Updated | 5/9/2012

Retiree Choices New Choices

Better ValueNew

Coverage

New Approach to Health Care Coverage

What We’ll Cover Today

• Benito Cachinero, SVP, HR, DuPont• Introducing Extend Health• Understanding Supplemental Medicare Insurance• Next Steps• Questions & Answers

2

Introducing Extend HealthThe Industry’s Largest Private Medicare Exchange

Who is Extend Health?

• Independent company, dedicated to serving Medicare- eligible retirees

• Partner with 75+ health plan carriers to provide you coverage to fit your individual needs and budget

• Objective and Trusted U. S. –based licensed benefit advisors

• Focused on helping each participant make an informed and confident decision

Why Extend Health?

• We are experienced in helping people just like you

• Our services are provided at no cost to you

Plans & Partners

• All Medicare Plan Types

Medicare Advantage Medigap Prescription Drug (Part D)

• Vision • Dental

Select Carrier Partners

You will need to pay your first premium when you enroll…

PART DPLAN

MEDIGAPPLAN

OPTION 1:Medigap Plan + Part D Plan

MEDIGAP (Medicare Supplement)A Medigap plan fills the “gaps” in original Medicare Part A and Part B coverage (i.e., helps pay the difference between your costs and the amount original Medicare pays). These plans provide additional coverage for your doctor visits and hospital stays as well as other expenses not covered by original Medicare.

PART D PLANA Part D plan supplements Medigap to provide prescription drug coverage. These plans help pay for your prescription drug expenses.

MEDICAREADVANTAGE

OPTION 2:Medicare Advantage Plan with Prescription Drug Coverage (MAPD)*

MAPD PLANAn MAPD plan provides an all-in-one plan which bundles your Part A, Part B and prescription drug coverage together with additional benefits. These plans provide coverage for your doctor visits, hospital stays, and prescription drug expenses.

* Note that Medicare Advantage plans are generally network based plans

Educate

Evaluate/Enroll

Manage

The Process

EducationGetting Started Guide

Gather information Current prescriptions and

preferred physicians Current coverage and health

conditions*

Give us a call toll-free at 1-855-535-7140

Visit us online www.extendhealth.com/dupont

* Pre-existing conditions will not limit your plan selection - except end-stage renal disease

EducationEnrollment Guide

• Prepare for your for enrollment discussion

• Review Medicare basics• Appointment confirmation

letter

Decision Support Tools

• Help Me Choose• Prescription

Profiler

Extend Health’s Benefit Advisors

• 100% domestic workforce• Objective advocacy• Neutral compensation• Extend University• Certified and appointed• Average age 43

Hours of OperationMonday – Friday8 a.m. – 9 p.m. Eastern Time

Call Extend Health Toll-Free at

Evaluate and Enroll

1-855-535-7140

Enrollment Process

Benefit Advisors can discuss coverage options with anyone – need to speak to the participant to complete the enrollment

Once you have made a coverage selection, enrollment is conducted via telephone

100% of calls are recorded

Medicare & You

Your Future Coverage

Primary Coverage Medicare Parts A & B

Additional Coverage (Your Choice)

Medigap + Prescription Drug (PDP)

orMedicare Advantage with Prescription Drug (MAPD)

Optional Coverage (Your Choice)

Dental and Vision

Medicare Prescription Drug CoverageFor 2013 (Part D Plan)

Initial CoverageYou pay* Deductible and Co-payments for your plan* Coverage for the first $2,970 in Actual Cost of medications

Coverage Gap – Donut HoleYou pay* 50% of Brand Drugs and 79% of Generics Until out of pocket costs reach $4,750

Catastrophic CoverageYou pay* $2.65 for Generics and $6.60 for Brand Or 5% which ever is greater

Health Reimbursement Arrangement (HRA)

What Is An HRA?

• Tax-advantaged account used to reimburse you for eligible health care expenses

• You must meet DuPont’s eligibility requirements to qualify for HRA

• Your HRA funds will be available January 1, 2013

Who is Eligible?

You are eligible for a Health Reimbursement Arrangement (HRA) account if DuPont currently helps you pay for the cost of your group plan

You received information on your HRA in your announcement package from DuPont

You and your eligible spouse/dependent(s) will have a joint account

Your HRA amount If you have Medical, Rx and Dental coverage or just Medical

and Dental from DuPont TODAY* you’ll receive $1,400 annual allocation (prorated based on the retirees pension adjustment factor)

Participants enrolled in a medical only plan TODAY* will receive $1,200 annual allocation (prorated based on the retirees pension adjustment factor)

Participants enrolled in dental only TODAY* will receive $200 annual allocation (prorated based on the retirees pension adjustment factor)

You must enroll in a plan through Extend Health in order to qualify for your HRA.

Extend Health Benefits Advisors will confirm your HRA amount when you speak with them. *You must maintain coverage through

12/31/2012

HRA Enrollment KitInitial batch mailed in late DecemberOngoing will be mailed prior to beginning of month coverage

beginsConfirms HRA amount Describes eligible expensesIncludes claim and direct deposit request formReminder how to use HRA, where to get support, reminder of

dedicated toll-free line

Health Reimbursement Arrangement (HRA)

DuPont allocates benefit dollars to HRA accounts of eligible participants

Participant HRA

Account

Administered by Extend Health

Participant works through Extend Health to enroll in individual coverage

Participant is reimbursed for healthcare expenses using HRA benefit dollars

Health Reimbursement Account: How It Works

How to File a Paper Claim

Participant pays plan premium

Participant fills out claim form, attaches

proof of payment

Extend Health verifies receipt of

payment and eligibility

Extend Health reimburses customer

EH HRA - Manual Claim Form

How Auto-Reimbursement WorksParticipant pays plan premium to insurance carrier

Insurance carrier forwards receipt of payment to

Extend Health

Extend Health verifies receipt of

payment and eligibility

Extend Health reimburses participant

What is Auto-Reimbursement? Auto-Reimbursement (AR) allows retirees to be automatically

reimbursed for monthly medical and prescription premiums without submitting a claim form or receipt

Auto-reimbursement only applies to premiums paid, not out-of-pocket expenses like copayments, deductibles, coinsurance

AR is NOT available on all plans Due to the timing of Auto-Reimbursement files AR is usually

not the fastest way to get a reimbursement

Next Steps

Before Calling Extend Health

Review Getting Started Guide

Gather Medicare Card, prescriptions, & doctor information

Call Extend Health Toll-Free at 1-888-535-7140

Post Enrollment Customer Service

• Advocacy and support services:—Toll Free number to contact Extend Health

representative—Direct support for claims issues, appeals and network

questions• Renewal process – ability to pick new coverage for future

years – not locked into this year’s coverage choice forever—Enrollment elections are generally for a one year period

• Ongoing enrollment services as retiree or spouse turns age 65

Retirees or Covered Spouses Who Are Not Yet Eligible for Medicare• Dependents who are not yet eligible for Medicare do not need to

take any action at this time

• DuPont-sponsored group programs for pre-Medicare retirees and eligible spouses remain available

• Once you or your spouse/dependents become eligible for Medicare, you will have access to the new individual program, including enrollment support offered through Extend Health

32

What You Need To Do Action required by current participants in DuPont-sponsored group coverage!• Enroll in Medicare Part B if not already enrolled

• Contact Extend Health• Call 855-535-7140 • Schedule a meeting with a benefit advisor• Learn more about the individual coverage options available to

you • Benefit advisors available:

Monday through Friday (Tip! Call on Thursday or Friday, and not on Monday morning)

8:00 a.m. to 9:00 p.m. Eastern Time

33

Questions & Answers