2019 OPEN ENROLLMENT · Introducing Mango Health Remembering to take your medications and staying on top of your health care needs can be difficult, but Mango Health can help. Mango

Easy-to-read announcements and step-by-step instructions for enrolling in your Inframark employee benefits.

Important BenefitsInformation for:Jane Doe

Action RequiredOpen Enrollment Is November 12–30, 2018

2019 OPEN ENROLLMENT

Employee Benefits Service Center1200 Abington Executive ParkClarks Summit, PA 18411myinframarkbenefits.com

For technical assistance, call 1.800.307.0230.

To enroll and learn more about your benefit options, go to myinframarkbenefits.com.

For technical assistance enrolling in your Inframark benefits, contact the Employee Benefits Service Center at 1-800-307-0230.

To sign up for employee benefits messages, text INFMK to 90407.

Discover your lowest-cost medical insurance option (and more) with ALEX at myinframarkbenefits.com.

Get personalized benefits assistance and recommendations 24/7 at 1-855-424-6400.

TABLE OF CONTENTSContent Page Read it if you want to….

What's New 2 Get a quick overview of the benefits changes for 2019.

Eligibility & Enrollment 4 Check benefits eligibility requirements and review instructions for how to enroll in benefits online.

Health Benefits 6 Understand the main features of your medical, pharmacy, dental, and vision plan options.

Health Resources 12 Learn about helpful health management tools and cost-saving tips.

Content Page Read it if you want to….

Tax-Advantaged Accounts 16 Get more information on how you can pay for your eligible health care and dependent care expenses.

Company-Paid Benefits 19 Review the insurance offerings that are available to you at no cost.

Voluntary Benefits 22 Discover how you can supplement your core benefits with optional insurance packages.

Legal 27 Understand key laws that affect your benefits.

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WHAT’S NEW IN 2019

Jane, let’s walk through the changes to your benefitsBelow is a quick summary of what you can expect for benefits year 2019. You can use the rest of this booklet to review the main features of your employee benefit plans and to examine expected changes in detail.

Here’s an Overview of What’s New for 2019:

Aetna Premier Care Network of Health Care Providers and FacilitiesThis year, your medical benefits will be part of the Aetna Premier Care Network (APCN), which places efficiency and quality of care standards on the health care providers and facilities you are able to use at the lower, in-network rate.

This is a narrower network than the current Aetna network. In limited circumstances, your current doctor or specialist may not meet the criteria required to be included in the new network, which may mean higher costs to you unless you consider changing providers.

To see if your health care provider is in the Aetna Premier Care Network go to aetna.com, click on "Find a Doctor", select “Aetna Premier Care Network", "2019 Plan Providers" and then "2019 Aetna Premier Care Network (APCN) - Choice POSII". See page 6 for more information or visit simplepremiercare.com.

Out-of-Pocket Maximums IncreasingYour out-of-pocket maximums on the medical plans will be increasing this year to match the regulatory standards. See pages 6-7 for more information.

Contributions for Medical and Dental Plans IncreasingEvery year we review our plans to ensure we’ve balanced cost and coverage. Whilecontributions are increasing for medical and dental benefits, the cost for our vision plans will remain the same.

There are many ways each of us can do our part to control costs, and it starts with managing your health. Be sure to check out pages 12-13 to see how managing your health can save you money in the long run.

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Announcements

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WELLNESS AT SEVERN TRENT

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What’s New For 2019, Continued:

More Choices for Laboratory Services ProvidersLabCorp, a leading health care diagnostics company, will join Quest Diagnostics (in addition to other participating nationally and locally contracted labs) as a nationally preferred lab for Aetna, which means you will have in-network access to LabCorp’s full range of services effective January 1, 2019.

Teladoc Now Providing Behavioral Health ServicesTeladoc now provides treatment for stress and anxiety, relationship and family problems, emotional difficulties, work pressures, grieving issues, and trauma resolution. Aetna members can speak with a licensed counselor, therapist, psychologist or psychiatrist by phone, web or mobile app for a $20 copay (HDHP: $40 charge). For members and dependents age 18 or older.

Introducing Mango HealthRemembering to take your medications and staying on top of your health care needs can be difficult, but Mango Health can help. Mango Health is a mobile health platform that rewards you for engaging in your health. See page 12 for more information.

New Age-Banded Rates for Spouse Supplemental Life InsuranceIf you have a spouse enrolled in Spouse Supplemental Life Insurance coverage, your cost of coverage will be recalculated based on your spouse's age.

If you aren’t currently covering your spouse, this Open Enrollment affords a special opportunity for you to elect up to $20,000 in coverage without providing evidence of insurability.

You’re Getting $1,000 in Free MedPut CoverageLast year we introduced MedPut. This low-cost service provides access to zero-interest funding for medical expenses which you can pay back through affordable payroll deductions over time.

For 2019, we are offering ALL benefit-eligible employees* $1,000 in MedPut coverage for FREE! You also have the option to buy up to the $2,000 coverage tier. See page 21 for details.

*Please note that in order to elect or receive MedPut benefits, you must be employed with Inframark for at least 12 months.

New Chance to Buy or Sell Vacation TimeYour vacation plan will become more flexible next year when you will be given the opportunity to sell back vacation days or purchase additional ones.

For both options, you must make elections in advance and your elections cannot be changed once the new year begins.

Selling Vacation TimeIf you are a regular, full-time employee with at least five years of service, you will have the opportunity to sell back excess vacation time that may otherwise be lost due to the year-end carryover cap.

You can elect to sell back up to 3 days (24 hours) of accrued vacation time at 50% of your salary. Sold days will be cashed out by March 31, 2019 and your accrual balance will be adjusted at that time. Please remember, that if you happen to leave the company when you have a negative vacation balance, you will still owe back the difference.

Buying Vacation TimeIf you are a regular, full-time employee, you can purchase up to an additional 5 days (40 hours) of vacation and have the cost come out of each pay on a pro-rated pre-tax basis throughout the year. Purchased days must be used after your normal vacation accrual and cannot carry over into the next year, nor will any unused purchased time be refunded, so please plan accordingly.

Announcements

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Benefits EligibilityAll full-time employees scheduled to work at least 30 hours per week are eligible to enroll in employee benefits.

Covering Your Family Members (Eligible Dependents)For you to include new eligible dependents on your benefit plans in 2019, you must submit verification documents (including social security numbers) before December 14, 2018. The social security number requirement applies to any dependent that is currently enrolled or that you are newly enrolling in benefits.

Who Are Your Eligible Dependents? Members of your family who are considered eligible dependents include:

• Your legal spouse• Your children* up to age 26• Your unmarried children of any age, if mentally or physically incapable of self-support

*Your “children” include your natural children, stepchildren who live with you, or other children of whom you have legal guardianship.

ELIGIBILITY & ENROLLMENTEligibility & Enrollment

Changing Your ElectionsYou need to think carefully about the benefits you choose during the open enrollment period because you cannot change your elections during the year unless you have a qualifying life event.

Qualifying Life Events Include:

• Your marriage or divorce• Birth or adoption of your child• Your child reaches the age limit for the applicable benefit• Death of your spouse or child• Gain or loss of other coverage due to a change in your or your spouse’s employment or employment status

If You Have a Qualifying Life EventYou must report any qualifying life event within 31 days of the event’s effective date. Please visit myinframarkbenefits.com for more detailed information regarding qualifying life events.

This year’s Open Enrollment period is November 12 - November 30, 2018.

The benefits elections you make during Open Enrollment will be effective January 1, 2019, and are binding through December 31, 2019, unless you experience a qualifying life event.


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1 Access the Employee Benefits Service CenterGo to myinframarkbenefits.com > Enroll.

5Update your dependent informationYou’ll be prompted to enter your dependent information. It’s important for this to be accurate and up-to-date.

2Enter Your Login ID

6Choose your benefitsClick “proceed” to review your options. After selecting each plan, you’ll have the opportunity choose which dependents you’d like to cover.

3Enter your Temporary Password First Initial + First 3 Letters of Last Name + Last 4 Digits of SSN

(For example, the temporary password for Mary Jones would be MJON3344)

7Review and confirm your choicesTake a moment to look over your choices at the Review and Confirm Your Benefits screen.

4Accept the terms of use and change your password You’ll be required to enter your new password the next time you log in.

8Complete EnrollmentClick on "Submit These Elections".

Your enrollment will NOT be complete if you skip this step!Print a copy of your confirmation for your records.

HOW TO ENROLL IN BENEFITS

Jane,Your login ID is EYT000000.

Eligibility & Enrollment

If you require technical assistance during the enrollment process, you may contact the Benefits Service Center at 1-800-307-0230 or use the "Chat Now!" feature on the enrollment site.

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MEDICAL BENEFITS

Something to Think About This year, your medical benefits will be part of the Aetna Premier Care Network (APCN), which places efficiency and quality of care standards on the health care providers and facilities that are included in the network. These providers have proven track records which means lower hospital readmission rates, fewer complications, lower costs, and more treatments shown to be a success. This is a narrower network than the current Aetna network. Your current doctor or specialist may not meet the criteria required to be included in the new network, which may mean higher costs to you unless you consider changing providers. Claims from Aetna participating providers who are NOT in the APCN will be payable at the out-of-network benefit levels for the plan you are in.

To see if your health care provider is in the Aetna Premier Care Network go to aetna.com, click on "Find a Doctor", select “Aetna Premier Care Network", "2019 Plan Providers" and then "2019 Aetna Premier Care Network (APCN) - Choice POSII". For more information visit simplepremiercare.com. If your current provider won’t be in network next year, but you’re in the middle of a course of treatment or care, you can work with that provider to request transition-of-care coverage. If your request is approved, you can stay with that provider for a limited time at the highest benefit level. To learn more, call member services at the number on the back of your ID card.

We understand that any changes to your network can be difficult if it means you have to change providers. We want you to know that we always make these decisions carefully, working hard to offer comprehensive coverage with a focus on quality. For any additional assistance with transition of care or with locating network physicians, you may also reach out to Health Advocate at 1-855-424-6400.

What You Have Now Who’s Covered? 2019 Cost Per Pay Period

Aetna Basic Medical Plan Family $171.12*

Did You Know ...• 75% of members on the Inframark health plans spend less than $896 per year out-of-pocket• Only 7% of plan members meet their individual deductible

What to Expect in 2019This year, your medical benefits will be part of the Aetna Premier Care Network. Your contribution (the amount that comes out of your paycheck every pay period) will be increasing. Also, across all plans, out-of-pocket maximums are changing to match regulatory standards.

Spousal Surcharge Tobacco Surcharge

$0.00 per pay $0.00 per pay

6 More information at: myinframarkbenefits.com > click on Healthcare & Well-Being and then Medical

Thinking about making a change and want to know the cost? For a full set of medical rates, see page 11.

Standard Plan Basic Plan HDHP w/HSA

Deductible Deductible Deductible

lower mid higher lower mid higher lower mid higher

Cost per pay Cost per pay Cost per pay

lower mid higher lower mid higher lower mid higher

Balancing Cost & Coverage This comparison is for illustrative purposes only.

Health Benefit Plans

*This cost does not reflect any wellness discounts that may apply. If you qualify for a wellness discount, the discounted rate will display in the enrollment system.

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Medical Plan Options

Benefit Descriptions

Standard Plan Basic Plan HDHP w/HSA Option*

In-Network Out-of-Network In-Network Out-of-

Network In-Network Out-of-Network

Annual DeductibleIndividualFamily

$3,000$9,000

$9,000$27,000

$3,500$10,500

$10,500$31,500

$4,000$8,000

$8,000$16,000

Out-of-Pocket Max.IndividualFamily

$7,900 $15,800

$15,800 $47,400

$7,900 $15,800

$15,800 $47,400

$6,750 $13,500

$13,500 $27,000

Coinsurance 30% 50% 30% 50% 30% 50%

Office VisitsPrimary CareSpecialist

$40$60

deductible & coinsurance

$40$60



Emergency CareUrgent Care Facility Emergency Room

$100$350

$100$350

$100 $350

$100 $350


Retail Rx (30-day supply)$12 copay for generic drugs; $40 copay for formulary (preferred)brand name drugs; $100 copay for non-formulary (non-preferred)brand name drugs; $250 for specialty drugs

$12 copay for preventivemedications**; deductible &coinsurance for all others

Mail Order Rx (90-day supply)90-day mail order supply of maintenance drugs available for 2x theretail copay

$24 copay for preventivemedications**; deductible &coinsurance for all others

• All in-network preventive care (e.g., routine physicals, well-child care, mammograms, colonoscopies) is covered at 100% by the plans.*HDHP members can open a tax-free HSA and receive a company contribution of $500 (single) or $1,000 (family) into their account.

**See list of medications designated as "preventive" under the HDHP at myinframarkbenefits.com/Healthcare & Well-Being/Medical/High Deductible Plan.

Best Value!

Changes for 2019


PRESCRIPTION BENEFITS

Prescription Drug PlanRx Type HDHP Only All Other Plans

Generic Deductible/Coinsurance $12 copay

Brand Formulary

Deductible/Coinsurance $40 copay

Brand Non-Formulary

Deductible/Coinsurance $100 copay

Specialty Deductible/Coinsurance $250 copay

90-Day Supply Deductible/Coinsurance

2X Retail Copay

*Certain maintenance medications require a 90-day supply which may be obtained at Walgreen's or through the Mail Order program.

Something to Think About

What You Have Now Who’s Covered?

Express Scripts Family

• You are automatically provided with prescription benefits through Express Scripts when you enroll in an Inframark medical benefits plan.

• Different pricing structures or “tiers” enable you to control costs based on the types of medications you select. Be sure to request generic options from your doctor when possible. If you must take a brand name drug, see whether one on the Brand Formulary tier is an option. For assistance, contact Health Advocate at 1-855-424-6400.

What to Expect in 2019There will be no changes to your Prescription benefit in 2019, but you will have some new prescription management apps available to you. For more information on these apps, see pages 12 and 13.

8 More information at: myinframarkbenefits.com > click on Healthcare & Well-Being and then Prescription


DENTALBENEFITS

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What to Expect in 2019Your contribution (the amount that comes out of your paycheck every pay period) will be increasing, but the plan designs will stay the same.

More information at: myinframarkbenefits.com > click on Healthcare & Well-Being and then Dental

Dental Plan OptionsDescription High Plan Low Plan

Preventive Covered 100%

Covered 100%*

DeductibleIndividual/Family $50 / $150 $50 / $150

Basic Services Covered 80% Covered 80%*

Major Services Covered 50% Covered 50%*

Orthodontia Covered 50%1 No Coverage

Annual Limit $2,000/person $1,500/person

*Coverage out-of-network under the Low Plan is only available at reduced benefit levels.1Orthodontia is covered at 50% up to a lifetime maximum of $2,000.



United Concordia High Dental Plan Family $24.54

• The Smile for Health program can provide you with enhanced benefits for exams and procedures to treat gum disease if you are pregnant or have certain medical conditions like diabetes, rheumatoid arthritis, and heart disease. Learn more on page 13.

Thinking about making a change and want to know the cost? For a full set of dental rates, check out page 11.



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Vision PlanDescription Base Plan Easy Option

Plan

Eye Exams Covered 100% Covered 100%

Eyeglasses/Contacts $15 copay $15 copay

LensesProgressive Lenses

Covered 100%Not Covered

Covered 100%Easy Option

Frames Allowance Up to $150 Easy Option

(Up to $250)

Contacts Allowance Up to $150 Easy Option

(Up to $250)

Frequency - Lenses/Frames 12/24 (months) 12/12 (months)

*Out-of-network coverage is available at reduced benefit levels.

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VISIONBENEFITS


VSP Vision Plan Family $4.72

What to Expect in 2019There are no changes to the Vision plans or rates for 2019.

More information at: myinframarkbenefits.com > click on Healthcare & Well-Being and then Vision and Hearing

Thinking about making a change and want to know the cost? For a full set of vision rates, check out page 11.


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PLANCONTRIBUTIONS

Bi-Weekly Employee Contributions Medical Benefits*

Plan Options:

Employee Only Employee + Children Employee + Spouse Family

Without WellnessDiscount

With WellnessDiscount


With WellnessDiscount


With 1WellnessDiscount

With 2 WellnessDiscounts


With 1WellnessDiscount

With 2 WellnessDiscounts

Standard PPO Plan $74.11 $56.81 $125.34 $108.03 $159.71 $142.40 $125.10 $242.40 $225.09 $207.78

Basic PPO Plan $58.16 $40.86 $96.32 $79.02 $124.70 $107.40 $90.09 $188.43 $171.12 $153.82

HDHP w/HSA Option $47.70 $30.40 $75.66 $58.36 $101.91 $84.60 $67.29 $152.61 $135.30 $117.99

*If you completed the 2018 wellness program , you can earn discounts on your contributions, and pay less out of each check in 2019. If you previously claimed your 2018 wellness reward in cash/gift cards, then you will pay the non-discounted rate in 2019.*1 Discount = Employee OR Spouse completes wellness activities. 2 Discounts = Employee AND Spouse complete wellness activities.

Dental BenefitsPlan Options: Employee Only Employee + Children Employee + Spouse Family

High Dental Plan $7.44 $13.38 $15.62 $24.54

Low Dental Plan $5.53 $9.96 $11.62 $18.26

Vision BenefitsPlan Options: Employee Only Employee + Children Employee + Spouse Family

Base Plan $1.91 $3.36 $3.20 $4.72

Easy Option Plan $5.44 $9.59 $9.14 $13.45

*Spousal Surcharge: If your spouse has access to group medical insurance through his/her employer and you choose to cover him/her under the Inframark plan, you will pay a Spousal Surcharge of $69.23 per pay.

*Tobacco Use Surcharge: If you or a covered spouse/domestic partner use tobacco regularly, you will pay an additional $57.69 per pay for Inframark medical coverage. You can have this surcharge waived by participating in the Health Advocate Tobacco Cessation Program. If it is unreasonably difficult or medically inadvisable for you to attempt to achieve these standards because of a health condition, contact Health Advocate at 1-855-424-6400.

11 Contributions have changed for 2019.



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What to Expect in 2019In 2019, you’ll be able to use Teladoc for behavioral health ser-vices. Also, you'll have access to a new app, Mango, which pro-vides rewards and incentives for healthy behaviors.

MANAGING YOUR HEALTH

Mango Rewarding Healthy BehaviorsRemembering to take your medications and staying on top of your health care needs can be difficult, but Mango Health can help. Mango Health is a mobile health platform that rewards you for engaging in your health. As you track your healthy habits with Mango, you’ll win points and move up a ladder of reward levels. Weekly raffles are held at each level, with prizes ranging from a free Redbox movie rental to $100 gift cards to retailers such as Starbucks and Whole Foods. All prizes can be redeemed, or their equivalent value can be donated to charity. To learn more and get started, please contact Express Scripts at 1-800-282-2881.

Livongo Diabetes ManagementLivongo is a diabetes management program that provides you with a free cellular-enabled meter and free unlimited testing supplies, digital access to track and share your health progress, and immediate telephonic support from certified diabetes coaches to keep your blood sugar in healthy ranges throughout your day. This benefit is 100% company-paid. To learn more and get started, go to healthy.livongo.com/inframark.

Health Resources

TeladocConvenient and Affordable Health Care by Phone or VideoFor just a $20 copay ($40 if you're in the HDHP), you can use a board-certified Teladoc physician to get fast treatment (including prescriptions) for common ailments such as the flu, allergies, ear infections, and more.

New for 2019! Teladoc now offers behavioral health services. You can speak with a licensed counselor, therapist, psychologist, or psychiatrist by phone, web, or mobile app.

Teladoc services are available seven days a week from 7 a.m. to 9 p.m. local time. To learn more and get started, call 1-855-Teladoc (835-2362) or go to www.teladoc.com/aetna.

ALEX, the Inframark Benefits CounselorFind the Perfect Benefit Plans for You and Your Family ALEX®, your easy-to-use online benefits counselor, will look at how you and your family use insurance and point out which plan makes the most sense for you. Discover your lowest-cost medical insurance option (and more)with ALEX at myinframarkbenefits.com.


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MANAGING YOUR HEALTH

Health Resources

Smile for HealthImproved Dental Insurance CoverageYou may be entitled to enhanced benefits for dental exams and procedures to treat gum disease if you are pregnant or have certain medical conditions like diabetes, rheumatoid arthritis, and heart disease. This benefit is 100% company-paid. To learn more and get started, go to unitedconcordia.com.

Medical Benefits AppThe Aetna® Mobile app provides instant access to your family’s critical health information. You can find a physician or facility near you, check the status of a claim, use the Cost Estimator, and look up symptoms on the iTriage®. You can download your FREE Aetna Mobile app by texting Apps to 23862, or you can learn more by visiting aetna.com/mobile.

Prescription Benefits AppThe Express Scripts® Pharmacy app lets you instantly access your plan’s benefits and coverage information through My Rx Choices. You can look up potential lower-cost prescription options, view your ID card, set important reminders to take or refill the prescriptions in your medicine cabinet, and more. Check your smartphone’s app store to download.

Dental Benefits AppThe United Concordia® Dental app allows you to find a dentist near you, access your benefits information, get a virtual ID card, manage your account, and learn about oral health and wellness. To learn more and get started, go to unitedconcordia.com.

HA Lifeline® AppGet 24/7 access to your Health Advocate benefits as well as a one-touch connection to a live Personal Health Advocate who can help you find the right doctor, untangle insurance claims, secure second opinions, schedule appointments, clarify complex conditions, and estimate health care costs. Check your smartphone’s app store to download.

Health Care Savings Tips• It's best to only use the emergency room for life-threatening situations. For everything else, a primary care physician, urgent care center, or convenient care clinic will provide faster service at a much lower cost.

• Call a Health Advocate nurse and possibly save yourself a trip to the doctor. The Nurse-Line service is free, available 24 hours a day, and

provides expert advice on when you can treat your issue at home and when you should consult a health care professional.

• Save on doctor’s office visits by using Teladoc. Teladoc doctors are board-certified physicians who can write prescriptions and help with minor health concerns like allergies or infections. Teladoc is available 24 hours a day, and you can speak with a doctor by video or phone.

• Ask Health Advocate to help you find the best price on health care services and providers in your area. Health care providers can charge vastly different rates for the same service and finding the best price can help you manage your out-of-pocket costs.

• Think about signing up for a less expensive health plan with lower contributions. ALEX at myinframarkbenefits.com can help with this and will find a plan that meets your needs without taking too much money from your paycheck.

• If you worry about choosing a lower-cost medical plan because of the possibility of having to pay a big deductible or out-of- pocket maximum, consider buying Accident or Critical Illness insurance. This type of insurance can help you offset out-of-pocket expenses due to unexpected health issues.

HEALTH ADVOCATEEMPOWEREDHEALTH

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About Your BenefitHealth Advocate EmpoweredHealth is a fully-integrated program that provides you with a personal health advocate who can help you navigate the complex world of health care. This benefit is 100% company-paid.

Your personal health advocate can help you with things like: • Finding a physician• Coordinating your care among many health care providers• Processing insurance claims and paperwork• Negotiating fees for health care services• Weight management• Nutrition• Stress management • Chronic health conditions (such as diabetes, asthma, or depression)• and more!

You'll also have access to interactive online coaching programs, unlimited telephonic support from health professionals, and a 24-hour Nurse Line.

What to Expect in 2019There are no changes to your Health Advocate EmpoweredHealth benefit for 2019.

App: Get 24/7 access to your Health Advocate benefits as well as a one-touch connection to a live Personal Health Advocate who can help you find the right doctor, untangle insurance claims, secure second opinions, schedule appointments, clarify complex conditions, and estimate health care costs. Check your smartphone’s app store to download.

1-855-424-6400

Email: [email protected]: HealthAdvocate.com/inframark

Get Started Today!

More information at: myinframarkbenefits.com > click on Healthcare & Well-Being and then Health Advocate

Health Resources


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EMPLOYEEASSISTANCE PROGRAM

What to Expect in 2019There are no changes to your EAP benefit for 2019.

About Your BenefitYour Employee Assistance Program (EAP) provides 24/7 access to confidential counseling and referral services to help you and your eligible dependents manage life’s problems. This benefit is 100% company-paid.

Some issues the EAP can help with include:

• Daycare• Eldercare• Family/relationships• Financial stress• Legal concerns• Occupational performance• Self-esteem• Smoking cessation • Substance abuse

Email: [email protected]: HealthAdvocate.com/inframark

1-855-424-6400

Get Started Today!

More information at: myinframarkbenefits.com > click on Healthcare & Well-Being and then EAP and Work/Life

Health Resources

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Health Savings AccountWhat You Have Now Not Enrolled

Your Contribution Each Pay Period $0.00

Your Annual Amount $0.00

Employer Contribution $0.00

Annual Max. You Can Contribute in 2019: $0.00

Account Management Available through empowermyretirement.com

HEALTH SAVINGS ACCOUNT

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What to Expect in 2019Health Savings Accounts are now administered through Empower Retirement. Make contribution changes right in the same portal as your 401(k) and see the power of viewing your complete retirement picture in one place.

If you enroll in the High Deductible Health Plan, you also have the opportunity to establish a Health Savings Account (HSA). An HSA is an account that can be used to build long-term tax-preferred savings to pay for qualified health care expenses.

About Your Account

Something to Think About• With an HSA, your money rolls over from year to year and builds up over time. Also, this account always belongs to you, even if you leave the company.

Jane,

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Health Savings

Tax-Advantaged Accounts

HEALTH CARE FLEXIBLE SPENDING ACCOUNT (FSA)

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Something to Think About• By contributing roughly $19 per pay to a health care FSA, you can save $125 in taxes and have $500 to put toward your health care expenses! (Assumes 25% tax bracket.)

• Although the health care FSA is a use-it-or-lose-it account, you can roll over up to $500 of unused funds to use in the next year.

What to Expect in 2019There are no changes to the Health Care FSA in 2019.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Flexible Spending


Health Care FSAWhat You Have Now Not Enrolled



Annual Max. You Can Contribute in 2019: $2,650.00

Account Management Available throughmyFlexDollars.com

About Your AccountThe health care flexible spending account (FSA) allows you to pay for eligible out-of-pocket health care expenses with pre-tax dollars. It is a “use-it-or-lose-it” account. You must actively elect your annual Health Care FSA contribution each year during annual enrollment.

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DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA)

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What to Expect in 2019There are no changes to the Dependent Care FSA in 2019.

The dependent care FSA helps you pay for eligible child care and adult care expenses with pre-tax dollars. You are eligible to participate in the dependent care flexible spending account (FSA) regardless of which medical plan you have elected.

About Your Account

Something to Think About• Dependent care FSA elections cannot be carried over from year to year. You must make new elections during the open enrollment period.

• The dependent care FSA is a use-it-or-lose-it account.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Flexible Spending


Dependent Care FSAWhat You Have Now Not Enrolled



Annual Max. You Can Contribute in 2019:

$5,000; $2,500 if married and filing jointly

Account Management Available throughmyFlexDollars.com

BASIC LIFEAND AD&D INSURANCE

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What You Have Now 2019 Coverage Amount

2019 Cost Per Pay Period

Basic Life Insurance $116,000.00 $0.00

Basic AD&D Insurance $116,000.00 $0.00

What to Expect in 2019There will be no changes to the Basic Life and AD&D insurance benefits in 2019.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Life Insurance

Company-Paid Benefits

About Your BenefitsInframark provides eligible employees with Basic Life and AD&D insurance benefits that equal 1 times your base annual salary up to a maximum of $200,000. This coverage is 100% company-paid.

Something to Think About• You get Basic Life and AD&D Insurance automatically as part of your employee benefits.

• If you’d like to buy additional life insurance coverage for yourself, your spouse, or your children, see page 22.

• IRS regulations require taxation of company-paid life insurance that exceeds $50,000.


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DISABILITY INSURANCE

What You Have Now 2019 Coverage Amount 2019 Cost Per Pay Period

Short-Term Disability 80% of your salary $0.00

Long-Term Disability 50% of your salary $0.00

Something to Think About• You should review and understand the important tax implications of Long-Term Disability Insurance. By default, unless you opt out, we will apply taxes to the value of your company-paid LTD benefits ("Tax Me Now"), which ensures you a tax-free benefit if you become disabled. See page 23 for more on this.

• Consider Voluntary Long-Term Disability (page 23) to top up your company-paid coverage.

What to Expect in 2019There will be no changes to the Short-Term and Long-Term Disability insurance benefits in 2019.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Disability Insurance


About Your BenefitsShort-Term and Long-Term Disability Insurance can help if you become disabled and are unable to work due to a covered injury or sickness. Inframark provides coverage for 50% of your monthly salary. This coverage is 100% company-paid.

Short-Term Disability benefits begin after you have been disabled for more than 14 days. Infra-mark automatically provides you with basic cover-age of 65% or 80% (if you have 5 or more years of service) of your salary. This benefit can be supple-mented with accrued sick time and vacation time.

Long-Term Disability benefits begin after you have been disabled for a total of 90 calendar days. Inframark automatically provides you with basic coverage of 50% of your monthly salary to a maxi-mum of $10,000/month.


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MEDPUTHEALTHCARE FINANCING

What to Expect in 2019In 2019, you will receive $1,000 in coverage at no cost, and you have the option to buy up to the $2,000 tier.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then MedPut

About Your Benefit MedPut provides zero-interest funding and very favor-able pay-back terms for any large or unexpected health care expense (medical, prescription, dental, or vision) you or your covered dependents may incur. Here is how Medput works:

1. You receive a bill for out-of-pocket health care costs and send it to MedPut.

2. MedPut will attempt to save you money by negotiating costs with the provider.

3. MedPut will promptly satisfy your bill up to the maximum amount of coverage you select.

4. You pay back the balance to MedPut through low payroll deductions (to ensure affordability, these payments will never exceed 7% of your net take- home pay).

Using your MedPut benefit won't affect your credit score, but you are responsible for paying back the full amount of whatever you finance.

New! Free Coverage!

MedPut Plan Options

Coverage Tiers 2019 Cost Per Pay Period

$1,000 of Coverage No Cost

$2,000 of Coverage $0.77

NowFree!


Please note that in order to elect or receive MedPut benefits, you must be employed with Inframark for at least 12 months.

SUPPLEMENTALLIFE INSURANCE

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What You Have Now Coverage Amount 2019 Cost Per Pay Period

Employee Life $500,000.00 $24.46

Spouse Life $50,000.00 $2.17

Child Life $10,000.00 $0.88

What to Expect in 2019The Spouse Supplemental Life Insurance policy will be changing to use age-banded rates. Because of this change, you can elect up to $20,000 in Spouse Life for 2019 without providing evidence of insurability. A new option for $10,000 of coverage is also being added.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Life Insurance

About Your BenefitsYou may purchase Supplemental Term Life Insurance for yourself, your spouse, and your children. If you elect this coverage, you are responsible for paying 100% of the benefit cost.

Employee Supplemental Life Insurance lets you purchase coverage of 1 to 5 times your salary, up to a maximum of $500,000.

Spouse Supplemental Life Insurance lets you purchase coverage for $10,000, $20,000, $30,000, $40,000, or a maximum of $50,000.

Child Supplemental Life Insurance lets you purchase coverage for $2,500, $5,000, or $10,000. Your unmar-ried dependent children may be covered up to age 26.

Guaranteed Issue at Open Enrollment: Employees who already have some coverage in place may acquire additional coverage equivalent to 1x your salary each year up to the maximum, without providing evidence of insurability. Spouses can elect up to $20,000 in 2019 on a guaranteed issue basis.

Supplemental Employee/Spouse Life Insurance Bi-Weekly Rates

Insured AgeBi-Weekly Cost

per $1,000 of Coverage Insured AgeBi-Weekly Cost

per $1,000 of Coverage

Under 25 $0.027 50-54 $0.141

25-29 $0.032 55-59 $0.259

30-34 $0.043 60-64 $0.438

35-39 $0.049 65-69 $0.687

40-44 $0.054 70 or above $1.157

45-49 $0.081

Dependent Life Insurance Bi-Weekly Rates

Dependent Child(ren) Coverage Amount

Your Bi-Weekly Cost**For all dependent

children.

$2,500 $0.23

$5,000 $0.46

$10,000 $0.88

+Voluntary Benefits

+


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SUPPLEMENTALLONG-TERM DISABILITY

Something To Think About

About Your BenefitsSupplemental Long-Term Disability coverage is a benefit that helps you to top up your company-paid Long-Term Disability coverage from 50% to 60%. If you elect this cover-age, you are responsible for paying 100% of the benefit cost. Benefits begin after you have been disabled for a total of 90 calendar days.

If you are not already enrolled in this supplemental coverage, underwriting will be required.

What You Have Now 2019 Cost Per Pay Period

Not Enrolled $0.00

What to Expect in 2019There will be no changes to the Supplemental Long-Term Disability plan in 2019.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Disability Insurance

Example: $40,000 Salary Estimated Tax: $1.25 per pay$32.50 per year

TAX ME LATER TAX ME NOW

60% of your monthly income = $2,000

Assuming 25% tax rate, LTD benefit = $1,500

LTD benefit is subject to tax; net benefit is closer to45% of regular earnings

60% of your monthly income = $2,000

Benefit is NOT taxed,LTD benefit = $2,000

LTD benefit when not taxed is really 60% of regular earnings

$500 more per month;$120,000 over 20 years

+Voluntary Benefits

Something to Think About• This plan will require you to choose the “Tax Me Now” option on the base 50% coverage. This is an important investment in securing yourself the maximum possible tax-free benefit should you ever become disabled.

Considering enrolling in supplemental LTD coverage? Your cost per pay will be: $16.67. Please note that this cost may fluctuate based on any changes made to your salary throughout the year.


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What to Expect in 2019 There will be no changes to the Critical Illness and Accident Insurance benefits in 2019.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Critical Illness & Accident Insurance

About Your BenefitsYou may choose to enroll in either or both of these voluntary plans offered through MetLife:

Critical Illness Insurance provides a lump-sum payment in the event of an unexpected serious illness such as a heart attack, stroke or cancer. The payment you receive is yours to spend as you see fit and in addition to any other insurance you may have.

Accident Insurance provides a payment to use as you see fit if you experience a covered event. There are no waiting periods for coverage to begin and payment will be in addition to any other insurance you may have.

What You Have Now Coverage Amount 2019 Cost Per Pay Period

Critical Illness Critical Illness $10000 $11.95

Accident Insurance Metlife Accident Low Plan $11.56

Something to Think About• The Critical Illness policy also includes a cash benefit of $50 (low plan) or $100 (high plan) for receiving health screenings.

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CRITICAL ILLNESS& ACCIDENT INSURANCE

Critical Illness and Accident Insurance costs are based on your coverage selection and other variables.

Coverage levels and costs may be reviewed in the enrollment system.

+Voluntary Benefits

+

LIFELOCK IDENTITY THEFT PROTECTION

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What to Expect in 2019 There will be no changes to the LifeLock Identity Theft Protection plan in 2019.

Comprehensive identity theft protection through LifeLock can safeguard your finances, credit, and good name. You may choose from two levels of protection: Benefit Elite and Ultimate Plus.

LifeLock Benefit Elite™ provides scanning for misuse of your Social Security number by criminals to build fictitious identities. Address changes and court records are also closely monitored to prevent fraudulent use.

LifeLock Ultimate Plus™ is the most complete identity theft protection plan LifeLock has to offer. You’ll get everything the Benefit Elite provides as well as identity threat alerts, bank account takeover alerts, notifications for credit card transactions, and notifications about changes to your retirement accounts.

About Your Benefits

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Identity Theft Protection


Lifelock Benefit Elite Plan $7.85

Plan LevelYour Contribution Each Pay Period

Benefit Elite Ultimate Plus

Employee $3.92 $11.76

Employee + Spouse $7.85 $23.53

Employee + Child(ren) $6.86 $16.67

Employee + Family $10.78 $28.44

Something To Think About• Consider how this benefit can provide peace of mind to you and your family members under the circumstances of an event such as a data breach.

+Voluntary Benefits

METLAWLEGAL PLAN

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What to Expect in 2019There are no changes to the MetLaw Legal Plan or rates for 2019.

More information at: myinframarkbenefits.com > click on Financial & Retirement and then Legal-Services


Metlaw Legal Plan $7.39


About Your Benefits The MetLaw Legal Plan provides access to high-quality attorneys and legal services. You can receive legal advice and fully covered legal services for a wide range of per-sonal legal matters such as:

• Estate planning documents (including wills and trusts)• Real estate matters• Identity theft defense• Financial matters (such as debt-collection defense)• Traffic offenses• Document review• Family law (including adoption and name changes)• Advice and consultation on personal legal matters

If this coverage is elected, you pay 100% of the benefit cost.

• Whether it's a planned event like buying a home or preparing a will, or an unexpected problem like a speeding ticket, most of us need legal counsel at some point—in fact, 70% of us have at least one ongoing legal issue annually.

• Because the cost of MetLaw coverage for the whole year is less than the average lawyer's hourly fee, enrolling in this coverage could save you a considerable amount of money

+Voluntary Benefits

+


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Women’s Health & Cancer Rights ActOn 21 October 1988, the Women’s Health and Cancer Rights Act became effective. This law requires group health plans that provide coverage for mastectomies to also cover reconstructive surgery and prostheses following mastectomies. As the Act requires, we have included this notification to inform you about the law’s provisions. The law mandates that a plan participant receiving benefits for a medically necessary mastectomy who elects breast reconstruction after the mastectomy, will also receive coverage for:

• Reconstruction of the breast on which the mastectomy has been performed• Surgery and reconstruction of the other breast to produce a symmetrical appearance• Prostheses• Treatment of physical complications of all stages of mastectomy, including lymphedemas

This coverage will be provided in consultation with the attending physician and the patient and will be subject to the

same annual deductibles and coinsurance provisions that apply for the mastectomy.

Health Insurance Portability & Accountability Act of 1996 (HIPAA)HIPAA requires that you be informed of your Special Enrollment rights when you and/or your eligible dependents decline health care coverage during the initial enrollment period. If you are declining coverage for yourself or your dependents (including your spouse) because of other health insurance coverage, you may in the future be able to enroll yourself and/or your dependents in an Inframark medical plan provided that you request coverage within 31 days after your other coverage ends.

In addition, if you have a new dependent as a result of marriage, birth, adoption or placement for adoption or a court order, you may be able to enroll yourself and/or your dependents, provided that you request enrollment within 31 days after the marriage, birth, adoption or placement for adoption or the court order. If you are declining health coverage for yourself or your dependents (including your spouse) and you are not currently covered under a medical plan, you will be considered a late

applicant. HIPAA allows a late applicant to enter a medical plan only during an open enrollment period.

Mental Health Parity ActThe Mental Health Parity Act of 1996 provided that a health care plan or policy may not provide separate lower annual or lifetime dollar maximums (considered financial maximums) on mental health benefits as compared to medical benefits. With the passage of the Emergency Economic Stabilization Act and its inclusion of the Mental Health Parity and Addiction Equity Act of 2008 (Mental Health Parity Act or MHPA), the original act was extended to include the same provisions for substance use disorders, not just mental health disorders. Further the MHPA also disallows more restrictive treatment limitations (number of covered office visits, inpatient days of coverage, etc.) for both disorders. Medicare Part D – Prescription Drug Coverage For 2019All PPO Plans - Creditable Coverage: For the plan year starting January 1, 2019, Inframark has determined that the prescription drug coverage offered

by either of its PPO medical plans is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage.

High Deductible Health Plan (HDHP) - Non-Creditable Coverage: The HDHP is expected NOT to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Non-Creditable Coverage. You may obtain a copy of the full certificates at any time by calling the Benefits InfoLine at 1-866- 545-3756.

Notice of Privacy PracticesIn compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the Inframark health plans maintain a Notice of Privacy Practices that describes the uses and disclosures of your protected health information that may be made by the health plans, and your privacy rights under HIPAA. You may request a full copy of the Notice of Privacy Practices at any time by contacting the Benefits InfoLine at 1-866-545-3756.

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Other important information - Summary Plan Descriptions (SPDs), Summary of Benefits and Coverage (SBCs) and other plan documentation can be found by logging into the Online Benefits Center at myinframarkbenefits.com > Enroll or by calling 1-866-545-3756.

Summary of Benefits Coverage (SBC) Summary Plan Description (SPD)

SBCs provide information about your plans’ copayments, deductibles, coinsurance, and contacts.

SPDs provide information about your plans’ eligibility requirements, covered services, and processes for claims and appeals.

Legal

27


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If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but, you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.

If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa. dol.gov or call 1-866-444-EBSA (3272). If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of August 10, 2018. Contact your State for more information on eligibility –

To see if any more States have added a premium assistance program since August 10, 2018 or for more information on special enrollment rights, you can contact either:

U.S. Department of Labor U.S. Employee Benefits Security Administrationwww.dol.gov/ebsa I 1-866-444-EBSA (3272)

U.S. Department of Health and Human ServicesCenters for Medicare & Medicaid Serviceswww.cms.hhs.gov I 1-877-267-2323, Menu Option 4, Ext. 61565

Medicaid/CHIP

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Alabama — Medicaid Website: http://myalhipp.com/ I Phone: 1-855-692-5447

Colorado — MedicaidMedicaid Website: http://www.colorado.gov/hcpf/Child-Health-Plan-PlusMedicaid Customer Contact Center: 1-800-359-1991

Florida — Medicaid Website: http://flmedicaidtplrecovery.com/ I Phone: 1-877-357-3268

Georgia — MedicaidWebsite: http://dch.georgia.gov/medicaid - Click on Health Insurance Premium Payment (HIPP) I Phone: 404-656-4507

Indiana — Medicaid

Healthy Indiana Plan for low-income adults 19-64Website: http://www.in.gov/fssa/hip I Phone: 1-877-438-4479All other MedicaidWebsite: http://www.indianamedicaid.comPhone: 1-800-403-0864

Louisiana — MedicaidWebsite: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331Phone: 1-888-695-2447

New Jersey — Medicaidand CHIP

Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/ I Medicaid Phone: 609-631-2392CHIP Website: http://www.njfamilycare.org/index.htmlCHIP Phone: 1-800-701-0710

Missouri — MedicaidWebsite: http://www.dss.mo.gov.mhd.participants/pages/hipp.htmPhone: 573-751-2005

Nebraska — Medicaid Website: http://wwwACCESSNebraska.ne.gov I Phone: 1-855-632-7633

New York — MedicaidWebsite: http://www.nyhealth.gov/health_care/medicaid/Phone: 1-800-541-2831

North Carolina — Medicaid Website: https://dma.ncdhhs.gov I Phone: 919-855-4100

Oklahoma — Medicaid and CHIP

Website: http://www.insureoklahoma.org I Phone: 1-888-365-3742

Pennsylvania — MedicaidWebsite: http://www.dhs.pa.gov/provider/medicalassistance/healthinsurancepremiumpaymenthippprogram/index.htmPhone: 1-800-692-7462

South Dakota — Medicaid Website: http://dss.sd.gov I Phone: 1-888-828-0059

Texas — Medicaid Website: http://gethipptexas.com/ I Phone: 1-800-440-0493

Virginia — Medicaidand CHIP

Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfmMedicaid Phone: 1-800-432-5924CHIP Website: http://www.coverva.org/programs_premium_assistance.cfmCHIP Phone: 1-855-242-8282

Wyoming— Medicaid Website: https://wyequalitycare.acs-inc.com I Phone: 307-77-7531

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MARKETPLACE OPTIONS

HEATH INSURANCE MARKETPLACE COVERAGE OPTIONS

Determine Your Coverage Options

Employee Working Fewer than 30 Hours/Week

Can receive coverage through

The Marketplace

Help paying for coverage

No, if household income is greater than

400% of the FPL*

Yes, if household income is between 100% and

400% of the FPL*

What you pay for coverage

100% of the monthly premium (after tax)


minus the premium tax credit

*Example: The Federal Poverty Level (FPL) for a family of 4 in 2018 = $24,600 (in Alaska: $30,750; in Hawaii: $28,290)

Employee Working More than 30 Hours/Week

Can receive coverage through

The Marketplace Inframark

Help paying for coverage

No. You will not receive any employer

contributions or

premium tax credits.Yes. Inframark will help pay for your coverage.

What you pay for coverage


Approximately 22% of the monthly premium

(pre tax)

Employer Contribution

In 2014, a new insurance market – the Health Insurance Marketplace – came into existence. Individuals can use this Marketplace to obtain health coverage when no or limited other coverage options exist. As an Inframark employee, it is important for you to understand

how any option you have to enroll in our coverage impacts your Marketplace options. All employees can purchase coverage through the Marketplace. However, not everyone can receive help paying for their coverage. Your eligibility for coverage through Inframark impacts whether or not you can receive a premium tax credit through the Marketplace. This is especially true if you are eligible to enroll in health coverage through Inframark. Being eligible for Inframark’s health coverage makes you ineligible to receive the premium tax credit (also known as a subsidy) that many use to help pay for Marketplace coverage.

If you are a benefits-eligible employee (working 30 or more hours per week), you will NOT be able to receive a premium tax credit. This is because Inframark health plans meet all requirements for comprehensive and affordable coverage as set forth by the law. Therefore, you may want to consider the health plan options offered by Inframark. The Open Enrollment period for Inframark benefits is November 12 - November 30, 2018.

If you drop your Inframark coverage to purchase coverage from the Marketplace, please note that you will not be able to re-enroll until a future Open Enrollment, unless you experience a qualifying life event. If you are NOT eligible for coverage through Inframark, you should consider shopping for your insurance through the Marketplace. Your household income will determine whether or not you can receive a premium tax credit. For assistance, contact Health Advocate at 1-855-424-6400.

For further assistance, contact Health Advocate at 855.424.6400, or visit myinframarkbenefits.com.

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Employee Benefits Service Center1200 Abington Executive ParkClarks Summit, PA 18411myinframarkbenefits.com

For technical assistance, call 1.800.307.0230.

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Documents

2019 OPEN ENROLLMENT · Introducing Mango Health Remembering to take your medications and staying on top of your health care needs can be difficult, but Mango Health can help. Mango