InSideExtraNEWS AND BENEFITS INFORMATION FOR NATIONWIDE RETIREES

Foundation gives $1 million for Florence relief

Join us in Alaska for our reunion trip

Dependent eligibility verification

2019 Open Enrollment

Fall 2018

6 Dependent eligibility verification

TABLE OF CONTENTS

4 2019 Open Enrollment is now through November 16

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ANNOUNCEMENTS & TRIPS

AROUND THE COMPANY

12 Memoriam

Columbus retirees reunite at annual picnic10

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15

Retirements

Announcements

2019 Alaska reunion trip11

Foundation gifts $1 million for Florence relief7

Nationwide ranks first in small business insurance customer satisfaction

Targeted site acquired for Scottsdale development9

Innovative solutions to make safer roadways 8

3

The open enrollment period — previously known as annual enrollment — is now open for retirees and dependents eligible for Nationwide-offered retiree health care coverage.

Those who are eligible for coverage should have received an open enrollment packet at their home address that included:

• Personalized enrollment forms

• A guide explaining the enrollment process and the plans being offered in 2019

• A schedule(s) of benefits for each plan you or a dependent are eligible to enroll in

New this year, you also have the option to enroll online through Workday, our new HR system. To learn more about Workday and to logon, visit nationwide.com/workday/retirees

During open enrollment, resources are available to you if you need assistance with the enrollment process or have questions about the plans being offered. A full list of resources and phone numbers is provided in the annual enrollment kit.

Open enrollment dates for both non-Medicare eligible and Medicare eligible are:

Oct. 15 - Nov. 16

Non-Medicare eligible retirees

Non-Medicare eligible retirees and dependents will have the following options available in 2019:

• Health Savings Choice Options 1 and 2

Non-Medicare eligible retirees have until Nov. 16 to make changes.

Medicare eligible retirees

Nationwide will offer the same medical and prescription options that were offered in 2018 to our Medicare-eligible retirees and dependents, and you will continue to have the following options:

• UnitedHealthcare Group Medicare Advantage PPO Plan

• UnitedHealthcare Senior Supplement Plan K

• UnitedHealthcare Senior Supplement Plan F

• UnitedHealthcare MedicareRx for Groups Option 1

• UnitedHealthcare MedicareRx for Groups Option 2

Medicare eligible retirees have until Nov. 16 to make changes.

2019 Open Enrollment is now through November 16

BENEFITS

story continued on page 6

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UnitedHealthcare® Senior Supplement Insurance Plans

UnitedHealthcare® Group Medicare Advantage (PPO) Plan

Your cost for medical plan coverage and services

• Senior Supplement plans pay secondary to original Medicare.

• There are two Nationwide-offered options with different monthly contributions and out-of-pocket costs.

• Plan F – Higher monthly contribution with lower out-of-pocket costs for services.

• Plan K – Lower monthly contribution with higher out-of-pocket costs for services.

• A Medicare Advantage plan is a type of health care plan that contracts with Medicare to provide all of your Part A (hospital) and Part B (doctor) benefits.

• Your monthly contribution will be lowest under this plan, and your out-of-pocket costs for services will be based on the plan's copayments and coinsurance.

Your providers • There is no network of providers. You can go to any provider or hospital for care, as long as they accept original Medicare.

• There is a network of providers, but you have the flexibility to go to providers who are outside the network. You pay the same copayment whether the provider is in the network or not.

• In most cases, the provider will file the claim for you directly with UnitedHealthcare. UnitedHealthcare will then pay the provider directly.

• Note: Non-network providers have the choice to accept the plan or not (except for medical emergencies). Please check with your providers before enrolling in the PPO.

Your medical card at point of service

• You present both your Medicare Health Insurance Card and your UnitedHealthcare Senior Supplement Card when you access care.

• You present only your UnitedHealthcare Group Medicare Advantage PPO card when you access care.

Your medical claims and Explanation of Benefits (EOBs)

• Your provider files claims with Medicare, which forwards any balance to UnitedHealthcare for processing.

• You'll receive an Explanation of Benefits (EOB) from both Medicare and UnitedHealthcare.

• You are billed for your share after the claim has been processed.

• In-network, your provider sends the claim to UnitedHealthcare. You pay your share of the cost.

• Out-of-network, you are responsible for filing the claim with UnitedHealthcare, although many providers will do this for you. You are responsible for paying your share of the cost.

• Out-of-network providers are allowed to "balance bill" the health plan (not you) for excess charges above the Medicare fee assignment. UnitedHealthcare will pay these charges. You are responsible only to pay your copayment.

• You'll receive an Explanation of Benefits (EOB) from UnitedHealthcare.

Your prescription drugs (your contributions for drug coverage are separate from your contributions for medical coverage)

• You should enroll in a Medicare Part D plan for your prescription drug coverage.

• You can choose to enroll in any prescription drug plan. You are not limited to the plans available through Nationwide.

• If you don't enroll in a prescription drug plan when you first become eligible, you may be subject to the Medicare Late Enrollment Penalty (LEP).

• Medicare does not allow an individual Part D plan to be combined with a group Medicare Advantage PPO Plan.

• If you enroll in the UnitedHealthcare Group Medicare Advantage PPO Plan for your medical coverage, your only options for your prescription drug coverage are the two UnitedHealthcare Medicare Rx for Group plans.

• You can choose between a high plan option and a low plan option to help meet your individual prescription drug needs.

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Full details on all the plans, including the cost of each plan, were included in the open enrollment kit you received in the mail.

Comparing Nationwide’s plans for Medicare-eligible retirees

Nationwide offers two types of medical plans to its Medicare eligible retirees and dependents who are eligible to enroll in company-sponsored retiree health care coverage:

• Senior Supplement plans — which pay secondary to your original Medicare coverage using a deductible/co-insurance cost structure

• Medicare Advantage plan — which combines coverage for both hospital and doctor visits under a single plan using a co-pay cost structure

Both types of plans generally cover everything that Medicare covers, but there are differences in cost (both in monthly contributions and out-of-pocket expenses when service is received), access to providers, card use at point-of-service, how claims are handled and prescription drug plans options. More details about each plan, including covered services, out-of-pocket costs and monthly contributions are provided in the retiree open enrollment kit.

If you enroll a dependent in one of the Nationwide-sponsored benefit plans (the “Plans”), you’ll be asked to periodically provide documentation that proves your dependent(s) are eligible to participate. The Plans verified include: medical and life.

Dependent verification is considered a best practice, because it helps identify dependents whose status may have changed over time, like a spouse or a step-child.

Dependent verification helps ensure that the Plans comply with legal requirements and helps manage costs for both participants and the company.

A mass dependent re-verification is expected to be conducted during the first quarter of 2019.

Alight, a third-party vendor, coordinates this verification process on behalf of the Plans. If you have an individual enrolled who needs verified, you will receive a letter at your home from the Alight Dependent Verification Center. Please respond promptly when the documentation is requested to avoid termination of coverage.

Dependent Eligibility Verification

BENEFITS

...continued from page 4

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The Nationwide Foundation gifted $1 million to the American Red Cross in September to help southeastern U.S. residents recover from Florence.

“The ability to respond effectively to a major disaster like the damage caused by Florence is a testament to the experience and preparedness of the American Red Cross,” says Steve Rasmussen, CEO of Nationwide and chairman of the Nationwide Foundation Board of Trustees. “We’ve seen first-hand the Red Cross’ ability and efficiency in providing initial relief and support, and know that our financial gift is the optimal way to help them help others.”

In disaster response situations like Florence where multiple states are affected, the Red

Cross conducts rapid needs assessments and mobilizes emergency supplies like blankets, food, water and blood to prepare communities before the disaster hits, then helps families recover after with shelter and basic needs.

“Support from partners such as the Nationwide Foundation enables the Red Cross to quickly mobilize volunteers, equipment and supplies to provide help and hope to people impacted by disasters and countless other crises,” said Gail McGovern, president and CEO of the American Red Cross. “We deeply appreciate the Nationwide Foundation’s generous donation and longstanding partnership as we work together to support people in need.”

Foundation gifts $1 million for Florence relief

AROUND THE COMPANY

7

AROUND THE COMPANY

We’re delivering value to our commercial auto members through a new partnership with Nexar, a mobility startup focused on promoting safer driving.

The company’s video recording technology provides vehicle-to-vehicle communication that connects directly to a dashcam app and monitors specific driving behaviors like hard braking, fast accelerations and miles driven. The technology can also show footage of accidents and unsafe driving habits.

During a recent pilot in New York City, Nexar dashcams were installed in the fleet vehicles of Nationwide commercial lines client, HASC Center, which is the kind of client that reflects the heart and caring culture of Nationwide. HASC Center is a non-profit agency that provides services – including transportation services – for children and adults with special needs.

Over the course of 16 weeks, the dashcams monitored 20 vehicles collectively operating over 3,000 hours and more than 20,000 miles of mostly city travel.

The pilot results showed that HASC Center drivers demonstrated significantly safer driving habits between the time the program started and when it ended, showing a meaningful decrease in the key driving behaviors identified as most likely to lead to accidents.

“As Nationwide nears its centennial in 2026, we’re doubling down on our innovation efforts to prepare for the next 100 years,” said Scott Sanchez, Nationwide chief innovation officer. “Investing in Nexar is one example of how Nationwide is helping solve consumers’ protection needs in new and digital ways.”

Innovative solutions to make safer roadways

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In addition to being the No. 1 insurer of small commercial business, Nationwide is No. 1 in customer satisfaction with small commercial insurance.

Each year, J.D. Power conducts a survey to measure satisfaction among small commercial insurance customers with 50 or fewer employees. The study ranks overall satisfaction for five factors (in order of importance): interaction; policy offerings; price; billing and payment; and claims.

Nationwide topped the industry with our score of 844 on a 1,000-point scale.

In addition:

• Nationwide is the only carrier among the 11 in the study whose Customer Satisfaction Index ranked among the best for both claims and policy offerings.

• Nationwide ranked first on three of the five rating factors, including policy offerings, price and claims.

Earlier this year, Nationwide also ranked No. 1 in customer satisfaction with Group Retirement Mixed Plan Providers.

Learn more at jdpower.com/awards.

Ziva and Zeus, a pair of German Shepherds from Medical Lake, Washington, are the 2018 recipients of the 10th annual Hambone Award®, honoring the most unusual pet insurance claim of the year.

Ziva and Zeus were found inside an abandoned missile silo after they went missing for 21 days.

Ziva and Zeus were treated by the veterinary team at Pet Emergency Clinic and Referral Center in Spokane, Washington, where the dogs received life-saving care. The Pet Emergency Clinic and Referral Center will be granted a $10,000 Nationwide-funded award through the Veterinary Care Foundation (VCF) to help

treat pets in their community whose owners could not otherwise afford veterinary care.

Ziva and Zeus will receive the coveted bronze Hambone Award Trophy, as well as a Nationwide gift bag filled with toys, treats and various pet supplies.

Nationwide ranks first in small business insurance customer satisfaction

German Shepherds win annual Hambone Award.

AROUND THE COMPANY

9

Columbus, Ohio, retirees met for their annual summer picnic on Aug. 10 at Blendon Woods Metro Park. The group meets bimonthly in Plaza One at 11 a.m. in the cafeteria.

For the full schedule of Columbus events and other reunion events around the country, visit nationwide.com/im-retired/news-retired-events

Retiree Dick Ellwood authored his fifth book: Cop Stories II – Policing Baltimore – A Real Conversation. Ellwood, a former Special Investigations Unit manager in the Maryland, Delaware and D.C. region, retired in 2008. His books are available in bookstores and on Amazon.com.

Anne Waggoner (retired 2011) has published two Christian romance novels since she retired: The Weight of Sorrow and The Ties That Bind. Both are available on Amazon.com in paperback and e-book.

Columbus retirees reunite at annual picnic

Nationwide retiree publishes fifth book

Retiree publishes two novels

REUNIONS AND ANNOUNCEMENTS

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REUNIONS

656 High St., Worthington, OH 43085(614)847-5551• (800)783-7245email: CruiseExperts@magiccruises.comMagicCruises.com/Nationwide

Celebrating 30 Years!

*Prices are per person, based on double occupancy and include your accommodations on the ship, meals and entertainment aboard theship, shipboard gratuities and government taxes. Land & Sea Journey includes all above plus lodging, tour transportation, excursionslisted in the tour description. Airfare/ transfers and optional travel insurance additional. Ships of Bermudan & British Registry.

Attention Nationwide Retirees, Friends & Family

Announcing...

The 2019 Nationwide Retirees Reunion Trip

• Prices start at $1219* for the 7-Night Voyageof the Glaciers Cruise or

• $2369** for the 11-Night Best of Land & Sea• Ask us about Military Bonus Credit!

Ask usfor theBEST currentpromotion!

We invite you to join fellow Nationwide Retirees for an adventure of a lifetime—to our great 49th state! Whether you’ve been to Alaskabefore or it’s on your “bucket list,” you won’t want to miss this magical trip with your friends and family!Princess Cruises’ spectacular 7-Night Voyage of the Glaciers cruiseincludes the highlights of Glacier Bay and Hubbard Glacier, plus visitsto the charming and historical ports of Juneau, Ketchikan and Skagway.Experience the “Heart of Alaska” before the cruise on the 11-nightpackage that includes the 4-Night Denali Explorer Tour and experi-ence the best of land & sea! Start with 2 nights in Fairbanks, 2 nightsat the Denali Princess Wilderness Lodge, followed by travel on adomed-rail car through breathtaking scenery enroute to the ship. Enjoy highlights such as: panning for gold, authentic riverboat cruise,Denali Park tour and more!

• 7-Night Voyage of the Glaciers CruiseSeptember 4-11, 2019. Sail from Whittier, AK to Vancouver, BCon Island PrincessTM

Start your vacation out early by booking a land & cruise package

• 11-Night Journey Including the 4-NightDenali Explorer Tour & CruiseAugust 31–September 11, 2019 including the 7-NightVoyage of the Glaciers Cruise

Ask MAGIC

about optional

pre/post touroptions.

11

Phyllis LoveApril 23Ohio26 years of service

John GambyMay 2New York8 years of service

Gloretta E. JonesMay 4Virginia12 years of service

Gladys MillerMay 17Ohio30 years of service

Gennaro LeoneJune 11New Jersey44 years of service

Dorothy QuillicyJune 27California20 years of service

Betty AisquithJuly 1Maryland39 years of service

Roy OvermierJuly 3Ohio34 years of service

Glenn F. BoiceJuly 5Indiana11 years of service

Mary DoughertyJuly 7Columbus, Ohio22 years of service

James EmertJuly 8Ohio23 years of service

Elizabeth ZimmermanJuly 8Pennsylvania

Salli SublerJuly 10Columbus, Ohio15 years of service

Mary Jane BarnettJuly 11Harlesyville/New Jersey6 years of service

Bonnie RiggleJuly 16Pennsylvania23 years of service

Jose RodriguezJuly 17Florida19 years of service

Erma CraddockJuly 19Ohio15 years of service

Catherine SpagnoliJuly 19Gates McDonald/New York13 years of service

Carl Parkinson July 21South Carolina24 years of service

Joseph Loughlin Jr.July 23Provident Mutual

Eugene MillerJuly 23Ohio36 years of service

Charles O’BrienJuly 23Alabama36 years of service

Doris BeckerJuly 26Pennsylvania38 years of service

Susan CrossJuly 26New York35 years of service

Roger DominguezJuly 30Minnesota4 years of service

Catherine ArthurJuly 31Provident Mutual/Pennsylvania

John R. Diehl IIIAug. 3Harleysville, Pennsylvania16 years of service

Robert L. PaceAug. 4Washington28 years of service

Linda ProitsisAug. 5Columbus, Ohio13 years of service

Please note - Location and years of service are not always available

MEMORIAM

APRIL 2018

MAY 2018

JUNE 2018

JULY 2018 AUGUST 2018

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Elmer StauchAug. 6Columbus, Ohio18 years of service

John RomaineAug. 8New York29 years of service

Wayne SmockAug. 11Ohio29 years of service

James WarlickAug. 12South Carolina20 years of service

Richard FerriAug. 15Rhode Island32 years of service

Vivian CouncilAug. 21Pennsylvania11 years of service

Paula JohnsonAug. 21Harleysville/New Jersey10 years of service

Kenneth RossAug. 26Columbus, Ohio27 years of service

Timothy SkaggsAug. 28Gainesville, Florida32 years of service

Alfred HarringtonAug. 29Connecticut34 years of service

Elsie ReisSept. 5Columbus, Ohio25 years of service

Kent GoreSept. 13Oregon15 years of service

Paul (Myk) CaudySept. 26Columbus, Ohio28 years of service

MEMORIAM continued

SEPTEMBER 2018

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John RutanNewport Beach, California11 years of service

Brian CourtneyColumbus, Ohio35 years of service

Pamela HessColumbus, Ohio40 years of service

LeRoy Johnston IIIColumbus, Ohio30 years of service

Sam LeboldColumbus, Ohio40 years of service

Michael (Mike) NewmanDublin, Ohio32 years of service

Charles W. (Chuck) PriceColumbus, Ohio43 years of service

Robin RaskinScottsdale, Arizona11 years of service

Sam Rivera Tampa, Florida17 years of service

Tyrone RoseGrandview Heights, Ohio27 years of service

Maria Safreed Columbus, Ohio44 years of service

William (Bill) SafreedColumbus, Ohio38 years of service

Donna L. YatesGrandview Heights, Ohio20 years of service

Lauren ArmstrongHarleysville, Pennsylvania39 years of service

Charles C. BarnesRaleigh, North Carolina38 years of service

Doug EckermannDes Moines, Iowa12 years of service

Joy L. FoyeWausau, Wisconsin30 years of service

Richard GandarillasColumbus, Ohio37 years of service

Jackie S. JamesonColumbus, Ohio35 years of service

Vera Gale JonesColumbia, Maryland40 years of service

Lisa LanciaGrove City, Ohio30 years of service

Darla D. LazareColumbus, Ohio15 years of service

Larry MortekEast Amherst, New York27 years of service

Armando RamirezLiverpool, New York17 years of service

Kirk ScheidererColumbus, Ohio26 years of service

James L. ChilenskiColumbus, Ohio22 years of service

Christopher FlatterWausau, Wisconsin33 years of service

Pam FoleyHarrisburg, Pennsylvania33 years of service

Susan (Sue) MasonColumbus, Ohio46 years of service

John Scott WaltersWausau, Wisconsin29 years of service

MAY 2018

AUGUST 2018

OCTOBER 2018SEPTEMBER 2018

RETIREMENTS

Please note - Location and years of service are not always available14

Share your announcements Do you have something you want to share with your fellow Nationwide retirees? This is your chance!

InSide Extra wants to include your announcements in upcoming issues. To be included, send up to 50 words along with your name, location and year of retirement to Jennifer Strawn at suterj1@nationwide.com or by mail to:

InSide Extra c/o Jennifer Sutermeister 1-27-301One Nationwide PlazaColumbus, OH 43215

ANNOUNCEMENTS

ANNOUNCEMENTS

Join us on

FacebookMore than 800 Nationwide retirees have joined us on Facebook. Have you?

Join us! If you have a Facebook account, log in and visit http://tinyurl.com/3gnwqzb.

Or . . . visit http://nationwide.com/imretired and click “Join us on Facebook.”

The group is a private group, so click “Join Group” in the top left-hand corner of the page to join us.

Don’t have a Facebook page? Visit facebook.com to sign up. It’s free.

Are you enrolled in a Health Savings Choice or PPO Plan? Here are some customer service numbers you can call:

• UnitedHealthcare: 800-201-1336 Group #0715014

• OptumRx: www.uhc.com 24 hours a day, 7 days a week 800-201-1336 Specialty Pharmacy (Briova): 866-218-5445

For questions about the Pension Plan (for example, your monthly pension check), call the Nationwide Retirement Center (Fidelity) at 800-238-4015.

You can also find information online at www.netbenefits.com/nationwide.

If you have questions about retiree medical eligibility or enrollment, call the Associate Service Center at 855-550-0411.

For information on your 401(k) savings fund, call Fidelity at 800-238-4015. Representatives are available from 8:30 a.m. to midnight EST, Monday through Friday (excluding New York Stock Exchange holidays). They can answer your questions about the plan. You may also visit their website at: www.netbenefits.com/nationwide.

For claims and all other issues, contact your health plan at the number listed on your health plan ID card.

Contact information for

benefits

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G 9425 10/18

Nationwide, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. ©2018 Nationwide Mutual Insurance Company, All Rights Reserved.

LEGAL NOTICEThis publication provides supplemental information and offers actions you can take to better manage your retirement benefits.

Nationwide reserves the right to change or discontinue any of these benefits and policies. The legal plan documents and insurance policies govern administration and all benefit payments.

If there’s any inconsistent information between this publication and the plan document or insurance policies, the information in the plan document and insurance policies prevails.

One Nationwide Plaza

Benefits, 1-04-403

Columbus OH 43215 2220InSide Extra is published three times a year for Nationwide retirees as a partnership among Benefits Planning, the Associate Service Center and Corporate Communications.

An electronic version of this publication, updated news of retiree events and other information are available at www.nationwide.com/imretired.

If you have questions or suggestions for a future issue, please contact:

Jennifer Sutermeister Corporate Communications One Nationwide Plaza, 1-27-301 Columbus, OH 43215 suterj1@nationwide.com

Presort StandardUS Postage

PAIDDes Moines, IAPermit # 3937

For retirees enrolled in the Nationwide health care plans, the Health Insurance Portability and Accountability Act (HIPAA) requires us to remind you that you can request a copy of Nationwide’s HIPAA privacy notice.

If you’d like a copy, please call the Associate Service Center at 855-550-0411. Or you can view and print an electronic version at www.nationwide.com/imretired.

If you have any questions, please call the Associate Service Center at 855-550-0411. Representatives are available Monday, Tuesday, Thursday and Friday, 8 a.m. - 5 p.m. and Wednesday, 9:30 a.m. - 5 p.m. EST.

Your privacy is important to us

InSideExtraNEWS AND BENEFITS INFORMATION FOR NATIONWIDE RETIREES