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VillageVitality.DaVita.com1-855-614-0188

BENEFITS ENROLLMENT 2015Make your elections November 3 – 21, 2014

Dear Teammate,

It is time to make your 2015 DaVita benefit elections!

This year we watched as the country adjusted to new healthcare reform laws and the idea of health care exchanges. Even after a year there are still a lot of questions and uncertainty about how healthcare will look in the future. This is why DaVita is pleased to say we will be staying the course, offering teammates the same insurance carriers and coverage levels for 2015.

As you begin preparing to make your 2015 elections, be sure to read this Enrollment Guide and learn about the few things that are changing, including updated 2015 premiums and new technology.

This year’s highlights include continuation of:• The same three Cigna plans, with no change to deductibles or out-of-pocket maximums.• The same Regional plans, including Kaiser, BCBS and Group Health.• DaVita’s Health Savings Account (HSA) funding of $600, $900 or $1,200 for HDHP participants.• DaVita’s Health Reimbursement Account (HRA) funding, up to $800 for Cigna PPO with HRA participants.• Free preventive generic medications through mail-order for Cigna PPO with HRA and HDHP participants.• NEW! DecisionDirect, a simplified decision tool that helps guide you toward the medical plans which best

meet your needs.

I also encourage you to take advantage of the live WebEx training sessions, online benefit comparisons and other available resources before making your benefit elections.

One for All, and All for One!

Laura Mildenberger,Your Chief People Officer

1-855-614-0188

Submit a We Are Well application Oct. 1 – Nov. 30, 2014. Winners will be announced Jan. 7.Application and Questions: People Services Portal > Village Vitality > Benefits & Wellness

VillageVitality.DaVita.com

DaVita’s Open Enrollment, Nov. 3 – 21, 2014

[ ]

BEFORE

AFTER!

pg. 1

Tell us your wellness story. You could win free teammate

health insurance in 2015!Monica lost 40 lbs. and Alfonso lost 45 lbs.

Congratulations! Monica Zavala,

Divisional Coordinator for Pacific Sol Acute and

husband, Alfonso.

We Are Well 2014 WINNER!

Be our next WINNER!

pg. 2

2014 Vitality Points If you haven’t earned them, there’s still time. Teammates and spouses/domestic partners have until Dec. 31, 2014, to earn Vitality Points and receive the base medical premiums, listed above, in 2015.

Vitality PointsAnnual $avings

• Save $800 ($1,600 w/spouse or domestic partner) annually ($30.77 bi-weekly) when you complete all Vitality Points. Premiums will be higher for teammates that do not achieve all Healthy Measurements.

• Teammates and spouses/domestic partners that do not achieve all Healthy Measurements can complete two wellness calls with Cigna Wellness Team at 1-855-BE-WELL-1 or work with your physician to earn all healthy measurement points by Dec. 31, 2014.

• After you or your doctor have faxed your results, allow 3-5 business days for the enrollment site to be updated.

• If you think you might be unable to meet a standard for a reward under this program, contact Onsite Health Diagnostics at VillageVitalityPoints.com or 877-366-7483 and we will work with you.

Live Tobacco Free $100

Complete a Vitality Screening $200

Achieve all Healthy Measurements (or work with Cigna coaches/your physician) $400

Finish Early (Screening by Sep. 30 , 2014) $100

Teammate 2015 Base PremiumsMedical premiums listed below assume you and your covered spouse/domestic partner have earned all Vitality Points in 2014. Base Premiums ~ All premiums are bi-weekly*

HealthFull-Time (per pay period)

Plan FeaturesTM Only TM

+ SpouseTM +

Child(ren) Family

Cigna High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

$31.83 $81.99 $81.24 $122.16• Free preventive generic Rx• HSA automatically funded by DaVita

Cigna PPO with Health Reimbursement Account (HRA)

$38.74 $87.54 $86.10 $131.47• Free preventive generic Rx • HRA funded by DaVita (salary based)

Cigna Basic PPO $70.40 $159.41 $156.17 $250.35 • Highest premium, lowest deductible

Kaiser & Group Health** $63.59 $144.33 $140.75 $227.19 • Regional plans available only in certain states

BCBS of Alabama $63.59 $144.33 $140.75 $227.19 • Available in Alabama only

Empire Blue Cross $82.21 $181.35 $177.54 $283.25 • Available in some New York Counties

Healthcare Reform Tax (reduced) $1.69 $3.38 $5.08 $6.77 • Applicable to all plans

DentalFull-Time & Part-Time

TM Only TM + Spouse

TM + Child(ren) Family

Aetna $9.74 $20.94 $19.48 $30.00

Cigna DMO $9.90 $19.83 $20.59 $31.71

Cigna DPO $17.21 $36.99 $34.40 $52.98

(No change in premiums or carriers)

VisionFull-Time & Part-Time

TM Only TM + Spouse

TM + Child(ren) Family

VSP $3.62 $5.79 $5.90 $9.52

PEOPLE SERVICES

*Part-time premiums are doubled (24-29.99 hours)**Does not include Hawaii

Learn how you can decrease premiums by changing plans. Click the Ways to Save link on the enrollment home page.

pg. 3

We Are Well 2014 WINNER!

2015 Cigna Health Plan Comparison

In-Network Coverage Only

HDHP with Health Savings Account (HSA)

PPO with Health Reimbursement Account (HRA) Basic PPO

DeductibleIndividual: $1,500

Family: $3,000Individual: $1,000

Family: $2,000Individual: $500 Family: $1,000

Out-Of-Pocket Max Individual: $3,000 for all plans Family: $6,000 for all plans — Includes deductible

Preventive Care 100%

Office Visits 80% after deductible

In/Outpatient 80% after deductible

Free Rx, Generic Mail-Order

Over 300 FREE preventive generic medications Not Available

Rx, 30-Day Supply20% after deductible

for all drugs

$5 Generics / 30% Preferred / 40% Non-Preferred, $100 Max Per Rx / Does not count toward deductible

Rx Mail-Order Only, 90-Day Supply

$10 / 25% / 35% $250 Max Per Rx / Does not count toward deductible

Detailed plan information for all regional plans including Kaiser, Group Health and Blue Cross are available on the benefits site.

*Annual Salary is based on hourly rate and standard work hours, as of 10/1/14.

Over the past year and a half, Dana lost over 140 lbs! Her husband also benefited from her healthy cooking and lost over 75 lbs.

DaVita FundingHDHP with Health

Savings Account (HSA)PPO with Health Reimbursement

Account (HRA) Basic PPO

Health Savings Account (HSA)

TM Only: $600 TM + Spouse: $900TM + Child(ren): $900 Family: $1,200

Annual DaVita Salary

TM Only

TM + Spouse

TM + Child(ren) Family

Not Available

less than $30,000 $500 $650 $650 $800

$30,000-$50,000 $250 $325 $325 $400

$50,000 or above

$0, but all teammates eligible to participate in this plan

Health Reimbursement Account (HRA) funding based on annual salary* as of October 1, 2014

Congratulations! Dana Chapman, Regional Office Coordinator at Catori Regional Office

BEFORE

AFTER!

Deadline Nov. 21, 2014

Elect Health and Welfare Benefits • Health, Dental, Vision • Disability and Life Insurance

• Flexible Spending Accounts and Health Savings Account

Add or Drop Dependents

Print your Confirmation Statement

Deadline Dec. 31, 2014

PTO Cash-Out Election

Record Tobacco Status at VillageVitalityPoints.com

Complete Vitality Screening (early completion deadline was Sept. 30 but there’s still time to earn other points)

Complete two Coaching Calls; 1-855-Be Well-1 (if you don’t achieve all Healthy Measurements)

Employee Stock Purchase Plan (ESPP) Election at Workday.DaVita.com

Elect or Change Anytime

DaVita Charitable Donations• DaVita Village Network (DVN)

• DaVita Political Action Committee (DaPAC)• DaVita Village Trust • Dialysis Patient Citizens (DPC)

401(k) Deferral Elections

Designate Life Insurance Beneficiaries

Health Savings Account (HSA) Contribution

Important Dates/Deadlines

Make 2015 Open Enrollment Elections Nov. 3 – 21

Complete Vitality Points Healthy Actions Dec. 31

PTO Cash-Out Election

Employee Stock Purchase Plan Election Dec. 1 – 31

IMPORTANT! If you don’t make elections during Open Enrollment:

• Your Health, Dental, Vision, Life and Disability elections will default to those in effect Dec. 31, 2014.

• Flexible Spending Accounts (healthcare and dependent care) and Health Savings Account (HSA) elections will default to $0.

WebEx Training Schedule (ET)

CLA

SS Understanding Your Benefits

Making Sense of Your Healthcare Dollars

DAT

E /

TIM

E Mon. Nov. 3 @ 3 p.m. ET Mon. Nov. 3 @ 11 a.m. ET

Wed. Nov. 5 @ 11 a.m. ET Wed. Nov. 5 @ 3 p.m. ET

Tue. Nov. 11 @ 3 p.m. ET Tue. Nov. 11 @ 11 a.m. ET

Thu. Nov. 13 @ 11 a.m. ET Thu. Nov. 13 @ 3 p.m. ET

Ask the Experts … Join us to ask your benefit questions.

Thu. Nov. 6 at 1 p.m. ET Wed. Nov. 12 at 3 p.m. ET

WebEx Login: > dva.webex.com > Meeting Center > Select meeting title. Call in # provided during WebEx login. Meeting password: ilovebenefits

All courses are available on StarLearning. Search “BEN” in course catalog.

Enrollment Checklist

pg. 4

Make your elections (unless otherwise indicated) at VillageVitality.DaVita.com | 1-855-614-0188

What’s NEW

MD Live

myCigna.com App

Flexible Spending App

What’s CHANGING1. Full-time status will

be changed from 32 to 30 hours.

2. Critical Illness: 2 levels of coverage to choose from.

3. Healthcare Reform tax has been reduced, see pg. 2.

See pg. 5

1-855-614-01888 a.m. - 8 p.m. ET

Benefits Support Team

In 2015

pg. 5

Coming January 1, 2015

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Critical Illness Plan Enhancements

Available through

- Plan participation is voluntary- Additional benefit option of $20,000- Over 22 covered conditions- A three month pre-existing condition exclusion may apply

My Cigna Mobile

Flexible Spending is Going Mobile- The Reimburse Me app will be available January 1,

2015 for Flexible Spending Account participants- Plan participants will be contacted in December

to set up login access - Download from your favorite app store

MDLive doctors can help you: - Find treatment for minor conditions - Give you a diagnosis- Prescribe medications if needed

Consultations are subject to the plan deductible.

mdlive.com/cignacompanies 1-888-726-3171

Register — It takes 5 minutes1 Register online or by phone 2 Complete medical history3 Request a consultation

- ID Cards- Health Savings Account balance- Claims status and history - Download from your favorite app store

Send a of your receipt for reimbursement.

Registration and consultations available to Cigna participants starting Jan. 1, 2015. 24 Hour Access

MDLIVE provides 24 hour access to board- certified, primary-care doctors and pediatricians by online video, phone or secure e-mail.

INA doctor is always