2020 RENEWAL OVERVIEW for Rural Resources Community Action

2020 RENEWAL OVERVIEW for Rural Resources Community Action PRESENTED BY LISA SBAI

DISCLAIMER This summary is intended to provide a brief description of 2020 coverage and is not a complete explanation of covered services, exclusions, limitations, reductions or terms under which a program may be continued in force. This summary is not a contract. For full coverage provisions, including a description of waiting periods, limitations and exclusions, please refer to the applicable summary plan documents posted to www. wcif. net. 2020 documents will be posted as they are approved by respective carriers.

MEDICAL Premera Blue Cross • New: Hearing Benefit for 2020 Please note: Only In-Network benefits are shown. Please refer to full benefit summary for out-of-network benefits • New: Total Joint Replacement Bundle § Partnering with 7 Providence Health & Services facilities to leverage bundled rates for Total Joint Replacement procedures, i. e. knee & hip replacement § Includes travel benefit and enhanced care coordination. § PPO plans = cost shares waived • Network: Heritage Plus • For a list of Providers, please see the provider directory located at www. Premera. com • Premera Customer Service: (877) 500 -9247

MEDICAL Kaiser Permanente Washington • New: Hearing Benefit for 2020 Please note: Only In-Network benefits are shown. Please refer to full benefit summary for out-of-network benefits • Network: Access PPO • For a list of Providers, please see the provider directory located at wa. kaiserpermanente. org • Kaiser Permanente Customer Service: (888) 901 -4636

MEDICAL Waiver of Coverage Active employer group medical coverage can only be waived if you have other group coverage. • Group coverage can be: § Another employer plan § Coverage through a spouse/domestic partner’s employer plan § Government health plan • Tricare • VA (with ACA letter) • Medicaid (Washington Apple Health) • Health. Plan. Finder (State marketplace plan) • Medicare* *If an employee waives active group coverage through the employer in favor of Medicare, Medicare Secondary Payer rules prohibit the employer from providing any incentive to waive active coverage. This includes HRA contributions and premium reimbursement for Medicare Supplement plans.

WELLNESS PROGRAM Live Well at WCIF

VOLUNTARY DENTAL Willamette Dental Group Plan Changes: • Travel Reimbursement discontinued effective 12/31/19 For a list of providers, please see the provider directory located at willamettedental. com Customer Service: (855) 433 -6825

VISION Vision Service Plan Changes: • None WCIF plan utilizes the Choice Network For a list of providers, please see the provider directory located at vsp. com Customer Service: (800) 877 -7195 Please note: Only In. Network benefits are shown. Please refer to full benefit summary for out-of-network benefits

EMPLOYEE ASSITANCE PROGRAM First Choice Health EAP Member Services COUNSELING SESSIONS WORK LIFE RESOURCES CRISIS SUPPORT • 1 -6 Sessions • Individual, Couples, or Family • Parenting • Grief & Loss • Change & Life Transitions • Depression • Anxiety • Domestic Violence • Alcohol & Drug • And More • Tele. Health • Legal Assistance • Financial Resources • ID Theft • Childcare Resources • Eldercare Resources • Home Ownership Program • 24/7 Telephonic Support with EAP Provider ASSESSMENT PROCESS CONFIDENTIALITY WHO IS COVERED? • Employees • Household Members • Children up to the age of 26 • Contacts with EAP Confidential • Exceptions to Confidentiality: o Intent to harm self/others o Child abuse o Elder abuse • 24 Hour Humber/Online Request • Greeted by CSR • Describe Problem • Preferences • Provider Calls within 24 -48 Business Hours • Satisfaction Survey

EMPLOYEE ASSITANCE PROGRAM First Choice Health EAP Telehealth Benefits Convenient, private virtual therapy. Anytime, Anywhere. Talk with a licensed, professional therapist online to get advice, guidance, and counseling for depression, anxiety, relationships, self-esteem, stress, grief, eating disorders and more.

EMPLOYEE ASSITANCE PROGRAM First Choice Health EAP

LIFE / ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) The Standard Your employer provides you with a Basic Life/AD&D Plan that provides a flat $12, 000 benefit. This helps serve as a financial safety net. In addition, a Travel Assistance Benefit through Generali Global Assistance is provided as well as a Life Services Toolkit through Morneau Shepell.

VOLUNTARY LIFE The Standard Within the coverage amount guidelines shown below, you select the amount of Voluntary Life and Dependents Voluntary Life insurance for which you are interested in applying. *The Guarantee Issue amount only applies during the initial 31 -day eligibility period Amounts of coverage elected above the Guarantee Issue amount or after the initial eligibility period are subject to medical underwriting approval.

VOLUNTARY LIFE The Standard • The coverage amount for your spouse cannot exceed 100% of your Voluntary Life coverage. • The coverage amount for your child(ren) cannot exceed $10, 000. • Under this plan, your coverage amount reduces based on your age as follows: by 35% at age 70, 55% at age 75 and by 70% at age 80. Your spouse’s coverage amount terminates the date your spouse reaches age 70. Please see the Voluntary Life Benefit Booklet for benefit details and rates.

VOLUNTARY AD&D The Standard If you elect coverage for yourself, you may also elect coverage for your spouse/domestic partner and dependent children. May elect Minimum Benefit Maximum Benefit Employee Multiples of $25, 000 $500, 000 or 10 X Annual Earnings whichever is less Spouse/ Domestic Partner Multiples of $25, 000 50% or 100% of employee amount Child(ren) N/A 10% of employee amount not to exceed $30, 000 Please see the Voluntary AD&D Benefit Booklet for benefit details and rates.

LONG TERM DISABILITY The Standard Please note, guarantee issue coverage for the Buy-Up LTD Plan only applies during the initial eligibility period so it is critical that you complete the enrollment form and submit it to Human Resources. Guarantee issue coverage only applies during the initial 31 -day eligibility period *Disability reduced by deductible income. Please see the Buy-Up LTD Benefit Booklet for benefit details & rates.

WORKSITE PRODUCTS Met. Life WCIF partnered with Metropolitan Life Insurance Company (Met. Life) to provide employees with three types of voluntary insurance products — Accident, Hospital Indemnity, and Critical Illness. These products are priced on a group basis and the policies are guarantee issue 1 which means that no medical underwriting is required in order to obtain the benefit. Premiums are conveniently paid through your employer via payroll deduction on an after-tax basis. Guarantee issue: All products are guarantee issue Claims payment: Benefits pay directly to the employee 1 Coverage is guaranteed provided: (1) the employee is actively at work, and (2) dependents to be coverage are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. . Some states require the insured to have medical coverage. Additional restrictions apply to dependents servicing in the armed forces or living overseas.

ACCIDENT INSURANCE Met. Life Key Features • Perpetual Guaranteed issue coverage 1 • • Two plan options: High/Low Industry leading over 150 covered events Coverage for employees and dependents Same level of coverage for all 2 Met. Life Accident Insurance Pays Benefits Directly to Employee 1 Coverage is guaranteed provided: (1) the employee is actively at work, and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or overseas. 2 Exception is Accidental Death and Dismemberment Coverage

ACCIDENT INSURANCE Met. Life Accident Insurance Plan Highlights You have a choice of two plans: Low Plan and High Plan Covered Conditions Low Plan Met. Life Accident Insurance Pays You High Plan Met. Life Accident Insurance Pays You Injuries 12 covered injury types Ranging from $25 – $5, 000 per injury Ranging from $50 – $10, 000 per injury Medical Services & Treatment 15 covered medical services & treatments Ranging from $15 – $1, 000 per medical service/treatment Ranging from $25 – $2, 000 per medical service/treatment Admission – $500 per accident ICU Supplemental Admission – $500 per accident Admission – $1, 000 per accident ICU Supplemental Admission – $1, 000 per accident Confinement – $100 a day, up to 31 days ICU Supplemental Confinement – $100 a day, up to 31 days Confinement – $200 a day, up to 31 days ICU Supplemental Confinement – $200 a day, up to 31 days Hospital Coverage 1 (due to an Accident) 1 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See Met. Life’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

ACCIDENT INSURANCE Met. Life Accident Insurance Plan Highlights You have a choice of two plans: Low Plan and High Plan Covered Conditions Low Plan Met. Life Accident Insurance Pays You High Plan Met. Life Accident Insurance Pays You Accidental Death $25, 000 $75, 000 if passenger on common carrier 2 $50, 000 $150, 000 if passenger on common carrier 2 Dismemberment, Loss & Paralysis $250 – $10, 000 per injury $500 – $50, 000 per injury Additional Benefits Lodging 1 $100 per night, up to 30 nights $200 per night, up to 30 nights 1 The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from the insured’s primary residence. 2 Common Carrier refers to airplanes, trains, buses, trolleys, subways and boats. Certain conditions apply. See your Disclosure Statement or Outline of Coverage/Disclosure Document for specific details. Be sure to review other information contained in this booklet for more details about plan benefits, monthly rates and other terms and conditions.

ACCIDENT INSURANCE Met. Life How it Works EXAMPLE Care Received After Injury Ambulance (ground) $300 Emergency Care $100 Physician Follow-Up Kathy’s daughter suffers a concussion during a soccer game against the team’s biggest rival Benefits Paid $150 ($75 x 2) Medical Testing $200 Concussion $400 Broken Tooth (repaired by crown) $200 Total Benefit – Accident Insurance Benefit amount is based on a sample plan design. Actual plan design and plan benefits may vary. $1, 350

HOSPITAL INDEMNITY Met. Life Key Features • Perpetual Guaranteed issue coverage 1 No Evidence of Insurability (EOI) or Statement of Health (SOH) needed ever! • Two plan options: High/Low • 24 -hour coverage for Accident or Sickness • No waiting period for Hospital Admission or Confinement Benefit • No pre-existing condition limitations • Complications of pregnancy and emergency Cesarean section are covered • Routine childbirth is covered • No elimination period for routine childbirth Met. Life Hospital Indemnity Pays Benefits Directly to Employee 1 Coverage is guaranteed provided: (1) the employee is actively at work, and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or overseas.

HOSPITAL INDEMNITY Met. Life Accident Insurance Plan Highlights You have a choice of two plans: Low Plan and High Plan Covered Conditions 1 Low Plan Met. Life Hospital Indemnity Pays You High Plan Met. Life Hospital Indemnity Pays You Admission – $500 1 time per calendar year ICU Supplemental Admission – $500 1 time per calendar year Admission – $1, 000 1 time per calendar year ICU Supplemental Admission – $1, 000 1 time per calendar year Confinement – $100 a day, up to 15 days 3 ICU Supplemental Confinement – $100 a day, up to 15 days Confinement – $200 a day, up to 15 days 3 ICU Supplemental Confinement – $200 a day, up to 15 days Inpatient Rehab $100 per day, up to 15 days per calendar year $200 per day, up to 15 days per calendar year 1 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See the Disclosure Statement or Outline of Coverage/Disclosure Document for more details. 2 There is a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details. 3 When plan includes an Admission benefit, Confinement begins on Day 2.

HOSPITAL INDEMNITY Met. Life How it Works EXAMPLE Care Received due to Sickness Susan experiences chest pains and is rushed to the hospital. Benefits Paid Admission $1, 000 ICU Supplemental Admission $1, 000 Confinement for 2 days $400 ICU Supplemental Confinement for 2 days $400 Total Benefit – Hospital Indemnity Insurance Benefit amount is based on a sample plan design. Actual plan design and plan benefits may vary. $2, 800

CRITICAL ILLNESS Met. Life Key Features • Lump sum benefit paid upon diagnosis verification • Perpetual Guaranteed Issue of $15, 000 or $30, 000: No Evidence of Insurability (EOI) or Statement of Health (SOH) needed ever! • Recurrence benefit 1 of 50% • No waiting periods or age restrictions • No limitations on filing claims for covered conditions • Pre-existing condition exclusion 3/6 (does not include heart attack or stroke) • Portable (continuation of coverage)3 Met. Life Critical Illness Insurance Pays Benefits Directly to Employee 1. There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period. 2. Coverage is guaranteed provided: (1) the employee is actively at work. Additional restrictions apply to dependents serving in the armed forces or overseas. 3. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your Met. Life representative.

CRITICAL ILLNESS Met. Life COVERED CONDITIONS • Full Benefit Cancer 1 • Partial Benefit Cancer 1 • Heart Attack • Stroke 2 • Kidney Failure • Coronary Artery Bypass Graft (CABG)3 • Alzheimer’s Disease 4 • Major Organ Transplant • 22 Listed Conditions 5 1. Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH-sitused cases and NH residents, there is an initial benefit of $100 for All Other Cancer. 2. In certain states, the Covered Condition is Severe Stroke. 3. In NJ sitused cases, the Covered Condition is Coronary Artery Disease. 4. Please review the Outline of Coverage for specific information about Alzheimer’s disease. 5. Met. Life Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions. A Covered Person may only receive one benefit payment of a Listed Condition in his/her lifetime. The Listed Conditions are: Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.

CRITICAL ILLNESS Met. Life 22 ADDITIONAL CONDITIONS 1 • Addison’s disease (adrenal hypofunction) • Amyotrophic lateral sclerosis (Lou Gehrig’s disease) • Cerebrospinal meningitis (bacterial) • Cerebral palsy • Cystic fibrosis • Diphtheria • Encephalitis • Huntington’s disease (Huntington’s chorea) • Legionnaire’s disease • Malaria • Multiple sclerosis (definitive diagnosis) • • • Muscular dystrophy Myasthenia gravis Necrotizing fasciitis Osteomyelitis Poliomyelitis Rabies Sickle cell anemia (excluding sickle cell trait) Systemic lupus erythematosus (SLE) Systemic scleross (scleroderma) Tetanus Tuberculosis 1. Met. Life Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions. A Covered Person may only receive one benefit payment for a Listed Condition in their lifetime.

CRITICAL ILLNESS Met. Life Health Screening Benefit Met. Life provides an annual Health Screening Benefit* for taking one of the eligible screening/prevention measures. This coverage would be in addition to the Total Benefit Amount payable for previously mentioned Covered Conditions. Health Screening Benefit $50 * The Health Screening Benefit is not available in all states. See your certificate for any applicable waiting periods. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT.

CRITICAL ILLNESS Met. Life 45+ ways to get the annual Health Screening Benefit, 1 including: • Annual physical exam • Lipid panel • Blood test to determine total cholesterol • Mammogram • Colonoscopy • Pap smears or thin prep pap test • Electrocardiogram (EKG) • Prostate-specific antigen (PSA) test • Fasting blood glucose test • Serum cholesterol test to determine LDL and HDL levels Plus, spouses and children can use the Health Screening Benefit, too 1. The Health Screening Benefit is not available in all states. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT. Some states may limit the number of health screening tests.

THANK YOU! For additional plan information including Retiree Plans, Consumer Driven Health Plans, and a copy of our privacy policy please contact your Human Resources Department or visit WCIF’s website at www. wcif. net