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2018 Annual EnrollmentNon-Medicare Eligible RetireesJennifer GondorchinNovember 2017

Agenda Annual Enrollment for Non-Medicare Eligible Retirees Medical Plans for Non-Medicare Eligible Retirees The Affordable Care Act Important Points To Remember Benefits Department Contacts Questions & Answers211/6/2017 Jennifer Gondorchin 2018 Annual Enrollment – Non-Medicare Eligible Retirees

2018 Annual Enrollment 3Fermilab’s Annual Enrollment applies only to retirees and dependents who arenot eligible for Medicare.Dependents of retirees enrolled in the OneExchange program may be covered inFermilab’s retiree medical plan if the dependent is not Medicare eligible.The Annual Enrollment period is November 2 to 15.Changes take effect January 1, 2018.If you do nothing your medical plan and coverage tier will remain the same in2018.All Medicare eligible retirees will continue to partner with OneExchange formedical and prescription drug coverage to supplement Medicare.This Annual Enrollment is not applicable to retirees with Medicare.OneExchange communicates directly with Medicare eligible retirees about theircoverage options for 2018.This presentation will not address Medicare’s annual open enrollment orrelated topics. These questions should be directed to OneExchange.11/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

2018 Retiree Medical Change Form 4If you want to make a change to yourmedical plan or coverage level for2018 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, 2018.If you cancel coverage or drop adependent you may not re-enroll.Return the form to the Benefits Officeby Wednesday, November 15, 2017.11/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

2017 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 toOneExchange?The member who is not on Medicare will stay on the current plan while theretiree or spouse moves to OneExchange. 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 2018.511/6/2017 Jennifer Gondorchin 2017 Annual Enrollment - Non-Medicare Eligible Retirees

2018 Retiree Premiums Fermilab continues to subsidize premiums for our retireeswho are not yet eligible for Medicare. No Increases!6Coverage TierBCBS PPOBCBS Blue Advantage HMOSingle 235.48 221.31Retiree & Spouse 475.66 425.84Retiree & Child(ren) 430.22 408.19Family 679.36 633.2511/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

Medical Plans – BCBS – PPO Co-pays, deductibles and out of pocket maximum will remainthe 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 Max11/6/2017 Jennifer Gondorchin 2018 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.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/A11/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

Pharmacy Benefit Manager (PBM) Change in PPO Plan An extensive evaluation of the pharmacy benefitcontract with Blue Cross identified opportunities toimprove services and cost.Currently both plans contract with Prime Therapeuticsto provide pharmacy benefits services.Prime Therapeutics is owned by Blue Cross BlueShield.Following a competitive bidding and evaluationprocess, Express Scripts was chosen as a newpharmacy benefit manager for retirees who areenrolled in the PPO Plan.There will be nochanges toprescription drugcopayments in2018.911/6/2017 The PBM changedoes not apply tothe HMO plan.Prime Therapeuticsremains the PBMfor the HMO in2018.Express Scripts offers Fermilab enhancedservices, broad networks and better prescriptionprices.Because prescription drug costs are expectedto be lower, the laboratory will not increaseretiree costs for PPO coverage in 2018,although other health care costs will rise.WDRS Benefits Office 2018 Open Enrollment

Express Scripts No plan design changes 70,000 pharmacies nationwide A pharmacy and formulary list isavailable at www.expressscripts.com/NATPLSBASIC Express Scripts will not haveemployee specific informationuntil after open enrollment. As a part of the transitionExpress Scripts will receive allcurrent approved priorauthorizations, retail and mailorder drug refill information. Express Scripts will issuepharmacy ID cards midDecember. PPO participants will receive 2 IDcards1011/6/2017Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

Using Your Preventive Care Benefits 11Receiving preventive care services and establishinga relationship with a primary care physician isimportant at all ages.Both medical plans cover preventive care serviceswhen utilizing an in-network provider.Patients who maintain a relationship with a primarycare physician and receive regular preventive caretreatment have fewer emergency rooms visits, fewerhospital stays, and are more likely to lead an activelifestyle as they age.Consider using the following resources to locate aprimary care physician:– Search www.bcbsil.com.– Ask fellow retirees, family and friends for areferral and read the physician’s online reviews.Review the adult wellness guidelines from theAmerican Academy of Family Physicians providedby BCBS of IL.11/6/2017WDRS Benefits Office 2018 Open Enrollment

Go Mobile! Access benefits information via mobile device 12Are 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.11/6/2017Jennifer Gondorchin 2018 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, 2018. 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 2017 will receive a form.1311/6/2017 Jennifer Gondorchin 2018 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 OneExchange program on the first day of the monthafter the first full month that the retiree is eligible for Medicare (age 65).– Example: a retiree turns 65 on 3/28/18. The retiree is eligible for OneExchange on5/1/18. The group coverage through Fermilab ends on 4/30/18.– 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.gov1411/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

2018 Retiree Medical - OneExchange15 All Medicare-eligible retirees and dependents will select an individual medicalplan to supplement Medicare with help from a licensed benefit advisor atOneExchange. 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.11/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

OneExchange – Age-in Process Current and future retirees who are not Medicare eligible now will“age into” the plan. OneExchange sends a letter to the retiree (or spouse) 6 monthsprior to the retiree’s (spouse’s) 65th birthday encouraging theretiree to make a telephone appointment with a Benefit Advisor. OneExchange will send an enrollment guide 3 months prior to 65thbirthday. The retiree is eligible for the OneExchange 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 OneExchange. Example: Mr. Retiree turns 65 on 2/14/18. He is eligible for theOneExchange plan effective 4/1/18. The group coverage throughFermilab ends on 3/31/18.1611/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

Important Points to Remember 2018 retiree medical plan changes can be made from November 2-15. Changes effective January 1, 2018. If you do nothing your medical plan and coverage tier will remain the same in 2018.ID cards will be mailed in mid-December. New BCBS ID cards will be issued for the PPO plan.Express Scripts pharmacy benefit ID cards will issued for the PPO planThe 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 2018 covers only retirees and/or 17dependents who are not Medicare eligible.All Medicare eligible retirees or dependents move to OneExchange afterthey become Medicare eligible11/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees

Benefits Vendor Contacts1811/6/2017 Jennifer Gondorchin 2018 Annual Enrollment - Non-Medicare Eligible Retirees