverall 10%. Some coverage tiers and plans are less than10% and some are more than 10%.Coverage Tier6BCBS PPOBCBS Blue Advantage HMOSingle 310.04 238.13Retiree & Spouse 626.29 508.03Retiree & Child(ren) 566.44 439.46Family 894.48 755.4611/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

Medical Plans – BCBS – PPO Co-pays, deductibles and out of pocket maximums willremain the same.No PCP selection or referrals required.Physician office visits covered at 100% after copayment.Includes x-ray and labs provided in doctor’s office during visit.In Network7Out of NetworkCopayments 30 PCP, 40 SpecialistDeductibleIndividualFamily MaxCoinsuranceYou pay 10% afterdeductibleYou pay 20% afterdeductibleOut-of-Pocket MaxIndividualFamily MaxIndividualFamily Max 500 1,500 2,200 6,600IndividualFamily Max11/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees 750 2,250 4,150 12,450

Medical Plans – BCBS – Blue Advantage HMO You must select a Medical Group and Primary Care Physician(PCP).All care must be received within your chosen Medical Group.All non-PCP provided services require a PCP referral.There is no out-of-network coverage except in emergencies.Physician and ER copayments will remain the same.In NetworkPhysicianCopayments 20 PCP, 30 SpecialistER CopaymentN/A 150DeductibleN/AN/ACoinsuranceN/AN/AOut-of-Pocket Max8Out of NetworkIndividualFamily Max 1,500 3,000N/A11/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

90–day supply of maintenance medications available atWalgreens for the PPO and HDHP plans 9Beginning in January 2020, employees enrolled in either the PPO or HDHP plans willpurchase maintenance medications in a 90-day supply through Express Scripts Mail Orderservice or at a Walgreens retail location.Filling a three-month supply of your long-term medication can help you save time, moneyand trips to the pharmacy.Mail order service through Express Scripts remains as an option at the same benefit costlevel.Impacted plan participants will be notified by Express Scripts via letter to the address on file.Plan participants will receive two courtesy fills for the incorrect supply amount or pharmacy(34 days vs. 90 days).Plan participants will receive a letter after each courtesy fill with instructions on the nextsteps.Express Scripts and Walgreens will assist plan participants with converting to a 90-daysupply or the transfer of a prescription to Walgreens.Walgreens has over 8500 locations. Batavia-based employees have access to Walgreensclose to each entrance of the campus.11/4/2019Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

Coming in 2020Livongo– Effective January 1, 2020, the Blue Cross Blue Shield of Illinois (BCBSIL) PPO andHDHP plan participants may purchase diabetes supplies through Livongo at no cost tothe plan participant.– Participants may receive: An advanced blood glucose meter Unlimited strips and lancets Real-time tips and support from certified diabetes educators.– The program will be accessible after January 1.– This program assists those impacted by diabetes with the cost of the meter andsupplies, and provides additional support and tools to help maintain good health.10Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees11/4/2019

Go Mobile! Access benefits information via mobile device 11Are you always on the go?Mobile apps allow you to access the information you need when youneed it.Blue Access mobile allows secure access to healthcare coverageinformation, claims status, provider search and ID cards from yourmobile device.11/4/2019Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

ACA Mandated 1095 Reporting The Affordable Care Act (ACA) requires employers to provide a statement to employees and retirees thatincludes information about the type of healthcare coverage offered to the employees, if any, during the prioryear. This statement is to be filed with the employee’s Federal tax return. Think of the Form 1095 as a type of W2 for the health insurance offered to you during the year. The 1095 forms must be provided to retirees byJanuary 31, 2020. The 1095 form is your proof that you had the required coverage. Retirees that were covered either in theactive employee plan or retiree non-Medicare eligible plan for any portion of 2019 will receive a form.1211/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

Medicare Medicare is a health insurance program mainly for people age 65 or older, or who aredetermined to be disabled by Social Security.The retiree becomes eligible for the Via Benefits program on the first day of the month afterthe first full month that the retiree is eligible for Medicare (age 65).– Example: a retiree turns 65 on 3/28/20. The retiree is eligible for Via Benefits on5/1/20. The group coverage through Fermilab ends on 4/30/20.– You must be enrolled in Medicare to participate in this program.Retirees and their dependents who are eligible for Medicare must enroll in Medicare PartA and Part B timely or they risk gaps in coverage, or denial of coverage.If you are becoming Medicare eligible because you are turning 65, your enrollment periodis the three months before and after your birthday. The enrollment period for those eligiblefor Medicare due to disability is different.There will be a late-enrollment penalty imposed by Medicare if you do not enroll in Part Bduring your designated enrollment period. This penalty is permanent, and is added to allfuture monthly Part B premiums.For more information about Medicare, visit their website at:http://www.medicare.gov1311/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

2020 Retiree Medical – Via Benefits14 All Medicare-eligible retirees and dependents will select an individual medicalplan to supplement Medicare with help from a licensed benefit advisor at ViaBenefits. If a retiree enrolls in a Medigap plan he/she also enrolls in a prescription drug(Part D) plan that fits the retiree’s individual needs at this time. Medicare Advantage plans include prescription drug coverage. Dental and vision insurance policies are also available. Fermilab provides a subsidy of 175/month, per person, funded to a HealthReimbursement Account (HRA) to pay for the chosen plans. The account may be used to pay insurance premiums, Medicare Part Bpremiums and other health care expenses not covered by insurance. If a retiree is Medicare-eligible and his/her spouse is not, the spouse remainsin the current Fermilab PPO or HMO until Medicare-eligible. If the spouse is Medicare eligible, and the retiree is not, the spouse joinsOneExchange. These changes also apply to former employees who are receiving benefits inFermilab’s Long Term Disability Plan who are eligible for Medicare.11/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

Via Benefits – Age-in Process Current and future retirees who are not Medicare eligible now will“age into” the plan. Via Benefits sends a letter to the retiree (or spouse) 6 months priorto the retiree’s (spouse’s) 65th birthday encouraging the retiree tomake a telephone appointment with a Benefit Advisor. Via Benefits will send an enrollment guide 3 months prior to 65thbirthday. The retiree is eligible for the Via Benefits program the first day ofthe month following a full month after he/she turn 65. This allows enough time to enroll in Medicare and select a planthrough Via Benefits. Example: Mr. Retiree turns 65 on 2/14/20. He is eligible for theVia Benefits plan effective 4/1/20. The group coverage throughFermilab ends on 3/31/20.1511/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

Important Points to Remember 2019 retiree medical plan changes can be made from October 31- November 13.Changes effective January 1, 2020.If you do nothing your medical plan and coverage tier will remain thesame in 2020.ID cards will be mailed in mid-December. New BCBS ID cards will be issued for the PPO plan.The ID card for the PPO plan will show only the retiree’s name.You can order extra cards by calling Blue Cross Blue Shield or ExpressScripts. Fermilab’s retiree medical plan in 2020 covers only retirees and/or 16dependents who are not Medicare eligible.All Medicare eligible retirees or dependents move to Via Benefits afterthey become Medicare eligible11/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees

Benefits Vendor Contacts1711/4/2019 Jennifer Gondorchin 2020 Annual Enrollment - Non-Medicare Eligible Retirees