2013

Benefit basicsUsing your health and wellness program

DISCLAIMER: This communication provides some basic 2013 benefit information. It has been prepared for benefits-eligible employees of Massachusetts Mutual Life Insurance Company; The MassMutual Trust Company fsb; MassMutual International LLC; Babson Capital Management LLC; Invicta Advisors LLC; and Cornerstone Real Estate Advisers LLC. It is not for retirees, career contract agents, field staff, general agents and general managers. This is not a summary plan description (SPD) or summary of material modifications (SMM).

Your receipt of this material is not a promise or guarantee by the company of your eligibility for any one or all the benefits and programs described or continued employment. The company reserves the right to terminate, modify, amend or suspend any or all of its benefit plans and programs at any time, and from time to time, with or without notice. In case of conflict between this information and the plan terms, the plan terms and documents shall govern. Provisions are based on current law and regulations, which are subject to change.

Managing your health care takes a little know-how these

days. These benefit basics can help. Glance through – you

might learn something new. Share it with family members

covered under your MassMutual benefits. Refer to page 11

for phone numbers and websites. You can view a copy of this

booklet online anytime on myHR.

Read on to bolster your benefit basics. Learn about:

• Going to the doctor

• Filling a prescription

• Meeting your annual deductible and annual out-of-pocket maximum

• Making time for preventive care

• Earning wellness incentive dollars

• Using your health savings account

• Getting answers to your benefit questions

To The Hartford Retirement Plan Group (RPG) employees:

This document was developed and intended for use by MassMutual employees. We are distributing it to RPG employees to help them get better acquainted with the benefits and programs offered to MassMutual employees. If you accept employment with MassMutual and enroll in MassMutual’s medical option, this information will help you navigate coverage.

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After your visitOnce your claim has been submitted, Cigna will calculate

any applicable discounts, pay the covered portion (if you’ve

met your annual deductible) and send you and your provider

an Explanation of Benefits (EOB). EOBs explain Cigna

discounts, how much the plan has paid and how much you’ll

be expected to pay. EOBs are not bills; your doctor’s office

will send you a separate bill based upon this information.

When you get the bill, pay your portion of the cost for

services. If you choose to pay for qualified medical expenses

using your Cigna Choice Fund® health savings account (also

referred to as an HSA), there are several ways to access your

account (as long as you have enough money in your HSA).

See page 9 for details.

If you use an out-of-network provider who will not submit

the insurance claim on your behalf, you’ll need to submit

a claim form to Cigna to be paid any benefit and to be sure

eligible amounts are applied to your annual deductible.

Contact Cigna for details.

Before your visitUse myCigna.com to see if your doctor is in the Cigna Open

Access Plus network. As a participant in Option 1 or Option

2, you can receive services from providers regardless of

whether they’re in- or out-of-network. If you use in-network

providers, it’ll likely cost you less.

Then, call your doctor’s office to make an appointment. At this

time, let the office know about the provisions of your coverage.

At the doctor’s officeArrive for your appointment and present

your Cigna ID card. Your card identifies

you as a Cigna medical participant and signals the doctor’s

office to bill Cigna directly for services rendered.

Generally, your doctor’s office will not require payment at

the time of your visit. Why? Because the exact amount you

owe is usually not known until your claim is processed.

Typically, your doctor’s office will send the claim directly

to Cigna. If your doctor is out-of-network, he or she may

send the claim to Cigna; if not, you’ll need to submit the

claim yourself.

Going to the doctor

Just the basics: Going to the doctor

n Present your Cigna medical ID card.

n Talk to your doctor and the office staff about your medical coverage and your preference to be billed after you receive your Explanation of Benefits (EOB).

n Review your EOB and compare it to the bill from your provider.

n Pay your portion of the bill (e.g., use your HSA card).

n Call Cigna 24/7/365 at 800-548-3980 and visit myCigna.com. Use their web tools and expertise!

Note: There may be times when, depending on their office policy or the type of service you receive, you may be asked to pay while you’re in the office (i.e., before your claim is processed by Cigna). If this happens, ask your medical provider or office staff these questions:

· Do you know how much Cigna will pay for the service?

· Can you check my current deductible status and verify coverage for the contracted service?

· Have you used the Cigna Cost of Care Estimator to provide me with an estimate of the expected total cost of services and the amount my plan will cover?

· Could I pay just a portion now and you balance-bill me for the rest once you’ve submitted the claim?

If you have questions about a particular payment or payment in general, call Cigna at any time – they are available 24/7/365.

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Filling a prescription

If you’re covered by a MassMutual medical option, your prescription drugs are covered by Express Scripts (not Cigna).

When you go to the pharmacy, present your Express Scripts ID card. The pharmacist checks your benefits with Express Scripts,

then tells you the discounted price of your drug and how

much you’ll pay:

• Before you’ve met your annual deductible, you’ll pay the full

cost of your prescription (certain

preventive drugs are not subject to

the deductible – you’ll pay just the coinsurance

portion of the prescription).

• After you’ve met your deductible, you’ll pay

coinsurance only, up to per-prescription maximums,

if applicable (see chart on page 5).

• If you reach your annual out-of-pocket maximum, the plan will pay 100% of eligible prescriptions.

Pay at the point of sale. If you choose to pay using your Cigna Choice Fund® health

savings account, there are several ways to access your account

(as long as you have enough money in your HSA). See page 9

for details. You may also choose to pay out-of-pocket.

Consider home delivery for maintenance drugs. Home delivery is available for 90-day supplies of maintenance

drugs (e.g., asthma and high blood pressure medications, etc.).

It can be a more time- and cost-effective method than picking

up maintenance drugs every 30 days at a pharmacy. Contact

Express Scripts for details.

Contact Express Scripts if your prescription requires prior authorization or if you take a specialty drug.Some prescriptions require prior authorization before they

can be filled. Contact Express Scripts to find out if your

prescription needs prior authorization. Certain specialty

drugs are filled by Express Scripts’ specialty pharmacy called

CuraScript. The FDA has restrictions on how some of these

drugs can be dispensed so some may only allow a 30-day fill.

Contact Express Scripts for details.

If your prescription is subject to the step therapy program, here’s what you need to know.The step therapy program encourages use of lower cost alter-

natives (when possible) in certain drug categories. If your

prescription falls into one of these categories, it’ll be subject

to step therapy. Your pharmacist will contact your health care

provider to discuss a lower-cost alternative. If approved, the

lower-cost alternative will be dispensed. If your provider

doesn’t agree with the substitution, the pharmacist will

dispense as written. Contact Express Scripts for

more information.

Just the basics: Filling a prescription

n Present your Express Scripts ID card at the pharmacy.

n Decide how you’ll pay for your prescription (e.g., HSA card).

n Use home delivery for maintenance drugs.

n Call Express Scripts directly 24/7 at 866-219-1933 and visit express-scripts.com. Use their web tools and expertise!

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Going in-network? No forms needed.When you receive services from a Cigna Open Access

Plus network provider and you present your Cigna medical

ID card, you’ll receive Cigna’s negotiated discounts with

your provider and your cost will be automatically applied

toward your annual deductible and annual out-of-pocket

maximum. It’s also automatically applied to your deductible

and out-of-pocket maximum when you present your Express

Scripts prescription ID card at a participating pharmacy and

order prescriptions through Express Scripts’ home delivery

program. In-network providers and pharmacies submit your

claims for you.

Going out-of-network? Submit a claim form.Some out-of-network providers will submit your claim for

you. If they don’t, you must submit a Cigna medical claim

form or Express Scripts prescription drug claim form to

ensure the amount you paid for eligible services or products

is applied toward your annual deductible and annual out-

of-pocket maximum. Claim forms are available on myHR:

Forms > Publications and Coverage Charts > Benefit Forms.

Meeting your annual (calendar year) deductible and out-of-pocket maximum

* Except for certain preventive medical services and preventive medications, which are not subject to the deductible.

Prescription tools you can use on express-scripts.com:

· Estimate prescription drug costs – Use the Price-a-Drug feature on express-scripts.com to view coverage information for

a specific drug and estimate your cost. You’ll also see if you can save money by using home delivery or another, lower-cost

drug. Under My Prescription Plan choose Price a Drug. You can also call Express Scripts 24/7/365 at 866-219-1933 to get an

estimate of your prescription costs.

· Prep prescription information for your next doctor visit – Your doctor is an expert on your health, but he or she

may not know the details of your prescription coverage. In just two steps, you can print a brief packet of information from

express-scripts.com to bring to your next doctor’s visit. Under My Prescription Plan choose For Your Doctor Visit.

With a high deductible health plan, your “insurance” kicks

in, so to speak, after you’ve paid your annual deductible.

You’ll pay 100% of the cost of covered medical and

prescription drug expenses until what you’ve paid equals

your deductible. Then, you and the plan share the cost of

eligible expenses. This is called coinsurance. Though you

pay 100% of the cost, it doesn’t mean the expense is not

covered under the plan – it’s applied to your annual

deductible. Once you meet your deductible,* you’ll pay just

a portion of the cost (10% or 30% for medical expenses,

15%, 30% or 50% for prescription expenses), plus any extra

amounts over the maximum reimbursable charge (MRC) if

you use services outside the Cigna network. (MRC is

determined by Cigna based on your zip code.) When you

reach the annual out-of-pocket maximum, the plan will pay

100% of all eligible expenses.

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Keep track of your claims.Monitor your claims activity and how much you’ve paid

toward your annual deductible and coinsurance. These two

together count toward your annual out-of-pocket maximum.

Use Cigna’s and Express Scripts’ websites to see claim

activity – and call 24/7/365 with any follow up questions.

Just the basics:Meeting your annual deductible and out-of-pocket maximum

n Present your ID card, whether in- or out-of-network.

n If in-network, the provider or pharmacy will submit the claim for you.

n If out-of-network, you may need to submit a claim form.

n Monitor your claims on myCigna.com and express-scripts.com.

Note: If you use an out-of-network provider:

· You don’t receive the advantage of negotiated discounts.

· Your medical coinsurance percentage is higher (you pay 30% instead of 10%).

· You’ll be responsible for paying all amounts over the maximum reimbursement charge (MRC). Amounts over MRC are not applied to your annual deductible or out-of-pocket maximum. They are completely your responsibility.

Coverage breakdown

Option 1 Option 2

Annual deductible amount you pay each calendar year before the plan begins paying benefits

•$1,300 if you cover yourself only

•$2,600 if you cover yourself plus one or more dependents

•$2,500 if you cover yourself only

•$5,000 if you cover yourself plus one or more dependents

Medical coinsurance percentage you pay for medical expenses after you’ve met your annual deductible

•10% of all covered in-network services other than certain preventive care

•30% of all covered services out-of-network other than certain preventive care plus all extra amounts over the maximum reimbursable charge (MRC)

Prescription coinsurance percentage you pay for prescription drug expenses after you’ve met your annual deductible

•15% of the net cost of the generic (tier 1) drug up to the per-prescription maximum ($20 pharmacy, $50 home delivery)

•30% of the net cost of the preferred brand name (tier 2) drug up to the per-prescription maximum ($80 pharmacy, $200 home delivery)

•50% of the net cost of the non-preferred brand name (tier 3) drug up to the per-prescription maximum ($120 pharmacy, $300 home delivery)

•For certain preventive drugs, the deductible does not apply and you pay just the coinsurance subject to per-prescription maximums. Also: Eligible smoking cessation medications are covered at 100%; the annual deductible and coinsurance do not apply.

Annual out-of-pocket maximum total amount of deductible + coinsurance for covered in- and out-of-network medical and prescription drug expenses you may pay in a calendar year

•$3,000 if you cover yourself only ($1,300 deductible plus coinsurance)

•$5,000 if you cover yourself plus one or more dependents ($2,600 deductible plus coinsurance)

•Plus all out-of-network amounts over MRC

•$4,500 if you cover yourself only ($2,500 deductible plus coinsurance)

•$9,000 if you cover yourself plus one or more dependents ($5,000 deductible plus coinsurance)

•Plus all out-of-network amounts over MRC

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Making time for preventive care

Medical appointmentsCertain preventive care is not subject to the annual

deductible or coinsurance: the plan pays 100%. Whether the

care is provided in- or out-of-network (up to the MRC), it’s

covered in full by the plan. Preventive care is routine care

based on guidelines issued by the federal government. It’s

designed to help keep people well and detect health issues

early to avoid more complicated (and possibly more costly)

medical conditions later in life.

Preventive care includes things like routine physicals,

well-child visits and certain immunizations. For a

schedule of preventive care based on age and gender,

log on to myCigna.com and view the Preventive Health

Coverage Quick Reference Guide. Call Cigna with any

specific questions.

If you paid a portion of the cost for a preventive care visit,

it might have been because:

• You went to a provider for a routine physical covered

as a preventive care visit appropriate for someone

your age. But in the course of that exam, the doctor

ordered additional tests or performed procedures that

aren’t considered “preventive.” Diagnostic tests are

subject to your annual deductible and coinsurance.

• You went to an out-of-network health care

provider and that provider charged more than

the MRC. That additional amount is your

financial responsibility.

Just the basics:Making time for preventive care

n Review Cigna’s list of preventive care services (viewable on myCigna.com).

n Contact Cigna 24/7 at 800-548-3980 with questions.

n Make the most of your preventive care benefits – schedule an appointment with your health care provider today!

n Check Express Scripts’ Preventive Drug List (viewable on express-scripts.com) to see if your prescription drug is included.

n Contact Express Scripts 24/7 at 866-219-1933 with questions about your prescription drug benefit.

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Earning wellness incentive dollars

If you’re enrolled in Option 1 or 2 and opened a Cigna

Choice Fund® Health Savings Account (HSA) through

JPMorgan Chase, you can also earn company contributions

to your HSA in the form of wellness incentive dollars for

completing certain health-related activities by Nov. 1, 2013.*

Your health habits have a big impact on your health! Think

of wellness incentive dollars as a little extra nudge – and

reward – toward your overall wellness efforts.

Prescription drugsAs with preventive care, the preventive prescription drugs

list is based on guidelines issued by the federal government.

Certain prescription drugs that are considered “preventive”

are covered without a deductible, so instead of paying the full

price of the drug, you’ll pay only coinsurance, as follows:

• 15% for generics

• 30% for preferred brands

• 50% for non-preferred brands.

The amount you pay in coinsurance doesn’t count toward

your annual deductible, but it does count toward your annual

out-of-pocket maximum. Whether the amount you pay goes

toward your annual deductible or is considered coinsurance, it

is counted in reaching your annual out-of-pocket maximum.

* Spouses and domestic partners may also earn wellness incentive dollars, but dependent children may not. Medicare participants and participants who have received Veterans Administration benefits within the last 3 months may receive an allowance payment in lieu of wellness incentive contributions to an HSA.

Maximum incentive

If you’re enrolled in Option 1 or Option 2, you can earn up to $500 when you complete the activities or programs described here.

– PLUS –

If your covered spouse or domestic partner participates, you’ll get twice the wellness incentive, up to $1,000. For a quick reference of how to help your spouse or domestic partner earn wellness incentives, visit www.massmutual.com/lhlw.

Note: Eligible smoking-cessation prescription drugs are completely free of charge – no deductible or coinsurance applies.

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Just the basics:Earning wellness incentive dollars

n Complete the health assessment (this is a must-do to receive any wellness incentive dollars).

n Complete a variety of wellness activities to earn up to $500 in wellness incentive dollars. For more information, see the Live Healthy, Live Well Activity Completion Checklist.

n If your spouse or domestic partner is also covered under Option 1 or Option 2, encourage him or her to do all these things, too!

n Complete all activities by Nov. 1, 2012. Note: You must be an active employee both when you earn your wellness incentive dollars and when they are deposited into your HSA.

n Call Cigna directly any time (24/7/365) at 800-548-3980 and visit myCigna.com (click MassMutual Live Healthy, Live Well to access the wellness program details online).

Start earning wellness incentive dollars now. Here’s how:1 | Go to myCigna.com and create a username & password.

2 | Complete My Health Assessment on myCigna.com.

Click “take my health assessment” on myCigna.com

(look for the image of the red apple). It will take you

about 15 minutes to complete. Your spouse or domestic

partner can also do this by going to myCigna.com, click-

ing “Register now” and following the system prompts to

register and complete My Health Assessment. Note:

Taking My Health Assessment is required before you can

earn any wellness incentive dollars! Your information is

kept private and confidential.

3 | Complete a variety of wellness activities earning a maxi-

mum of $500 in wellness incentive dollars (up to $1,000

if your covered spouse or domestic partner also completes

qualifying activities).

Your wellness incentive dollars will be deposited into your

HSA within six weeks after the activity is registered as

completed on myCigna.com or as soon as administratively

feasible. For details, see the Live Healthy, Live Well Activity

Completion Checklist at www.massmutual.com/lhlw.

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Using your Health Savings Account (HSA)

Want to contribute and save before-tax*

dollars that you can spend on qualified

medical expenses? A health savings

account (HSA) allows you to do just that.

Both you and MassMutual can contribute to your Cigna

Choice Fund® HSA (administered by JPMorgan Chase).**

You decide whether to use your HSA dollars for current

qualified expenses – or let your account balance accumulate

from year to year, invest it and use it for qualified medi-

cal expenses you incur in later years. Unlike other benefit

elections, you can change your HSA contributions any time

throughout the year.

Here are three convenient ways to pay for qualified medical expenses:1 | When you receive a bill from your health care

provider, enter your Cigna Choice Fund® HSA debit

card information in the “payment by credit/debit card”

section and mail as directed.

2 | Use your HSA debit card at point-of-service. Use it at

pharmacies and health care provider locations. Simply

present your card when you check out.

3 | Pay your health care bills online using your

HSA. Enroll in the Online Bill Payment Service on

myCigna.com. Schedule one-time or repeating payments

in a few simple steps. You can even reimburse yourself

using this feature, if you paid any expenses out of pocket.

You can also elect auto claim forwarding to your HSA,

reimburse yourself by making a withdrawal at an ATM or

JPMorgan Chase bank office, or write a check from your HSA

(fee applies). Contact JPMorgan Chase for details.

Use your HSA wisely and keep your receipts.Remember, it’s your responsibility to comply with HSA

spending regulations: use your HSA for qualified medical

expenses only. Keep receipts with your tax files so you can

document the appropriate use of these funds for the IRS.

Qualified expenses

Qualified expenses are expenses for medical care, generally as described in Section 213(d) of the Internal Revenue Service Tax Code (viewable at irs.gov) which have not been compensated or reimbursed by insurance or otherwise. Examples of qualified medical expenses include deductibles and coinsurance at doctors’ offices, pharmacies, dentists, vision centers, medical labs, qualified long-term care insurance premiums and much more – including many treatments and medical supplies that traditional health care plans do not cover. See myCigna.com for a summary of expenses.

* The following states currently do not offer favorable tax treatment to HSAs: Alabama, California and New Jersey. Certain states may tax earnings on HSAs; talk with your tax advisor for details.

** Opening an HSA: All employees enrolled in Option 1 or Option 2 who do not have “other health coverage” (as defined by the IRS; e.g., Medicare) can open an HSA. If you choose to open and contribute on an after-tax basis to an HSA at a bank of your choice, know that MassMutual does not contribute to HSAs at other financial institutions.Contributing to an HSA: HSA contributions are taken from the first two pay statements each month, according to your enrollment instructions (for a maximum of 24 pay statements each calendar year). Remember, you can adjust your contributions throughout the year using Employee Center. Monitor your HSA contributions regularly on myCigna.com.

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Limited-use FSAIf you’re enrolled in Option 1 or 2, have

opened an HSA and are contributing to a

health care flexible spending account (FSA), remember it’s a

limited-use FSA. This means you can only use your FSA for

qualified dental and vision expenses. (Be sure to keep your

FSA card when you’ve used up your funds for the year. Do not

throw it out. When you choose to participate in the FSA again,

your card will be reloaded at the beginning of the Plan year. You

will be charged for a replacement card if you throw it away.)

Your FSA is administered by Benefit Concepts, Inc.

Monitor your HSA and change your contributions, if needed.It’s your responsibility to make sure your contributions

PLUS company contributions don’t exceed IRS annual

maximums, which for 2012 are:

• $3,250 (if you cover yourself only)

• $6,450 (if you cover yourself plus one or

more dependents)

• Plus an additional $1,000 in “catch-up” contributions

if you’ll be age 55 or older in 2013.

Check your HSA contributions, distributions and interest frequently:

1 | Log on to myCigna.com.

2 | Select Review my Coverage then Health Savings

Account. Click the HSA link under “Account Balance.”

Change your contributions throughout the year (if needed):1 | Go to Employee Center: http://mmfgonline.massmutual.com

2 | If prompted, enter your username and password.

Username: Type your MassMutual ID, for example:

mm12345.

Password: The same password you use to log on to

Outlook on your computer.

3 | Under Benefits, select Enrollment Event.

4 | Choose Health Savings Act and follow the on-screen

instructions to change your contributions.

Just the basics:Using your Health Savings Account (HSA)

n Decide how (and if) you’ll use the money in your HSA.

n Keep your receipts and all HSA documentation with your tax files.

n Monitor your and the company’s HSA contributions on myCigna.com to ensure you do not exceed IRS limits.

n Increase, decrease or stop your contributions using Employee Center (mmfgonline.massmutual.com) throughout the year, if needed.

n Call JPMorgan Chase directly with questions at 866-524-2483.

Note: There’s an IRS monthly maximum for HSA contributions that comes into play if you’re eligible to contribute to an HSA for fewer than 12 months of the calendar year. Here’s an example of how it works: If you contribute the maximum annual amount up front, and subsequently become ineligible to contribute to an HSA (for example, you drop your HDHP medical coverage, become covered by a non-HDHP plan, receive VA benefits, become covered by Medicare, etc.), any amount that exceeds the pro-rated monthly contribution would be included in your income and subject to a 10 percent additional tax. There are other special rules that may apply. Contact your personal tax advisor for more information.

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Getting answers to your benefit questions

Contacts

Resource Contact with questions about Online TelephoneAyco Financial Network

•Anything related to your finances, including budgeting, saving for retirement, saving for a child’s education and more

www.aycofn.com 866-325-0092 business days between 9 a.m. and 5 p.m., ET, or call for an appointment

Benefit Concepts, Inc. •Flexible spending accounts (FSAs), including qualified expenses

•New or replacement FSA cards•Retiree health reimbursement accounts (RHRA)•COBRA

www.avantserve.com 866-629-6350

Cigna •Medical and dental coverage – what’s covered, what’s not•Preventive care•In-network providers and services•Annual deductible and out-of-pocket maximum•Explanation of Benefits (EOB)•Live Healthy, Live Well points and wellness incentives•24-hour nurse line, health coaching and disease management•Employee Assistance Program (EAP)•New or replacement ID cards (n/a dental; no card needed)

www.myCigna.com 800-548-3980 24/7/365

Express Scripts •Prescription drug coverage and preventive prescriptions – what’s covered, what’s not

•Annual deductible and out-of-pocket maximum•In-network pharmacies•New or replacement ID cards•Pre-approval•Step therapy

www.express-scripts.com 866-219-1933 24/7/365

EyeMed •Vision coverage – what’s covered, what’s not•In-network providers and services•New or replacement ID cards

www.eyemedvisioncare.com 877-217-2539

JPMorgan Chase •Health savings account (HSA) details, including qualified medical expenses

•New or replacement HSA cards

www.myCigna.com 866-524-2483

Liberty Mutual •Short- and long-term disability benefits, family and medical leave and claim process

www.MyLibertyConnection.com (Company Code: “MassMutual”)

888-408-7300

MassMutual Benefits

•General benefit questions, including benefit changes due to a qualified change in status

•Group-term life and dependent life questions

http://mmfgonline.massmutual.comBenefitQuestions@MassMutual.com

866-662-6448 1-5 p.m., ET

Retirement Services •Thrift Plan/401(k) contributions, funds and benefits•Pension Plan benefits

www.RetireSmart.com 800-743-5274

Your Personal Tax Advisor

•Advice on how to maximize your MassMutual benefits and health savings account

Contact your personal tax advisor directly.

© 2012 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

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