Oncor Retiree Benefits 2018 ANNUAL ENROLLMENT September 12

Oncor Retiree Benefits 2018 ANNUAL ENROLLMENT September 12, 2017 1

Oncor Retiree Benefits – 2018 Annual Enrollment What this presentation includes: Information about enrollment in benefits and plan design for: - Retirees whose service is 100% assigned to Oncor - Split-Service Retirees - Retirees who have a portion of their service assigned to Oncor and Vistra Energy (Formerly EFH) 2

What is a Split Service Retiree? A retiree who has employment service assigned to both the regulated and nonregulated businesses is referred to as a split service retiree. If you retired before deregulation, when deregulation occurred in 2002, the assignment of benefits to the regulated and competitive affiliates depended on the date of retirement as well as for which business segment you worked. For example, pre-2002 retirees who worked in Business Services or what is now referred to as EFH Corporate Services, had 64. 43% of their service assigned to the regulated business and 35. 57% assigned to the non-regulated business. This process to allocate of service was agreed to by the Public Utility Commission on January 1, 2005. The best way to confirm whether you are a Split Service Retiree is to call the epeople call center 3

Pre-65 Retiree Medical Plan-100% Assigned to Oncor 4

100% Oncor Annual Enrollment begins on 10/16/2017 15 16 18 19 20 21 and ends on 1710/27/2017 22 23 24 25 26 27 Annual enrollment materials will have the Oncor Live Well logo. You will continue to make changes through e. People at 1 -888 -812 -5465, option 0, or log onto www. connect 2 epeople. com/retirees. Access important benefit information and videos on the Oncor retiree website at https: //oncorretirees. a. guidespark. com. 5

100% Oncor - Premium Changes Your monthly contribution amounts will be on your personalized worksheet that will be included in your 2018 annual enrollment materials. You may notice an increase in your medical contributions for 2018 depending on your rate band medical plan option. Dental rates are remaining the same. There is no change to the vision premiums. Life insurance premiums will increase 10%. If you are paying Chard-Snyder with a bank draft, you must contact them to make sure your 2018 contribution amount is correct. Failure to update this amount may cause your account to be in arrears, and may lead to termination of your benefits. 6

Pre 65 100% Oncor Incentives HRA and HSA Options The way you earn your incentives for 2018 has been simplified. • The Healthy Tools Incentive has been removed • Age and Gender Screenings have been removed • The separate $50 Biometric Incentive has been removed • You will continue to have your biometrics done by your primary care physician with your annual physical • The Physician Results Form can be downloaded from https: //oncorretirees. a. guidespark. com or by calling Cover-tek at (817) 3296900 • New timeline and funding schedule 7

100% Oncor Pre-65 Incentive Structure HRA and HSA Options In 2018, Oncor’s Healthy Incentive is a way for you to earn additional incentive dollars if you meet certain healthy targets or complete a health coaching program. Your biometrics will need to be completed by your doctor at the time you have your annual physical. Your doctor will complete the form and fax it to Cover-tek. To download the form go to https: //oncorretirees. a. guidespark. com, or you can contact Cover-tek and request a form. Your health risk factors will be measured by Cover-tek from your biometric results. You can receive a $325 incentive if you have 2 or fewer health risk factors. If you have 3 or more health risk factors, you can complete one of the healthy coaching programs to receive the incentive. 8

Pre-65 100% Oncor - HRA and HSA Incentives For 2018 incentives, annual physicals and biometrics need be completed before December 31, 2017. 9

100% Oncor - 2018 Pre-65 Incentive Design Pre-65 - Incentive Chart 2018 HRA 2018 HSA $0 $0 RET $300 SP $450 EE/CH $650 RET $650 SP $1, 300 EE/CH Age and Gender Screenings N/A Healthy Tools Incentive (Compass and Evive) N/A $325 RET $625 $925 $775 $925 $975 $1, 625 Incentives Biometric Screening (Physician Form Only) Annual Physical Healthy Incentive Total Incentives RET ONLY Total Incentives RET&SP Total Incentives RET&CH Total Incentives FAMILY 10

100% Oncor Pre-65 - What You Need To Do In order to receive your 2018 incentives you need to do the following: • You and your spouse should have an annual physical including getting your biometric screening • Provide the Physician’s Results Form to your doctor and be sure the completed form is faxed to Cover-tek for your biometrics. • Based on your biometric results, you may need to complete a targeted health coaching program (for the retiree only), to receive the incentive. You will need to enroll in one of the two programs offered. Completion of the program must be reported to Evive by December 31, 2017. 11

Pre-65 100% Oncor - Plan Changes A Mandatory Maintenance Choice prescription program will be effective January 1, 2018. All maintenance medications must be purchased at a CVS pharmacy or through the mail order drug program. HRA deductible increase to $1, 250 for individual and $2, 500 per family HRA out-of-pocket maximum increase to $3, 650 for individual and $7, 300 for family Incentives for HRA and HSA options will decrease BCBS will replace Wage Works for HRA administration. No card will be issued for HRA. Balance transfer will occur on April 1, 2018. This is to allow time for claims incurred in 2017 to be filed for reimbursement by Wage Works cards will be turned off effective 1/1/2018. After that date, claims filed for expenses incurred in 2017 must be filed as Pay Me Back claims. Claim forms can be downloaded from Wage Works. 2018 incentives will be credited to your HRA account at BCBS. 12

Pre-65 100% Oncor – HSA Administration Changes Fidelity will replace Wage Works for HSA administration. HSA cards will be issued by Fidelity once you contact them by phone or online to activate your account and request a card If you have an HSA balance and you want to transfer the balance to the new HSA administrator (Fidelity), you will need to log into e. People and accept the transfer of assets in the pop up box. You must also accept the terms and conditions to set up an account with Fidelity. This has be done online during annual enrollment to avoid being charged a transfer of assets fee. . 13

100% Oncor - Scott & White Health Plan Option The Scott & White option is not available to new participants. If you currently participate in this option, you may want to consider the advantage of changing to the Retiree HRA or HSA option. Points to consider are: • Scott & White providers are in the BCBS of TX network • Coverage will be available for both in and out of network providers • You will have an opportunity to earn incentives to fund your HRA or HSA account 14

100% Oncor - What To Do When You Turn 65 Medicare eligibility begins the first of the month in which your 65 th birthday occurs. If your birthday happens to fall on the 1 st day of the month, then your Medicare eligibility will be the first day of the month preceding your birthday month. About 3 months before your Medicare eligibility begins you should receive a notice from Medicare and an age-in letter from e. People regarding your change in medical plans. You should elect Medicare Parts A and B. Do not elect Part D if you plan to enroll in an Oncor Indemnity plan with prescription drug coverage. Call e. People to give them the Health Insurance Claim Number (HICN) as it appears on the card to avoid an unnecessary delay in your prescription drug coverage. If part of your family is not Medicare eligible there will be no change for those covered family members-they will remain in the pre-65 option. 15

100% Oncor - Post-65 Retiree Medical Plan No plan changes for retirees on a Medicare plan. There will be an increase in your monthly contributions which will be included in your enrollment materials. The increase will depend on your rate band, coverage tier, and option. Pay attention to the materials you receive from Silver. Script. Medicare periodically reviews and updates their preferred drug list. 16

100% Oncor - Medicare Eligible Retirees One. Exchange Option As you know, Oncor has partnered with One. Exchange (Extend Health) in order to offer you an extensive menu of plan options from which to choose. The cost of these plans may be less than what you would pay to participate in one of Oncor’s traditional plans. When you enroll in a plan through One. Exchange, they will set up an HRA account and Oncor will fund that account with the same amount it would have subsidized your coverage in a traditional plan. These HRA funds provided by Oncor are primarily intended to help you pay the premium for a plan through One. Exchange. The amount of HRA funding will be on your 2018 Benefit Worksheet included with annual enrollment materials. To find out more, call One. Exchange at 1 -844 -498 -5563 to make an appointment with a licensed benefit advisor to discuss your health care needs and a plan that may fit those needs. If you enroll in one of these plans, you must notify e. People of your election in order to receive your HRA funds. 17

100% Oncor Medicare Eligible Retirees One. Exchange Option Many affordable choices exist. To find out more about what is offered in your area, contact One. Exchange to set up an appointment with one of their benefit advisors. There is no obligation to enroll and no cost to just check it out. The advisor will help you find a plan that fits your needs. You have the flexibility to change plans each year if your circumstances change. 18

100% Oncor Medicare Eligible Retirees. One. Exchange Option All Medicare Plan types are offered: • Medicare Advantage • Medicare Supplement (Medigap) • Medicare Part D prescription plans • Dental & Vision 19

100% Oncor - Retiree Life Insurance Premiums for your retiree optional life insurance will increase by 10% Premium rates are age banded in increments of 5 years. This means when you reach a five year threshold, your premiums will increase Make it a part of your annual enrollment process to verify your beneficiary designations are up-to-date with e. People and Fidelity 20

100% Oncor Pre-65 - Your Online Benefit Resources Ø https: //www. connect 2 epeople. com/retirees Ø HR Toolkit Ø www. connect 2 epeople. com/retirees Ø Click on HR Toolkit Ø Enter user name: EXTARINSOEXT_ONC_RET Ø Enter password: ONC; 3456 Ø https: //oncorretirees. a. guidespark. com Ø On the Go App for your phone Ø Circle of Resources on your phone 24/7 Ø Fidelity Ø www. netbenefits. com 21

Oncor Split Service Retiree Benefits 2018 ANNUAL ENROLLMENT September 12, 2017 22

What is a Split Service Retiree? A retiree who has employment service assigned to both the regulated and nonregulated businesses is referred to as a split service retiree. If you retired before deregulation, when deregulation occurred in 2002, the assignment of benefits to the regulated and competitive affiliates depended on the date of retirement as well as for which business segment you worked. For example, pre-2002 retirees who worked in Business Services or what is now referred to as EFH Corporate Services, had 64. 43% of their service assigned to the regulated business and 35. 57% assigned to the non-regulated business. This process to allocate of service was agreed to by the Public Utility Commission on January 1, 2005. The best way to confirm whether you are a Split Service Retiree is to call the epeople call center 23

Split-Service Retirees - Why the Change? - In July 2017, retirees impacted by this change received a letter that explained due to the separation of Vistra Energy from EFH in 2016, Oncor and Vistra Energy are now unaffiliated companies. - As a result, due to regulations regarding how benefits can be provided, Oncor will now offer retiree welfare benefits under a new fully insured plan for retirees whose employment service is assigned to both Oncor and Vistra Energy (formerly EFH). - Oncor has selected Blue Cross and Blue Shield of Texas (BCBSTX) to provide retiree medical, prescription drug and dental coverage for this group of retirees. - The plan will also offer life insurance and vision coverage to eligible retirees and their dependents. - Mercer Retirement Services will provide both Open Enrollment and ongoing administration for this plan. Please Note: This change has no effect on your pension benefit you receive from Fidelity. 24

Split-Service - Mercer Retirement Services will replace e. People for your annual enrollment as well as the ongoing administration. Mercer Retirement Services will replace e. People and Chard. Snyder for the split service retiree population only. Beginning January 1, 2018 you will no longer send your monthly benefit contributions to Chard-Snyder. Instead, you will send your payment to Mercer, either by paper check or auto-draft from your account. Instructions will be included in your open enrollment materials. Payments are due on the first of the month. Mercer Call Center number is 1 -855 -290 -6493 and will be activated when annual enrollment begins. You can call BCBS at 1 -844 -614 -3399 if you have benefits questions. Note: Mercer Retirement Service has not yet activated this line for the split service retirees. It will be activated by the time annual enrollment begins. 25

Split Service Retirees - Annual Enrollment Process Annual Enrollment is targeted to begin on 10/17/2017 and end on 11/3/2017. BCBS will send pre-enrollment materials on 10/10/2017 2018 annual enrollment materials will be sent by Mercer Retirement Services, and will include plan summaries and costs. You will be placed in the plan most like the current plan you have, however, you can change plans during the annual enrollment period. If you currently have auto-draft set up with Chard-Snyder, it’s up to you to cancel it effective January 1, 2018. 26

Split-Service – Pre-65 Retirees Overview of 2018 Changes • BCBS of Texas will offer HCA (HRA) and HSA options medical options including prescription drug coverage to the non-Medicare eligible retirees. • Prime Therapeutics will replace CVS/Caremark for prescriptions • BCBS will replace Wage Works in the administration of HRA and HSA accounts. Your account will remain with HSA Bank just as it is now and you will get a new card. • Interactive Health will replace Cover-tek in determining your risk factors from your biometric results beginning January 2018 • Standalone Dental and Vision benefits will be offered to participants in the HCA (HRA) and HSA options. • BCBS Dental • Dearborn Vision, a subsidiary of BCBS • You will receive new ID cards • Increase in monthly contributions • Scott & White will not be offered in 2018 27

Split-Service – Pre-65 Retirees Medical Options Comparison MEDICAL • HSA Option • No change in deductible and out-pocket maximum in the HSA plan in 2018. • Value generic prescription change from $5. 00 copay to 20% coinsurance • HRA Option • Increase in the HRA deductible and out-of-pocket maximum in 2018. Current plan deductible will increase from $1, 000 to $1, 250 in 2018. The out-of-pocket maximum will increase from $3, 000 to $3, 650 DENTAL Choice of two dental options with benefit levels that mirror the current Dental A and B options, with the exception of the $250 that will not be added to the annual maximum for having at least one cleaning per year. 28

Split Service - HRA and HSA Incentive Schedule 29

Split-Service - 2018 Pre-65 Incentive Design Pre-65 - Incentive Chart 2018 HRA 2018 HSA $0 $0 RET $300 SP $450 EE/CH $650 RET $650 SP $1, 300 EE/CH Age and Gender Screenings N/A Healthy Tools Incentive (Compass and Evive) N/A $325 RET $625 $925 $775 $925 $975 $1, 625 Incentives Biometric Screening (Physician Form Only) Annual Physical Healthy Incentive Total Incentives RET ONLY Total Incentives RET&SP Total Incentives RET&CH Total Incentives FAMILY 30

Split-Service - What You Need To Do In order to receive your 2018 incentives you need to do the following: • You and your spouse should have an annual physicals and have your biometric screening completed at the same time • Provide the Physician's Results form to your doctor and be sure the completed form is faxed to Cover-tek • Based on your biometric results, you may need to complete a targeted health coaching program (for the retiree only), to received the incentive. You will need to enroll in one of the two programs offered. Completion of the program must be reported to Evive by December 31, 2017. 31

Split-Service - What Happens When I Turn 65? Medicare eligibility begins the first of the month in which your 65 th birthday occurs. If your birthday happens to fall on the 1 st day of the month, then your Medicare eligibility will be the first day of the month preceding your birthday month. About 3 months before your Medicare eligibility begins you should receive a notice from Medicare and an age-in letter from Mercer Retirement Services regarding your change in medical plans. 32

Split-Service – Post 65 Retirees Overview of 2018 Changes • BCBS of Texas will offer two Medicare Advantage from which to choose • Dental and Vision benefits are included in the Medicare Advantage options • Prime Therapeutics will replace Silver. Script for prescriptions • Lower monthly contributions • You will receive new ID cards • One. Exchange cannot be offered to split service retirees. You have until 7/1/2018 to file claims incurred prior to 2018. 33

Split-Service - Post 65 Retirees Medical Options Comparison The Medicare Advantage options have lower combined deductibles than the current medical options. The Medicare Advantage Plans do not have prescription deductibles. The current Indemnity w/Rx and Indemnity w/Legacy Rx have separate prescription deductibles. No change in the out-of-pocket maximums for medical expenses (excluding prescription drugs). You will have one ID card to use for both medical and prescriptions. Claim filing made easier 34

Split-Service - Medicare Advantage News No Network Requirements When you enroll in one of the Blue Cross Medicare Advantage (PPO)SM health plans offered, you will have a custom health plan that does not require the use of a network provider for coverage. Rewards and Incentives Program The Rewards and Incentives Program gives Blue Cross Medicare Advantage members a healthy and easy way to earn up to $100 in gift cards from national and local retailers. You receive a gift card of your choice for completing Healthy Actions throughout the year. Silver. Sneakers Silver Sneakers a free fitness program for participants 65+ provided by BCBS of Texas. True Hearing exams and hearing aid purchase program with an average savings of $980 per hearing aid compared to national average prices. 35

Resources Mercer Retirement Services (855) 290 -6493 BCBS of TX Pre 65 (877) 213 -6898 Post 65 (844) 614 -3399 for annual enrollment questions Post 65 (877) 299 -1008 after annual enrollment Dearborn Vision (844) 323 -8302 36

Your Retiree Company Discount Programs As an Oncor retiree, you are eligible for certain discounts and company perk programs. Retirees are eligible for the Blue Cross Blue Shield gym membership discount program. Log onto to https: //bcbstx. com and select Fitness Program from the Quick Links menu on the left for assistance in locating a participating fitness centers near you. There also company discount programs offered to Oncor retirees: • Ford Motor Company new vehicle purchase, go to https: //www. fordpartner. com/index. asp, enter Oncor’s Fleet ID number (FIN) UH 060 • Texas Ranger Tickets, http: //texas. rangers. mlb. com/ticketing/index. jsp? c_id=tex use password ONCOR 17 • Six Flags, go to https: //www. sixflags. com/partnerlogin , username ONCOROT, password, Six. Flags 9 • Dallas Mavericks tickets (for Oct. Nov. & Dec games) Discounts do not apply for play-off tickets • Dallas Stars tickets, www. dallasstars. com/oncor, For more information about the company discount programs, go to www. connect 2 e. People. com/retirees and select the HR Toolkit link. 37

Split Service Pre-65 Retiree Benefit Information Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

Medical & Pharmacy HRA Plan Benefit Information – Pre- 65 Split Service Retirees Summary of Medical Plan Provisions Deductible Out-of-Pocket Maximum In-Network Out-of- Network $1, 250 Individual/$2, 500 Family $3, 650 Individual/$7, 300 Family $2, 500 Individual/$5, 000 Family $6, 000 Individual/$12, 000 Family In-patient Hospital Expenses 80% of allowable amount after deductible 60% of allowable amount after deductible Medical/Surgical Expenses 80% of allowable amount after deductible 60% of allowable amount after deductible Preventive Care 100% of Allowable Amount Emergency Room 80% of allowable amount after deductible 100% of Allowable Amount 60% of allowable amount after deductible (80% if true emergency determined by BCBS). Summary of Prescription Plan Provisions Participating Pharmacy Separate Deductible $200 Individual/$400 Family Retail Pharmacy Mail Order Program Generic - $10 copay Formulary Brand – 30% Coinsurance, $100 maximum Non -formulary Brand - 40% Coinsurance, $120 maximum Generic - $20 copay Formulary Brand – 30% Coinsurance, $200 maximum Non -formulary Brand - 40% Coinsurance, $240 maximum Non -Participating Pharmacy Member pays upfront and files claim Same as Participating Pharmacy after Member files claim. 3939

Medical & Pharmacy HSA Plan Benefit Information Pre- 65 Split Service Retirees Summary of Medical Plan Provisions In-Network Out-of- Network Deductible (applies to both medical and pharmacy) $1, 800 Individual/$3, 600 Family $3, 600 Individual/$7, 200 Family Out-of-Pocket Maximum $4, 800 Individual/$9, 600 Family $9, 600 Individual/$19, 200 Family In-patient Hospital Expenses 80% of allowable amount after deductible 60% of allowable amount after deductible Medical/Surgical Expenses 80% of allowable amount after deductible 60% of allowable amount after deductible Preventive Care 100% of Allowable Amount Emergency Room 80% of allowable amount after deductible 60% of allowable amount after deductible (80% if true emergency determined by BCBS) Summary of Prescription Plan Provisions Participating Pharmacy Non -Participating Pharmacy Member pays upfront and files claim Retail Pharmacy 80% after deductible Mail Order Program 80% after deductible Same as Participating Pharmacy after Member files claim. 4040

Incentive Information – Pre-65 Split Service Retirees Incentive Opportunities 2018 Challenge HRA Comprehensive Wellness Exam* Retiree Only: $300 Retiree+ SP: $300+$300 Retiree+ Children: $450 Family: $300+$300 Healthy Incentive Total Possible Medical Option Incentives $325 EE Only: $625 EE+SP: $925 EE+ Children: $775 Family: $925 Challenge HSA Retiree Only: $650 Retiree+ SP: $650+$650 Retiree+ Children: $1, 500 Family: $650+$650 $325 EE Only: $975 EE+SP: $1, 625 EE+ Children: $1, 625 Family: $1, 625 * Incentives Processed by Interactive Health 4141

Dental Benefit Information - Pre-65 Split Service Retirees Plan Features Plan A (Enhanced) Plan B (Comprehensive) Annual Maximum $2, 000 $1, 000 Annual Deductible $25 Individual $75 Family Aggregate $50 $150 Family Aggregate 26 26 Diagnostic Evaluations 100% Preventative Services 100% Diagnostic Radiographs 100% Miscellaneous Preventative Services 100% Basic Restorative Services 80% 60% Surgical Periodontal Services 80% 60% Oral Surgery Services 50% Major Restorative Services 50% Prosthodontic Services 50% Miscellaneous Restorative & Prosthodontic Services 50% Orthodontics (Deductible waived) Coverage for adults and dependents to age 26 50% $2, 000 LTM per member 50% $1, 000 LTM per member Dependent Age Limit Annual Deductible Does Not Apply to the Following: Annual Deductible Applies to the Following: 4242

Vision Benefit Information - Pre-65 Split Service Retirees 4343

Agenda • Introductions Post 65 Retiree Solutions • Medicare Background and Overview o • Medicare Experience and Partner Overview Value Proposition & The Retiree Experience o Alignment with ONCOR Energy's Strategic Objectives o Customer Service and Claims Processing o Oncor Medicare Eligible • Custom Plan Designs, Pricing and Value added Benefits Split Service Retiree • Care Management Plan Information • Implementation Overview & Retiree Experience Retiree Administration and Network o Enrollment Employee Engagement and Communication Pre-65 Retiree Solutions o ADD Slides here • Why Blue Cross and Blue Shield of Texas? • Questions September 2017 Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association 44

Agenda - Medicare Eligible Split Service Retiree • What is a Medicare Advantage Plan? • How do I access care? • What are the New Plan Offerings? • Your Custom Plan Features & Extra Benefits • How do I enroll? • Post Enrollment – Now What? • Questions 4545

Medicare Eligible Split Service Retirees What is a Medicare Advantage Plan Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

What is Medicare Advantage? Medicare Eligible Split Service Retirees Part A Hospitalization Insurance CMS (Medicare) Part B Risk Transfer Medical Insurance Private Insurance Company (enhanced benefits) Medicare Advantage Plan Click to edit Master text styles

What is a Medicare Advantage Plan? Medicare Eligible Split Service Retirees • A Medicare Advantage Plan (Part C or MA Plan) is a private health insurance plan that provides all of the benefits of Original Medicare (Parts A & B) • Your MA plan includes prescription drug coverage (Part D) and are referred to as Medicare Advantage Prescription Drug plans (MAPD) • Think of MAPD as your “all-in-one plan”, covering all your hospital and medical insurance and prescription drugs • Retirees must be enrolled in Part A and Part B & continue to pay Part B premiums Click to edit Master text styles

Part B Premiums? Medicare Eligible Split Service Retirees • The 2017 Average Monthly Premium is $134. 00 mn. • (or higher depending on your income). However, most people who get Social Security benefits pay less than this amount. This is because the Part B premium increased more than the cost-ofliving increase for 2017 Social Security benefits. If you pay your Part B premium through your monthly Social Security benefit, you’ll pay less ($109 on average). • Your Part B premium can vary depending on what you earned and how you filed: 1. Filed Individual and earned above $85, 000 to $107, 000 or filed jointly and earned above $170 K to $214 K you pay $187. 50 per mn. 2. Filed Individually and earned above $107 k to $160 k, or filed Jointly and earned above $214 k to $230 K you pay $267. 90 per mn. Click to Master text styles • edit Your modified adjusted gross income as reported on your IRS tax return from 2 years ago

How do I Access Care? Medicare Eligible Split Service Retirees • You can go to one of our National Network of Providers OR • You can go to Any provider who accepts Medicare – That provider simple needs to agree to treat you and bill BCBS • You pay the same copay/coinsurance regardless of which providers you use. • What if I go a provider who does not accept Medicare? • You can still go to that provider, you will need to pay for services, then submit a claim to BCBS. You may be responsible for charges that BCBS does not pay. We always encourage and recommend you access care from a Medicare provider. 50

Medicare Eligible Split Service Retirees Sample Provider Letter (included in your post enrollment materials) Dear Member, You are enrolled in the Blue Cross Medicare Advantage (PPO)SM health plan sponsored by Oncor. This health plan is a custom plan that does not require the use of a network provider for coverage. Your benefit levels are the same whether or not you use a network provider. You may seek care from any providers nationwide that accept Medicare. Although the Blue Cross and Blue Shield of Texas (BCBSTX) enrollment materials state that your benefits will be different if you do not use a BCBSTX network provider or that the plan has a limited service area, you are not required to utilize a BCBSTX network provider to receive coverage under your plan. All Medicare Advantage plans are regulated by the Centers for Medicare and Medicaid Services (CMS) and CMS requires that certain language be included in all Medicare Advantage documents. Unfortunately some of this language can be confusing, misleading and in some cases contradictory to your actual plan benefits. If you have any questions, please call Member Services at 1 -877 -299 -1008. Please give your medical provider a copy of this letter. The information below will help them understand your benefits. IMPORTANT MEDICAL PROVIDER INFORMATION: Dear Provider. Under this plan, you do not need to be a Blue Cross Medicare Advantage (PPO) contracting provider to see and treat this member. Members can see any willing provider as long as the provider accepts payment from Medicare. The member’s coverage level is the same whether or not the provider is in the network for Blue Cross Medicare Advantage (PPO). At a minimum, eligible claims will be reimbursed at the Medicare Allowed Amount. Please submit claims to Blue Cross and Blue Shield of Texas. For questions regarding claims submission or payment, call 1 -877 -299 -1008. We are open 8: 00 a. m. – 8: 00 p. m. , local time, 7 days a week. If you are calling from February 15 through September 30, alternate technologies (for example, voicemail) will be used on weekends and holidays. 51

Medicare Eligible Split Service Retirees Your Custom MAPD (Medicare Advantage Prescription Drug) Health Plans Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

Medicare Eligible Split Service Retirees Features of your Custom Medicare Plans • See Network Providers – or, see any provider who accepts Medicare, agrees to treat you and bill BCBS • Low or no out of pocket costs for many benefits • Plans offer the “extras” such as hearing aids, vision etc. • Rx coverage is included in your plan • You must use the name that is on your Medicare card 53 53

Medicare Eligible Split Service Retirees Oncor Retiree Custom Plan Designs MAPD 3000 MAPD 1000 $200 $100 $3, 000 $1, 000 PCP Co-Pay $10 copay $20 copay Specialist Co-Pay $20 copay $30 copay $125/day (days 1 -7) then covered at 100% Lab Services $15 copay 20% coinsurance Diagnostic Radiology/Xray $15 copay 20% coinsurance Advanced (MRI, CT, PET) $200 copay 20% coinsurance Emergency $75 copay Urgent Care $50 copay Deductible Max Out-of-Pocket Inpatient *Deductible does not apply unless there is a coinsurance *Copays count toward the out-of-pocket maximum 5454

Medicare Eligible Split Service Retirees Custom RX Plan Included with MAPD 1000 Rx Plan with Full Gap Coverage Rx Plan Copay using Preferred Providers Rx Plan Copay using Standard Providers $0 $0 $0 copay $5 copay Non-Preferred Generic $0 copay $5 copay Preferred Brand $10 copay $20 copay Non-Preferred Brand $30 copay $40 copay 33% ($250 max. ) up to $3, 750 then 24% ($250 max) TROOP of $5, 000 Then copay of 5% or $3. 35 generic or $8. 35 brand others TROOP of $5000 Then copay of 5% or $3. 35 generic or $8. 35 brand others Deductible Preferred Generic Specialty Rx TROOP Max (Amt is determined by CMS) 55

Medicare Eligible Split Service Retirees Custom RX Plan Included with MAPD 3000 Rx Plan with Full Gap Coverage Rx Plan Copay using Preferred Providers Rx Plan Copay using Standard Providers $0 $0 $0 copay $5 copay Non-Preferred Generic $0 copay $10 copay Preferred Brand $42 copay $47 copay Non-Preferred Brand $90 copay $95 copay 33% ($200 max) up to $3, 750 then 24% ($200 max) up to $5, 000 33% ($400 max) up to $3, 750 then 24% ($200 max) up to $5, 000 TROOP of $5, 000 Then copay of 5% or $3. 35 generic or $8. 35 brand and others Deductible Preferred Generic Specialty Rx TROOP Max (Amt is determined by CMS) 56

Medicare Eligible Split Service Retirees Group Prescription Drug Tiers Tier 1 Preferred Generics • Oral generics in the protected classes of antineoplastic, antiretroviral, antipsychotics, antidepressants, anticonvulsants, and adherence classes of antihypertensive, lipid lowering agents, and antidiabetes agents. Tier 2 Non-preferred Generics • Remaining generics and injectable generics such as cancer treatments for antineoplastic and high blood pressure treatments for antihypertensive. Tier 3 Preferred Brand • HCSC has negotiated with the manufacturers of certain drugs to provide members with greater discounts. Preferred Brand drugs are offered with lower copay than brand drugs because of these negotiated prices. Tier 4 Non-preferred Brand • Medications marketed under a specific trade name by a pharmaceutical manufacturer. Tier 5 Specialty • High-cost medications such as injectable antibiotics, biological agents, and chemotherapeutic agents. These drugs are generally given through an infusion. 57

Medicare Eligible Split Service Retirees Pharmacies Preferred Pharmacies Standard Pharmacies CVS Sam’s Club Brookshire Grocery Costco Kroger Minyard Q Pharmacy Super 1 Pharmacy Target Tom Thumb United Supermarket Pharmacies • Access. Health Network* *Access. Health are Independent Pharmacies, across Texas 58

Medicare Eligible Split Service Retirees Value Added Benefits Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

Medicare Eligible Split Service Retirees Value Added Benefits that are part of your plan! Vision - Routine eye exam ($10 copay) $150 hardware or Contacts every 2 years Dental- Routine and Comprehensive • • Coverage for 2 exams and 2 cleanings annually, 1 x-ray (annually) Fillings, Bridges, Dentures paid at 100% up to $1, 000 annually Annual Physical Exam • The routine physical exam is a comprehensive preventive medicine evaluation and management of an individual including an age and gender appropriate history, hands on examination– $0 copay) Hearing - $1, 000 hearing aid allowance every 3 years Wellness Incentive - Maximum annual rewards of $100 in gift cards for staying healthy Network - PPO Passive Plan allows member access coast to coast OTC – Members receive preloaded card ($20 per mn) to spend on over the counter items Silver. Sneakers - Access to more than 11, 000 fitness locations 60

Medicare Eligible Split Service Retirees Post Enrollment Communications Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

Medicare Eligible Split Service Retirees Custom Plan Welcome Kit: PREENROLLMENT POSTENROLLMENT For custom plan groups, the Evidence of. Kit Coverage and Evidence of Coverage Benefit Insert will be developed to the PRE-ENROLLMENT: Enrollment Materials custom plan benefits of the employer group. Kits will be mailed out after Medicare verifies your information Welcome Kit Materials MAPD Evidence of Coverage Insert Employer Group Specific Plan Star Rating Pharmacy/ Provider Directory Notice Standard by Plan The materials above will be developed to include group specific information Formulary Multi. Language Insert Welcome Kit Letter Tru. Hearin g Flyer Standard by Product Standard by State/Produc t Silver Sneakers / Silver & Fit Flyer Outside Envelope Standard by State Additional Materials Additional materials that will be additions to either Enrollment Kit and/or Welcome Kit. Rewards and Incentives Trifold OTC Benefit Flyer Tru. Hearin g Flyer Silver Sneakers / Silver & Fit Flyer

Medicare Eligible Split Service Retirees Other Post Enrollment Outreach • Every retiree will be sent a Health Insurance Survey to help identify any special health needs and conditions, e. g. diabetes, heart conditions, etc. • Those who identified with health conditions will receive mailings on programs and services available to help manage their conditions. 63

Medicare Eligible Split Service Retirees Sample I. D card 64

Medicare Eligible Split Service Retirees Closing Remarks Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

Questions Options and plans described in this communication, as well as other communications materials, are intended only to be summaries of certain provisions of the plans. The plans are governed by formal plan documents and, in the event of a discrepancy, the formal plan documents will prevail. Oncor reserves the right to amend and/or terminate all of its employee benefit plans, in whole or in part, from time to time. 66