First Data 2017 Annual Enrollment Data 2017 Annual Enrollment - Get Started •Agenda –What’s Coming Up –New Parental Leave Policy –Annual Enrollment –Aon Active Health Exchange

© 2016 First Data Corporation. All Rights Reserved.

First Data 2017 Annual Enrollment Aon Active Health Exchange™ Plenty to Pick From – make it yours

September 2016


First Data 2017 Annual Enrollment - Get Started

•Agenda – What’s Coming Up

– New Parental Leave Policy

– Annual Enrollment

– Aon Active Health Exchange

– Your Medical Options

– Make It Yours

– Your Benefit Resources website for enrollment

– Questions

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What’s Coming Up

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Leading Edge “Parental Leave Policy”

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• First Data understands the importance of new parent relationships and the financial resources it takes to be new parents. The new policy will provide significant financial support for all new parents.

• Primary Caregiver Leave – 12 weeks of leave at full (100%) pay – 8 weeks to be used consecutively – 4 weeks can be used on a floating basis up to six months after birth/adoption; if medically

necessary, floating 4 weeks can be used in 3 month period prior to delivery or adoption

• Secondary Caregiver Leave – 2 weeks of leave at full (100%) pay – Used anytime within six months of birth or adoption

• Eligibility Criteria – All OAs with greater than one year full-time employment

– If both parents are First Data OAs – one is eligible as primary caregiver and other eligible as secondary caregiver

– No requirement to use sick/vacation/personal time before parental leave is paid

– Parental leave runs concurrently with STD and FMLA time

– Effective for new leaves beginning January 1, 2017


Annual Enrollment: October 24 to November 4, 2016

You must take action if you want: • Medical coverage for 2017

– Prescription drug coverage (included as part of medical coverage)

• To contribute to a Health Savings Account (HSA), if eligible, for 2017

• To contribute to a Flexible Spending Account (Health Care or Day Care), if eligible, for 2017

• Elect the Care$ Benefit, (if eligible), for 2017

• Enroll an eligible spouse/domestic partner under your medical coverage

• Certify your tobacco-free status, if enrolling into medical coverage

• Review your other benefits and your beneficiary designations

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What’s Not Changing for 2017

• Dental

• Vision

• Life Insurance

• AD&D Insurance

• Long-Term Disability Insurance

• Accounts – Health Savings Accounts

– Flexible Spending Accounts (Health Care, Day Care, Care$ Benefit)

• Critical Illness & Critical Accident Insurance

• Legal Plan

• Employee Assistance Program

• Eligibility for Benefits – Spousal/Domestic Partner Exclusion

continues (Medical)

– Dependent Verification for new dependents (Medical, Dental, Vision)

• Coverage Tiers – Employee Only

– Employee + Spouse

– Employee + Child(ren)

– Employee + Family

• HealthyFirst Incentives – $550 Wellness Incentive

– $350 Tobacco Free or $250 Tobacco User Surcharge (Medical)

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What Is Changing for 2017

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• Medical Coverage Choices – Aon Active Health Exchange

– Five medical plan options (3 high deductible and 2 PPOs)

– Four to five insurance carrier options (national and regional carriers)

• Health Savings Account (HSA) contribution from First Data is ending – but the funding is being used to directly reduce OA per paycheck contributions.

– This gives OAs the power to decide to put those dollars into the HSA or use as take home pay.

• Annual Medical Deductible is increasing for 2017 medical plans similar to the Standard and Enhanced plans.

– To keep our OAs “whole” First Data is decreasing 2017 medical plan paycheck contributions.

• More Owner-Associate Control – you choose how to use the paycheck savings – put the money into a 2017 HSA, buy-up to a richer plan or use it for other purposes

• New Online Tools

– Aon Active Health Exchange – online shopping site for medical plan selection

– “Make It Yours” website – pre-enrollment medical plan review and pricing


Introducing the Aon Active Health Exchange™

• What is an Exchange? – Online insurance marketplace where you will shop for medical coverage

– Offers you lots of medical coverage choice and competitive pricing

– Competitive marketplace that consists of suppliers and buyers.

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Overview video on the Make It Yours website

Exchange


Why Change to the Aon Active Health Exchange?

Health care costs remain one of the biggest expenses for both First Data and you.

• Aon’s Aon Active Health Exchange Provides a Better Solution: – More medical plan and carrier choices for you – First Data can continue to help you pay for medical coverage – Helps slow the trend of rising healthcare costs through free-market competition – More predictable healthcare costs for the company

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Aon Active Health Exchange Basics

New Medical Coverage Options • Five “metallic” medical coverage levels to choose from:

– Bronze, Bronze Plus, Silver, Gold, and Platinum

New Insurance Carrier Options • Four or five insurance carriers to choose from:

– National: United Healthcare, Aetna, Cigna, Anthem (BCBS)

– Regional: Kaiser, Health Net, Group Health, Dean, Geisinger, UPMC

• Each insurance carrier offers the same five medical plans, however each carrier sets their own premium rates

• Carrier premiums vary by 22 regions across the country

• Provider network and pharmacy formulary varies by each insurance carrier

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Insurance carrier video on Make It Yours website

Coverage level video on the Make It Yours website


Aon Active Health Exchange Basics Generous Company Contributions • Contribution (or credit) from First Data to purchase medical coverage

• Credit does not change based on metallic level or insurance carrier

• Allows owner-associate to buy up or buy down to best fit need – Owner-associate paycheck contribution based on metallic level, carrier, coverage tier,

geography and salary band

• Owner-associate’s earning under $85,000: – 2016 payroll deduction for Standard plan is flat for the 2017 Bronze Plus plan –

adjustment for the eliminated company HSA deposit, and increased deductible lowers the 2017 cost for Bronze Plus, however you may need to switch carriers to get the lower rate

• Owner-associate’s earning at/over $85,000: – 2016 payroll contribution for Enhanced plan is flat for the 2017 Silver plan –

adjustment for the eliminated company HSA deposit, and increased deductible lowers the 2017 cost for Silver, however you may need to switch carriers to get the lower rate

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Your Medical Options

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Medical Coverage Levels

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1Some insurance carriers in CA, CO, DC, GA, MD, OR, VA, and WA cover in-network benefits only.

See costs during Annual Enrollment on Your Benefits Resources at www.firstdatabenefits.us., or go to https://firstdata.makeityoursource.com, now!

KEY FEATURE BRONZE, BRONZE PLUS, AND SILVER GOLD PLATINUM

Type of Coverage High-deductible health plan option PPO PPO Covers in-network and out-of-network care1

Covers in- or out-of-network care

Payroll Contributions

Lower Higher Highest

Out-of-Pocket Costs

Higher Lower Lowest

What You Pay for In-Network Prescription Drugs

You pay 100% until you reach the deductible; then you pay coinsurance until you reach the out-of-pocket maximum

Copays for all prescription drugs; no deductible


HSA Yes No No

Price video on the Make It Yours website

http://www.firstdatabenefits.us/

https://firstdata.makeityoursource.com/


Choice of Medical Coverage Levels

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Aon Active Health Exchange Plan Name

Bronze Bronze Plus Silver Gold Platinum

Plan Deductible(including Rx)

$3,000 / $6,000 $2,250 / $4,500 $1,500 / $3,000$600 / $1,200

(Rx None)None

Coinsurance 20% 20% 20% 20% 0%

Out-of-Pocket Max(including Rx)

$5,950 / $11,900 $3,575 / $7,150 $3,575 / $7,150 $3,500 / $7,000 $1,500 / $3,000

Participant Cost Sharing

Primary Care / Specialist 20% 20% 20%$20 / $35

copay$20 / $35

copay

Emergency Room 20% 20% 20% 20% $100 copay

Hospital per Admission 20% 20% 20% 20% $250 copay

Prescription Drugs

Retail 20% 20% 20%$8 / $30 / $50

copays$4 / $20 / $40

copays

Mail Order 20% 20% 20% 2.5x Retail 2.5x Retail

Plan Type HSA-Eligible HSA-Eligible HSA-Eligible PPO PPO

Family ded/OOP Type Traditional True Family True Family Traditional Traditional

Preventive care, such as routine physicals, immunizations, and screenings, is covered at 100%, subject to age and frequency limits, and with no deductible required.

True family deductible means entire family deductible must be met before carrier will pay benefits for any covered family Member (there is no ‘individual deductible”). Traditional deductible means once a covered family member meets the individual deductible, carrier will begin paying benefits for that family member.


Paycheck Contributions – The Math

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Salary Band < than $40K $40K - $85K

Standard to Bronze Plus Standard to Bronze Plus Monthly: Employee Only Family Employee Only Family

2016 and 2017 Payroll Contribution Rate

$93.08 $288.95 $104.07 $348.89

Adjustment for HSA Company Deposit*

($41.66) ($83.33) ($25.00) ($50.00)

Adjustment for Increased Deductible**

($20.83) ($41.67) ($20.83) ($41.67)

2017 Payroll Contribution Rate for “Lowest Cost Carrier”

$30.59 $163.95 $58.24 $257.22

*Elimination of the annual HSA company deposit: $500 employee only / $1,000 family for <$40K; $300 employee only/$600 family for $40K - $85K

**Increase in annual deductible levels: $250 employee only / $500 family from Standard to Bronze Plus

• Paycheck contribution for similar plan option held flat to 2016 and then First Data provided adjustments for: – Elimination of Health Savings Account (HSA) automatic contribution – Increase in deductible

• Net increase in net take home pay if similar medical option with low cost carrier is selected – Money in your pocket to contribute to HSA, buy-up coverage or spend your way


Paycheck Contributions – The Math

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Salary Band $85,001k - $125k $125,001k - $200k Enhanced to Silver Enhanced to Silver

Monthly: Employee Family Employee Family

2016 and 2017 Payroll Contribution Rate

$206.94 $701.06 $218.92 $751.06

Adjustment for HSA Company Deposit*

($12.50) ($25.00) ($12.50) ($25.00)

Adjustment for Increased Medical Deductible**

($16.66) ($33.33) ($16.66) ($33.33)

2017 Payroll Contribution Rate for “Lowest Cost Carrier”

$177.78 $642.73 $189.76 $692.73

*Elimination of annual HSA company deposit: $150 employee only/ $300 family for $85,001K - $200K

**Increase in annual deductible levels: $200 employee only / $400 family from Enhanced to Silver

• Paycheck contribution for similar plan option held flat to 2016 and then First Data provided adjustments for: – Elimination of Health Savings Account (HSA) automatic contribution – Increase in deductible

• Net increase in net take home pay if similar medical option with low cost carrier is selected – Money in your pocket to contribute to HSA, buy-up coverage or spend your way


Pricing Exhibit < $40,000K Region: Plains (NE, CO, KS, MO)

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2017 Contribution Rates – EE Only Bronze Bronze Plus Silver Gold Platinum

Aetna $ 100.84 $ 139.09 $ 202.35 $ 367.90 $ 554.64

Anthem $ 24.36 $ 151.49 $ 745.94 $ 937.35 $1,177.43

Cigna $ 20.00 $ 66.61 $ 116.39 $ 281.53 $ 442.43

United $ 20.00 $ 30.59 $ 57.00 $ 187.69 $ 331.96

Kaiser $ 20.00 $ 20.00 $ 20.00 $ 47.82 $ 142.44

2016 EE Contribution $ 93.09 $ 141.35

2017 Contribution Rates – EE + Family Bronze Bronze Plus Silver Gold Platinum

Aetna $ 378.22 $ 494.88 $ 687.82 $1,192.73 $1,762.31

Anthem $ 144.95 $ 532.70 $2,345.77 $2,929.57 $3,661.82

Cigna $ 84.02 $ 273.83 $ 425.64 $ 929.33 $1,420.07

United $ 80.00 $ 163.95 $ 244.51 $ 643.10 $1,083.13

Kaiser $ 80.00 $ 80.00 $ 80.00 $ 216.50 $ 505.10

2016 EE Contribution $ 288.95 $ 433.74


Pricing Exhibit $40K - $85K Region: Plains (NE, CO, KS, MO)

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2017 Contribution Rates – EE Only Bronze Bronze Plus Silver Gold Platinum

Aetna $ 128.49 $ 166.74 $ 230.00 $ 395.55 $ 582.29

Anthem $ 52.01 $ 179.14 $ 773.59 $ 965.00 $1,205.08

Cigna $ 32.03 $ 94.26 $ 144.04 $ 309.18 $ 470.08

United $ 20.00 $ 58.24 $ 84.65 $ 215.34 $ 359.61

Kaiser $ 20.00 $ 20.00 $ 20.00 $ 75.47 $ 170.09

2016 EE Contribution $ 104.07 $ 164.40

2017 Contribution Rates = EE + Family Bronze Bronze Plus Silver Gold Platinum

Aetna $ 471.49 $ 588.15 $ 781.09 $1,286.00 $1,855.58

Anthem $ 238.22 $ 625.97 $2,439.04 $3,022.84 $3,755.09

Cigna $ 177.29 $ 367.10 $ 518.91 $1,022.60 $1,513.34

United $ 123.29 $ 257.22 $ 337.78 $ 736.37 $1,176.40

Kaiser $ 80.00 $ 80.00 $ 80.00 $ 309.77 $ 598.37

2016 EE Contribution $ 348.89 $ 529.88


Getting Ahead With an HSA – A Refresher!

If eligible, you can contribute to an Health Savings Accounts and use the money to help pay your deductibles, copays, and coinsurance. Or, pay for your expenses out of pocket and save your HSA funds for later.

• To be eligible, you must be: – Enrolled in a Bronze, Bronze Plus, or Silver medical coverage level (high deductible

health plans)

– Not enrolled in Medicare

– Not used veteran’s administration (VA) medical benefits for a non-service – connected disability during the prior three months

– Not claimed as a dependent on someone else’s tax return

– Not covered by any other health insurance plan, such as a spouse’s plan

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Getting Ahead With an HSA – A Refresher!

• Contributing to an HSA – For 2017, pre-tax payroll contributions, up to $3,400 for individual coverage and

$6,750 for covering you and your dependents

– Catch-up contributions up to $1,000/year if age 55 or older (or will reach age 55 during the plan year)

• Using your HSA – Pay qualified expenses like deductibles, copays, and coinsurance

– Use your HSA debit card or pay cash and submit a reimbursement claim

– The funds in your HSA are yours to keep

– Manage your HSA account and check your balance at www.payflex.com

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http://www.payflex.com/


Make It Yours

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How to Prepare for Annual Enrollment

You must participate in the Annual Enrollment process to have medical and prescription drug coverage in 2017, or you will default to “no coverage”

Key Factors to Consider When Choosing a Medical Coverage Level: 1. Price – what is my paycheck contribution?

2. Your doctors – are they in the insurance carrier’s network?

3. Your prescriptions – how are my medications covered by the carrier?

4. Unique services

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Lots of Pre-Enrollment Resources Available Now!

• Make It Yours website: – https://firstdata.makeityoursource.com – Watch videos

– Read medical plan details (Reference Guide)

– Read Frequently Asked Questions

– Visit carrier preview sites and 800 telephone numbers

– Link to the Medical Pricing Tool

• Medical Pricing Tool: – Compare medical plan costs

– Review health plan comparison charts

– Case-sensitive access code required

• Carrier Preview Sites − Learn about the carriers, ask them questions, look up

providers and review their pharmacy formulary list

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Pre-Enrollment Tools: Read the Reference Guide

• Details of all your First Data Health and Life benefit plans:

– Medical

– Dental

– Vision

– Life and Disability

– Health Savings Accounts/Flexible Savings Accounts

– Critical Illness and Accident Insurance

– Legal Plan

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Take Action During Annual Enrollment

• Key dates and events to remember: – October 3: Make It Yours website available (https://firstdata.makeityoursource.com)

• Prepare yourself now so you are ready to Take Action!

– October 24: Annual Enrollment begins (https://www.firstdatabenefits.us/)

– November 4: Annual Enrollment ends

– December 6: Use the Transition Worksheets and HSA User’s Guide (for those enrolled in a Bronze, Bronze Plus, or Silver medical plan) available on the Make It Yours website

– December 31: New member ID cards from your insurance carrier have arrived at your home address (one card for medical and prescription drugs)

– January 1: Your medical coverage begins

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You must participate in the Annual Enrollment process to have medical and prescription drug coverage in 2017, or you will default to “no coverage”


https://www.firstdatabenefits.us/


Enrollment Decision Support Tools (within YBR)

1. Decision Direct – your answers to questions are used to make a metallic level recommendation

2. Doctors and Facilities search – search for providers (doctors/hospitals) across carriers

3. Prescription Coverage – determine whether a prescription medication is within a carrier’s formulary and average wholesale price (when provided)

4. Health Plan Comparison Chart (HPCC) – compare plan option(s) available by each carrier offered within your geographic area

5. Compare Coverage Levels – side-by-side view of plan provisions across metallic levels

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Enroll Through Your Benefits Resources

• Enroll between October 24 and November 4 – Log on to www.firstdatabenefits.us

– Click on the blue Your Benefits Resources box in the upper left corner to enroll and follow the prompts

• Same site, new user experience!!

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If You Don’t Enroll

No medical or prescription drug coverage No tobacco-free incentive but $250 tobacco surcharge No saving money through an HSA No saving money through an FSA No Care$ Benefit



Make Your Choices for 2017

• Choose who you want to cover

• Choose your medical coverage level and insurance carrier – If you enroll in a Bronze, Bronze Plus, or Silver

medical option, you’ll have the option to contribute to an HSA

• Review your other benefit elections (don’t forget to certify tobacco-user status)

• Confirm your elections and submit

• Print your “Successfully Completed” page (for your records)

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Annual Enrollment: October 24 to November 4, 2016

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You must take action if you want: • Medical coverage for 2017

– Prescription drug coverage (included as part of medical coverage)

• To contribute to a Health Savings Account (HSA), if eligible, for 2017

• To contribute to a Flexible Spending Account (Health Care or Day Care), if eligible, for 2017

• Elect the Care$ Benefit, (if eligible), for 2017

• Enroll an eligible spouse/domestic partner under your medical coverage

• Certify your tobacco-free status, if enrolling into medical coverage

• Review your other benefits and your beneficiary designations


If You Need Help • Call First Data’s Health and Life Help Desk at 1.800.965.2238 – Representatives are available 8:00 a.m. to 6:00 p.m. CT

• Call your medical insurance carrier – They know their plans best

– They have final authority on claims, billing disputes, etc.

– Pre-enrollment 800 toll free numbers at Make It Yours site

• Have a medical or prescription drug benefits issue starting January 1? Connect with an advocate – Available through First Data’s Health and Life Help Desk

at 1.800.965.2238

– Representatives are available 8:00 a.m. to 6:00 p.m. CT

• Starting January 1, advocates provided by Aon can help you with resolving medical benefits issues

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Questions?

Questions about your benefits? Check out the FAQs on the Make It Yours website You can contact the medical insurance carriers directly if you have questions about covered services


Questions?

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Appendix

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Benefit Plan Comparison – Notable Highlights

Provision Coverage (Bronze, Bronze Plus, Silver, Gold)*

Fully Insured Aon Exchange

Current First Data Medical

Bariatric Surgery 80% covered after deductible Yes Not covered

Applied Behavioral Analysis (Autism)

80% covered after deductible Yes Not covered

Hearing Aids, Hearing Evaluations

80% covered after deductible Yes Not covered

Treatment to Restore Fertility

80% covered after deductible; limited to $15,000 medical lifetime maximum; fertility drugs limited to $5,000 Rx lifetime maximum.

Yes Yes ($5,000 medical lifetime limit; no Rx limit)

Gender Dysphoria (counseling, hormone replacement, surgery)

80% covered after deductible; surgery limited to $75,000 medical lifetime maximum.

Yes Yes (once per lifetime; no dollar limit)

Prescription Drugs 90 day supply at retail (no mandatory mail order) Yes No (mail order is mandatory for 90 day supply)

Prescription Drugs Deductible waived for preventive maintenance drugs (non-ACA)

No Yes (deductible is waived)

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* Platinum – covered; cost share based on place of service


California Only: Medical Coverage Levels

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KEY FEATURE BRONZE, BRONZE PLUS, AND SILVER GOLD GOLD II PLATINUM

Type of Coverage

High-deductible option1 PPO

HMO PPO2

Covers in-network care and limited benefits for out-of-network care

Covers in- or out-of-network care

Covers in-network care only

Payroll Contributions

Lower Higher Higher Highest

Out-of-Pocket Costs

Higher Lower Lower Lowest

What You Pay for In-Network Prescription Drugs

100% up to the deductible; then coinsurance until you reach the out-of-pocket max




HSA Yes No No No

1Health Net (Northern California) and Kaiser Permanente cover in-network benefits only. 2Cigna, Health Net, and Kaiser Permanente cover in-network benefits only. See costs during Annual Enrollment on Your Benefits Resources at www.firstdatabenefits.us., or go to https://firstdata.makeityoursource.com, now!



Documents

First Data 2017 Annual Enrollment Data 2017 Annual Enrollment - Get Started •Agenda –What’s Coming Up –New Parental Leave Policy –Annual Enrollment –Aon Active Health Exchange