ANNUAL ENROLLMENTWHAT’S NEW FOR 2014

November 2013

KEY DATES November 1 - Annual Enrollment Begins!

You can enroll online www.benefitenroll.com or by calling the Benefits Service Center at 877-418-0038.

November 17 - Annual Enrollment Ends!Log into www.benefitenroll.com and certify the wellness qualifiers :

1) Be a Tobacco free family2) Complete an annual physical or biometric health screening, and3) Complete the Cigna Health Assessment using your numeric values.Annual Physical/Biometric Screening AND Cigna Health Assessment must becompleted by you and your covered spouse by 12/31.

Don’t forget to make your 2014 FSA account(s) election.

November 18 – 29 Enrollment corrections can be made by calling the Benefit Service Center at 877.418.0038. Confirmation Statement will be mailed to your home.

On or about December 23– New ID cards will be mailed to home, if applicable.  If you are enrolled in the Healthcare FSA, your existing benefit card will be reload with your new pledge amount.

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Changes for 20142014- Wellness Qualifiers Steps

Question 1: Have you, or any covered dependents, used tobacco products within the past 12 months? Yes or No

Question 1a: If you say “yes” you will be asked, “Have members, who use tobacco, enrolled in or completed a cessation program in the last 12 months? Yes or No

Question 2: “Do you and your spouse plan to get the required screening AND complete Cigna’s online health assessment?” Yes or No

Question 2 is not required for covered children.CONFIDENTIALITY-The results of the biometric screenings, and health assessment are confidential and willnot be provided to Huber. Cigna will collect the information and inform us whether qualifiershave been met.

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Qualify online at www.benefitenroll.com

Annual savings could be significant – as much as $420 for single coverage and $1,260 for family coverage for the Premium Option.

Changes for 20142014 Medical Plan Design Changes Premium Option

In Network Medical copays accumulate towards the out of pocket

maximum (HCR Mandate) Out of pocket maximum increases to $1,500 / $4,500

for single and family coverage Out of Network

Out of pocket maximum increases to $4,100 / $12,300 for single and family coverage

Core Option No design changes

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Changes for 20142014 Rx Plan Design Changes Prescription Plan Changes

Slight increase in non generic copayments Retail

Preferred brand-name drugs from $25 to $30 Non-preferred brand-name drugs from $40 to $50 Generic drugs copay will remain the same: $10

Mail Order Preferred brand-name drugs from $62.50 to $75 Non-preferred brand-name drugs from $100 to $125 Generic drugs copay will remain the same: $25

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Express Script ID cards will be mailed in Q1. Medco cards will still be accepted.

Changes for 20142014 Medical/Rx Plan Designs

*Plus cost difference from generic

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2013 2014 Benchmark

Premium Core Premium Core 1,000-4,999 EES

Deductible (Single / Family)

In-Network $300 / $900 $300 / $900 $300 / $900 $300 / $900 $500 / $1,000

Out-of-Network $600 / $,1800 $750 / $2,250 $600 / $,1800 $750 / $2,250 $800 / $2,000

Out-of-Pocket Max (Single/ Family)

In-Network $1,000 / $3,000 $2,000 / $6,000 $1,500 / $4,500 $2,000 / $6,000 $2,200 / $5,000

Out-of-Network $3.600 / $10,800 $4,750 / $14,250 $4,100 / $12,300 $4,750 / $14,250 $4,000/$9,000

Office Visit Copays (In-Network)

Preventative 100% 100% 100% 100% 100%

Primary Care $30 80% $30 80% $20

Specialty Care $30 80% $30 80% $35

Emergency Room 90% 80% 90% 80% $100

Coinsurance

In-Network 90% 80% 90% 80% 80%

Out-of-Network 70% 60% 70% 60% 60%

Pharmacy Copays (Retail / Mail)

Generic $10 / $25 $10 / $25 $10 / $25 $10 / $25 $10 / $21

Preferred Brand $25 / $62.50 * $25 / $62.50 * $30 / $75 * $30 / $75 * $31 / $62

Non-Preferred Brand $40 / $100* $40 / $100* $50 / $125* $50 / $125* $50 / $103

New in 2014-Medical Benefits

2014 Increase $$$ Difference

Between OA Premium

Wellness Qualifers Satisfied

Wellness Qualifers

Not Satified

Wellness Qualifers Satisfied

Wellness Qualifers

Not Satified

Wellness Qualifers Satisfied

Wellness Qualifers

Not Satified

OA PremiumEE ONLY $144 $179 $7 $12 N/A N/AEE+1 $295 $365 $21 $31 N/A N/AEE+FAM $460 $565 $45 $60 N/A N/A

OA CoreEE ONLY $97 $132 $0 $5 ($47) ($47)EE+1 $197 $267 $10 $20 ($98) ($98)EE+FAM $303 $408 $20 $35 ($157) ($157)

2014 Medical Plan Monthly Contributions7

Healthcare Reform (HCR) Public Exchanges How will it impact you?

Public Exchange Notice J.M. Huber provided an exchange notice to all employees in

the annual enrollment packets. HCR Value and Affordability Mandate

Employer group plans must offer affordable contributions (less than 9.5% of income for single coverage) and have a plan design that is greater than 60% actuarial value.

Huber’s coverage exceeds the minimum value standard (86% for Premium and 83% for Core)

Huber’s coverage meets the affordability mandates, employees earning more than $16,673* are not able to obtain a subsidy and would pay the full cost of coverage if they enroll in a state exchange plans.

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* Anyone earning less than $16,673 may be subsidy eligible, depending on whether their spouse is offered affordable coverage

Changes for 2014 Ancillary Coverages Dental No change in plan design No Increase in employee contributionsVision Enhance plan to cover frames every 12

months instead of 24 months small increases in monthly rates

Life & Disability No changes

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Changes for 2014Dental No plan design changes or contribution

increase

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Monthly Contributions

2014 Increase $

Employee Only $18.00 $0.00

Employee + 1 $30.00 $0.00

Employee + Family

$47.00 $0.00

Changes for 2014Vision Enhance plan to cover frames every 12

months instead of 24 months

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Monthly Contributions

2014 Increase $

Employee Only $5.82 $0.56

Employee + 1 $11.65 $1.11

Employee + Family

$18.75 $1.79

2014 Enroll for Supplemental Life InsuranceBasic Life Insurance: 2 x annual pay. Provided by Huber,

at no cost to you

Supplemental Life Insurance Options: Your choice of an additional 1 x annual pay 2 x annual pay 3 x annual pay 4 x annual pay No additional coverage

Remember: Evidence of Insurability (EOI) is required. The maximum amount of life insurance between Basic and

Supplemental is $1,250,000. Defaults to 2013 coverage.

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Spouse & Child Life BenefitsYour Spouse Life Options: Your choice of

$10,000 spouse $25,000 spouse $50,000 spouse $100,000 spouse No coverage

Your Child Life Options: Your choice of $5,000 per child $10,000 per child $15,000 per child No coverage

Remember: You may elect coverage for your dependents separately. Evidence of Insurability (EOI) is required for spousal coverage. Defaults to 2013 coverage

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Changes for 2014Supplemental Life Insurance No change to rates

Rates are per $1,000

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Your Age Monthly Rate $ increaseUnder 25 $0.046 $0.000

25-29 $0.046 $0.00030-34 $0.054 $0.00035-39 $0.073 $0.00040-44 $0.114 $0.00045-49 $0.189 $0.00050-54 $0.289 $0.00055-59 $0.471 $0.00060-64 $0.553 $0.00065-69 $0.864 $0.00070-74 $1.525 $0.000

75 & over $2.511 $0.000

Changes for 2014Supplemental Long-Term Disability No change to rates

Rates are per $1,000

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Your Age Monthly Rate $ increaseUnder 34 $1.080 $0.000

34-44 $1.900 $0.00045-54 $2.600 $0.000

55 & Older $3.400 $0.000

Flexible Spending AccountsHealthcare & Dependent FSA• Health Care FSA maximum contribution amount is capped at $2,500.

• There are no changes for the contribution amount for a Dependent Care FSA it is capped at $4,550 (max company match $450).

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Enrollment Options

2014 Enrollment Options

Enroll Online or by calling the Benefits Service Center at 1-877-418-0038.

ONLINE ENROLLMENT (www.benefitenroll.com) Can be accessed 24/7. You’ll need a computer with internet

access and a printer. User ID: Year of Birth + Last 4 Digits of SSN. (example

19651234) Passwords reset to Default as of October 31:

000 + Last 4 Digits of SSN (example: 0001234) After first successful login, you will be prompted to change

your password (must be at least 7 characters)

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2014 Enrollment OptionsSteps to meet the Qualifiers: Log onto www.benefitenroll.com and answer the wellness

questions during annual enrollment Nov. 1-17. Next, you and your covered spouse, complete your annual physical (or

biometric screening) and obtain your numeric values needed to complete the Cigna online Health Assessment.

Lastly, complete your Cigna online Health Assessment at www.mycigna.com with your numeric values obtained by your doctor (or biometric screening) by December 31 (deadline is January 31 for new enrollees) Your spouse will need to access their own online Health Assessment

on mycigna.com. Refer to instructions flyer, “My Health Assessment”.

If you had a physical at any time in 2013, just call for your numeric values – no need to get it again.

If you do not satisfy the wellness qualifiers by the deadline, you will receive the non-wellness contribution rate in January 2014.

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2014 Enrollment Options The following decision support tools are

available on the Online System: Plan Summaries Medical Compare Medical Cost Calculator FSA Calculator

You will also be able to update your Life Insurance Beneficiaries Online

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“My Total Rewards” Statement – next statement through 12/31/201321

o Access your “My Total Rewards” Statement at www.benefitenroll.com

o Your Statement features a complete view of pay and company-sponsored benefits

o New features for 2013!

o Statement Year Selector

o Compensation History Graph

o Review information whenever you need it.

o Available online 24X7 from work or home

o Updated two times per year.

A new statement will be available on or about January 15. Be sure to check it out!

2014 Benefits – Employee Savings Plan Annual Enrollment is a good time to review your 401(k)

Savings Plan account. Make sure you are getting the full company match (Huber matches

on first 5% of your eligible pay).

Evaluate your investment allocation

Re-balance your investment, if necessary

Use easy modeling tools on website to determine if you’re on track to meet your goals.

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2014 Benefits

QUESTIONS?

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