annual enrollment preview guide

Annual Enrollment Preview GuideAnnual Enrollment: November 8 – 19, 2021

2022

ContentsIntroduction . . . . . . . . . . . . . . . . . . .1

Medical . . . . . . . . . . . . . . . . . . . . . . .4

Prescription Drugs . . . . . . . . . . . . .7

Wellbeing . . . . . . . . . . . . . . . . . . . .11

Accounts . . . . . . . . . . . . . . . . . . . .13

Dental . . . . . . . . . . . . . . . . . . . . . . .15

Vision . . . . . . . . . . . . . . . . . . . . . . .16

Other Benefits . . . . . . . . . . . . . . . .17

Questions and Answers . . . . . . . .18

What’s Next . . . . . . . . . . . . . . . . . .19

Get Ready!Annual Enrollment is on its way!Nothing is more important than your health and wellbeing. This year and last year, our total wellbeing has been tested. In our work, in our social lives and when receiving healthcare, we have learned new ways to interact safely. Rio Tinto remains committed to supporting you with resources to maintain and improve your total wellbeing.

Everyone’s needs vary since we are diverse in age, family situations, gender, geography, race, sexuality, and more. That’s why we continue to offer benefits that are flexible enough to meet the varying needs of our employees.

The great news is that there will be no changes to your medical, prescription drug, dental, vision or life insurance and disability benefits for 2022.

This is your chance to review your current benefits and compare them to Rio Tinto’s offerings to make sure you choose the most cost-effective plan that meets your needs. Carrier costs and in-network providers can also change each year, so make sure you’re checking the provider look-up tools and evaluating the best fit for you and your family each year. Remember to get all your care from an in-network provider to avoid out-of-network costs.

Read through the rest of this mailer to learn more about your 2022 benefits options!

Go online for more!

Throughout this guide, point your mobile device’s camera at this image to watch a quick video . Or go to welcome.tellmein2.com .

For California employees…

• We’ve added another healthcare option to fit your needs – visit the benefits website to learn more about the Aetna HMO plan .

• For Boron employees, we’ve added Spouse Life coverage options for you and your family .

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What Should I Be Thinking About Before Enrollment?You can start thinking about your needs now.

TERMS TO KNOWCoinsurance: Percentage of cost of a covered expense that your benefit plan pays once you meet your deductible.

Contribution Amount: What you pay out of your paycheck to pay for your benefits.

Copay: Fixed cost you pay at the time you receive care, like at the pharmacy for a generic drug.

Deductible: Amount you must pay first before your plan pays for a covered service.

Out-of-Pocket Maximum: The most you’ll pay for care during the year. If your expenses reach the limit, your plan will pay 100% of eligible costs the rest of the year.

Preventive Care: Services to help you stay healthy like annual check-ups, immunizations and routine care screenings.

Primary Care: First line of care provided by a provider such as a general practitioner, pediatrician or nurse.

Specialty Care: Care given by providers who have advanced training in particular branches of medicine, like heart or bone health.

On our benefits website, you’ll be able to answer questions like these to get coverage recommendations. It can make enrolling quick and easy. You can also shop for benefits one by one, if you prefer.

Who will I need to cover?

What are my preferences and concerns about my family’s health?

How might I want to budget for my benefit expenses?

Will I participate in wellbeing activities?

Are there specific doctors I want to see?

Besides health care, what other benefits

do I need?

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Health Care is Expensive… How Can I Save Money?What you pay for health care is made up of two parts:

Follow the tips below to help you lower your costs and get the most from your plans!

Do Your Homework!• Choose the right plan and

carrier based on your needs .

• Weigh your other options for coverage .

Put Your Knowledge Into Practice!• Use in-network providers .

• Contribute to tax-advantaged accounts .

• Avoid unnecessary testing or procedures . Don’t be shy to ask your provider questions! There may better alternatives available .

• Use telemedicine or urgent care instead of the emergency room if you’re not having a true emergency .

Take Steps To Improve Your Health!• Get preventive care.

It’s covered at 100% when you use an in-network provider .

• Participate in the wellbeing program. You’ll be getting healthier and earning money at the same time!

• Remember, your total wellbeing consists of physical, emotional, financial and social wellbeing .

Get back to getting preventive care!If COVID-19 put a wrench in your regular preventive care schedule, now is the time to get back to it . Remember that preventive care is covered at 100% when you visit an in-network provider .

Preventive care consists of services like annual physicals, well-child visits, immunizations and routine screenings at certain ages .

Know where to go for careDid you know the Emergency Room isn’t always the best place to go when you need care? It’s the right choice for serious, life-threatening situations—but urgent care can save you time and money, with a fraction of the wait time and up to 80% lower costs .

YOUR CONTRIBUTION AMOUNTThe amount that comes out of your paycheck for your share of health care premiums. It’s determined by whom you cover and what plan and carrier you choose. Rio Tinto pays the majority of this cost.

YOUR OUT-OF-POCKET COSTSYour share of the cost of coverage when you get care, like your deductible and coinsurance amount.

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What Are My Medical Benefit Plan Options?Here’s a first look at your 2022 medical plan choices. Each plan covers both in-network and out-of-network care. In-network benefits are shown below, and out-of-network benefits are shown on our benefits website. Compare your plan options to make sure you choose the most cost-effective plan for you and your family.

WHAT DO “AGGREGATE” AND “EMBEDDED” MEAN?If you cover any family members under your medical plan, you need to understand how the deductible and out-of-pocket maximum are calculated. It’s important because the approach the plan uses determines as to when your benefits kick-in.

Under an aggregate approach, there is one family limit that applies to all of you. When one, or a combination, of you has expenses that meet the family deductible or out-of-pocket maximum, it is considered to be met for all of you. Then, the plan will begin paying its share of eligible expenses for the whole family for the rest of the year.

Under an embedded approach, each person only needs to meet the individual deductible and out-of-pocket maximum before the plan begins paying its share for that individual. (And once two or more family members meet the family limits, the plan begins paying its share for all covered family members.)

Diamond PPO Gold PPO Silver HSA Bronze HSA

Contribution Amount $$$$ $$$ $$ $

Preventive Care 100% 100% 100% 100%

Annual Deductible

• Employee only

• Employee + spouse or children

• Family

$250

$500

$750

$1,000

$2,000

$2,000

$2,000

$4,000

$4,000

$3,225

$6,450

$6,450

Coinsurance 90% 90% 80% 70%

Primary Care Office Visit $15 copay (no deductible)

$25 copay (no deductible)

80% (after deductible)


Specialist Office Visit $15 copay (no deductible)




Emergency Room 90% (no deductible)




Annual Out-of-Pocket Maximum

• Employee only

• Employee + spouse or children

• Family

$1,500

$3,000

$4,500

$2,500

$2,500

$5,000

$4,000

$6,850

$6,850

$6,450

$12,900

$12,900

Deductible and Out-of-Pocket Maximum Type Embedded Embedded Aggregate Embedded

Wellbeing Dollars from Rio Tinto (deposited into an HRA or HSA based on your plan)

Single: $250Family: $500

Single: $500Family: $1,000



Automatic Account Funding N/A N/ASingle: $750

Family: $1,500Single: $750

Family: $1,500

Check out these dollars from Rio Tinto!

Go online for more!

Point your mobile device’s camera at this image to watch a quick video! Or go to deductibles.tellmein2.com .

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Medical Carrier ChoicesWhen you enroll for 2022 medical coverage, you’ll not only choose the plan you want but also the carrier you want. Our medical carriers include:

A carrier is a company that provides customer support, processes claims, and maintains networks of doctors, hospitals and other providers. Network providers make their services available at a discount. That means lower costs for you when you get care in-network.

All of our medical carriers will offer the same medical plan options shown on page 3, except Kaiser Permanente whose plans are different and only available in Southern California.* The carriers have a lot in common, but they’re not all the same. You may find that one may be a better fit for you than others. Also, carrier costs can change each year, so make sure you’re getting the best rates.

How Can You Compare Carriers? Our New Benefits Website Makes It Easy!

Look at cost: Employee contribution amounts vary based on which carrier you choose . You may decide to shop based on price and select a carrier with a lower price tag .

Check your costs for all our medical plans under each carrier . Choose the plan and carrier that work best for your budget .

Check for your doctors: Before you choose a carrier, you’ll want to be sure its network includes the doctors and hospitals that are important to you .

Use the provider look-up tool to see which carriers include your preferred doctors and facilities in their networks .

Compare resources: To make managing your health easier, carriers offer tools and programs like cost look-up tools, telemedicine and nurse line services, care management programs and even gym discounts .

Link directly to each carrier’s website to learn more about the resources they offer . You can also call the carrier directly to talk to a representative .

If you’ll be receiving treatment when your coverage begins with a new carrier, and your existing medical provider is not a network provider with the new carrier, you may be allowed to continue receiving care from your current medical provider under in-network coverage for a period of time. This is referred to as “transition of care.” Check with your new carrier after you enroll to see if transition of care benefits are available to you.

Go online for more!

Point your mobile device’s camera at this image to watch a quick video! Or go to carriers1.tellmein2.com .

* Review the Summaries of Benefits and Coverage (SBCs) on our benefits website for Kaiser Permanente plan details.

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What Should I Know About Medical Carrier Networks?Your carrier’s network is made up of doctors, hospitals and other health care providers that agree to make their services available at a discount. The networks may be classified as broad, select or regional, depending on the carrier you choose and where you live:

• Broad: Includes a large number of doctors, hospitals and other providers across the country.

• Select: Includes a smaller group of doctors, hospitals and other providers than a broad network. Your contribution amount is usually lower if you choose a medical carrier that offers a select network. If your preferred providers are in-network, a select network can be a great choice. If your preferred providers aren’t in-network, out-of-network coverage is available but your costs for care could be much higher than with a broad network.

• Regional: Available through Kaiser Permanente in some locations. If you enroll in a Kaiser Permanente plan, you’ll need to seek care from providers who are in the Kaiser network (except in an emergency), since Kaiser Permanente generally offers only in-network coverage.

Here’s a quick overview of the networks available under each carrier:

Carrier Network Type

Select: Aetna Premier Care (only available in certain areas)Broad: Aetna Choice POS II (offered in non-Premier network areas)

Select: Cigna LocalPlus (only available in certain areas)Broad: Open Access Plus (offered in non-LocalPlus network areas)

Select: N/ABroad: SelectHealth Med (only available in certain areas/Utah)

Select: N/ABroad: Preferred ValueCare / National PPO network

Regional: Regional networks offered where Kaiser Permanente is available

You should always check with your providers directly before services are performed to see if their network status has changed.

Don’t forget to check out the provider look-up tool on our new benefits website! It will help you check to see which carriers’ networks include your preferred doctors and facilities. Get there by visiting myRioTinto.com or RioTintoUSBenefits.ehr.com.

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How Are Prescription Drugs Covered?


Deductible Applies? No No Yes Yes

Retail Pharmacy (30-day supply)

Generic $5 $5 You pay 20% (max $20)

You pay 20% (max $20)

Brand-Name Drugon Preferred Drug List





Brand-Name DrugNot on Preferred Drug List





If you’re in a Kaiser Permanente plan, you’ll continue to receive prescription drugs benefits directly through Kaiser.

Go to the drug cost tool located at express-scripts.com to see how specific prescription drugs are covered. Or call Express Scripts at 1-844-581-1740.

SPECIAL BENEFITS FOR PREVENTIVE DRUGSSome drugs taken to prevent the onset of disease or conditions are considered preventive drugs. There are two categories of preventive drugs.

1. Drugs classified as preventive by the Affordable Care Act. These are covered at 100% — that means no copays and no deductible to meet. These include certain contraceptives and folic acid supplements for women, aspirin for men and women, and low to moderate dose statins (all are subject to certain restrictions).

2. For other preventive care drugs For these drugs, no deductible applies, but you’ll still pay the copay or coinsurance that applies to other covered medications. Examples are certain stroke prevention or blood pressure lowering medications.

All the medical plans (except Kaiser) include coverage for generic and brand-name prescription drugs through Express Scripts. You can get a prescription at an in-network or out-of-network pharmacy or through mail order.

Remember to check your prescription drug formulary. The list of covered drugs can change from time to time.

Get Your COVID-9 Vaccine TodayThe COVID-19 vaccine is safe and effective. If you have not already gotten your COVID-19 vaccine, Rio Tinto encourages you to do so. To find a vaccination site near you and schedule your appointment, visit www.vaccines.gov/search/ .

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TERMS TO KNOW90-Day Retail Pharmacy: A network pharmacy used

to fill long-term prescriptions. Under Rio Tinto’s plan,

you can fill your long-term prescriptions at local

Walgreens pharmacies.

Brand-Name Drug: A drug sold only by the

company that manufactures it until the drug’s patent

expires. After that, generic alternatives may be

available.

Generic Drug: An FDA-approved drug that meets the

same standards for purity, strength, and safety as its

brand-name counterpart. A generic drug is usually a

lower-cost alternative to a brand-name drug.

Long-Term Prescription: A medication that you take

for an extended period of time for a chronic condition.

Mail Order: A program that allows you to receive

your prescriptions through the mail at a reduced cost.

You must use mail order or Walgreens for long-term

prescriptions.

Preferred Drug List: A group of generic and brand-

name drugs your carrier has been found to be

effective in terms of cost, quality and outcomes. Your

costs are usually lower for drugs on a preferred drug

list. These lists vary from carrier to carrier, and your

carrier may refer to the list as a “formulary.”

Short-Term Prescription: A medication that you

take for a limited period of time, usually treating an

acute condition.

Specialty Pharmacy: A network pharmacy where

you can purchase medications used to treat complex

or rare chronic conditions.

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What Else Should I Know About My Prescription Drug Benefits?

Save time and money by understanding the important features of your prescription drug benefits.

Choose generic drugs whenever possible. If you choose a brand-name drug when an equivalent generic drug is available, coverage limits apply.

Your plan will pay only for the cost of the generic drug after any copay that applies and you will pay the remaining cost difference between the generic drug and the brand-name drug, plus a copay. The difference in cost will not apply to your deductible or out-of-pocket limits.

Know if your medications are covered. If your doctor prescribes a brand-name medication and a generic is not available, you’ll save money if it’s a preferred drug. Go to express-scripts.com to see how your drugs are covered.

Understand your options for long-term prescriptions: You can either fill a 90-day prescription at any Walgreens retail network pharmacy or through Express Scripts’ mail order program. If you fill your prescription at any other retail network pharmacy besides Walgreens, a penalty will apply and you will be charged the full cost of the prescription. Plus your cost will not count towards your deductible or out-of-pocket maximum.

Special rules apply to specialty drugs. They are used to treat complex or rare chronic conditions. They are required to be filled through a designated specialty pharmacy. You can only purchase up to a 30-day supply of these medications at one time. You must fill your specialty prescriptions through a specialty pharmacy on your first fill.

Enrolled in the Silver HSA or Bronze HSA Plans? You will pay the full cost of non-preventive prescription drugs until you meet your deductible.

WHAT PHARMACY CAN I USE?It’s important to use an in-network pharmacy to ensure your prescription drugs are covered . Go to express-scripts.com to verify which local pharmacies are in-network . The plan only covers prescription drugs obtained at an in-network pharmacy .

Go online for more!

Point your mobile device’s camera at this image to watch a quick video! Or go to Rx.tellmein2.com .

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What’s the Right Medical Plan for Me?The plan you choose will depend on your preferences about coverage and cost, but here are a few things to consider to help you decide:

Do you want to save tax-free to pay for current and future health care?

Choose one of the plans that comes with a Health Savings Account . Not only will you lower your taxable income,

you’ll also be able to pay for care with pre-tax money now or in years to come!

Is your doctor in the network?

It’s almost always less expensive to go in-network, so use

in-network providers whenever possible .

Do you expect you’ll need several prescriptions during the year?

Some medical plans require you to pay your full deductible amount before most prescription drugs are covered . Other plans let you bypass the

deductible to get coverage for prescriptions right away . But these plans also cost more out of your paycheck .

Would you rather pay less out of each paycheck or

less at the time of care?

Plans with lower contribution amounts may cost you more when you

need care .

Plans with higher contribution amounts

may cost you less when you need care .

How much care do you and your covered dependents expect to use?

If you’ll need mostly preventive and routine care, a higher deductible plan may be the smart choice . You’ll

contribute less from your paycheck, but will still be covered if something unexpected happens .

Preventive care is covered at 100% in-network under all plans . While you may pay more at the time of care, you’ll

be able to use pre-tax dollars on expenses .

If you or a family member will need quite a bit of care to manage a chronic condition or undergo a planned procedure, you may be better off choosing a plan with

copays or a lower deductible . You’ll pay more from each paycheck, but you’ll pay less at the time of care, plus

you’ll reach your deductible faster .

ARE YOU OVER-INSURED?If you choose a plan that provides more coverage than you need, you’re most likely over-insured . It may feel safer to buy a plan with higher benefits, but it’s never smart to pay for something you don’t need . By choosing a plan with lower benefits, you’ll save big on your contributions . And you can put the money you save towards a Health Savings Account to pay for any health care expenses . Plus, you have the option of supplementing your health care coverage with voluntary benefits like Group Accident, Critical Illness and Hospital Indemnity Insurance (see page 17) to give you peace of mind . Take time to consider your needs and make the smart choice for your coverage!

Go online for more!

Point your mobile device’s camera at this image to watch a quick video! Or go to medical.tellmein2.com .

10

WELLBEING

What’s Total Wellbeing?Your wellbeing goes beyond physical health. At Rio Tinto, we want you to thrive physically, but also be financially secure, emotionally balanced and socially connected. When you are at your best, it impacts how you engage at work, with your family and the larger community.

Each of the four areas of wellbeing are interconnected. For example, if you have an emotional issue, this could impact your physical health. High health care costs could lead to financial problems which could create higher levels of stress and impact your social interactions with others.

All Rio Tinto employees and their spouses are eligible to participate in the Virgin Pulse program, even if you aren’t eligible for or enrolled in a Rio Tinto medical plan.

What Should I Know?As soon as the plan year begins, you and your spouse/domestic partner can start earning wellbeing dollars while taking an active roll on your path to wellbeing!

Through Virgin Pulse, our wellbeing partner, you will have access to a personalized online experience and app that can be tailored to you. When you complete activities, you earn wellbeing dollars available to you via:

• Your Health Reimbursement Account (HRA), for Diamond and Gold medical plan participants

• Your Health Savings Account (HSA), for Silver and Bronze medical plan participants

• Virgin PulseCash, for employees not enrolled in a Rio Tinto medical plan. PulseCash can be used to buy items in the Virgin Pulse Store (e.g., fitness tracker) or gift cards for stores such as Amazon, Nike and more.

How Can I Improve My Wellbeing?

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What Activities Can I Do?You can choose activities based on your interests. You’ll earn wellbeing dollars by doing things like:

• Setting your wellbeing goal,

• Completing a health assessment,

• Tracking your activities,

• Getting advice from a health coach,

• Participating in Journeys and challenges,

• And so much more!

Go online for more!

Point your mobile device’s camera at this image to watch a quick video! Or go to virginpulse1.tellmein2.com.

When it comes to improving overall wellbeing, your goals are unique. The Virgin Pulse interactive website will get to know you, discover your goals, and design a personalized experience to support you where you are at on your path to wellbeing.

Don’t miss out on your wellbeing dollars—be sure to complete activities by November!

• Activities completed and logged by Nov. 30, 2021, will count toward your 2021 Virgin Pulse incentive maximum.

• Activities completed and logged after Nov. 30, 2021, may apply toward your 2022 Health Savings Account (HSA) account limits and will be reflected as 2022 contributions on your 2022 W-2 Form.

What’s In It for Me?Whether you want to eat healthier, lose weight, reduce stress, quit tobacco products or something else, wellbeing activities will help you work toward and achieve your goals. And the best part? You’ll get paid for it!

The table below shows how many wellbeing dollars you and your spouse or domestic partner can earn.


Total wellbeing dollars you can earn in 2022 $250 $500 $750 $750

Total wellbeing dollars your spouse or domestic partner can earn in 2022

$250 $500 $750 $750

Employees not enrolled in a Rio Tinto medical plan can earn $500 in wellbeing dollars. Spouses of employees that are not enrolled in a medical plan are not eligible to participate in the wellbeing program.

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How Can I Save for Health Care Expenses?Each medical plan includes an account that helps you pay for out-of-pocket expenses. It’s either a Health Reimbursement Account (HRA) or a Health Savings Account (HSA), depending on which medical plan you choose.

Health Reimbursement Account (HRA)Your account balance grows when you earn wellbeing dollars. Once the wellbeing dollars are in your account, they’re yours to spend on eligible medical and prescription drug expenses.

You can’t make HRA contributions yourself. If you don’t use all your HRA dollars on out-of-pocket medical and prescription drug expenses, the remaining balance rolls over to the next plan year as long as you stay enrolled in a Rio Tinto plan that comes with an HRA. Otherwise, you forfeit any HRA balance.

Health Savings Account (HSA)The HSA is a bank account that you own.* In addition to wellbeing dollars, you can also save your own tax-free money for eligible out-of-pocket medical, prescription drug, dental and vision expenses.

You can contribute up to $3,650 for 2022 if you enroll just yourself in medical coverage, or up to $7,300 if you enroll other family members. And, if you’ll be 55 or older in 2022, you can make an additional “catch up” contribution of up to $1,000.

* You’re responsible for the $2 per month maintenance fee if your account

balance is less than $5,000.

SEE HOW THE HRA COMPARES TO THE HSA HRA HSA

The company adds wellbeing dollars when you participate in wellbeing activities ✔ ✔

You can add your own money, tax-free ✔

You pay no taxes on the money if you use it for eligible expenses ✔ ✔

You get to keep any balance left at the end of the year to use next year ✔ ✔

You keep the balance if you leave the company ✔

You can invest the balance, so your money grows even faster ✔

Go online for more!

Point your mobile device’s camera at this image to watch a quick video! Or go to accounts6.tellmein2.com .

Manage your HSA contributions!

It’s up to you to make sure your total 2022 contributions don’t exceed the annual limit. The limit applies to contributions from the company (including wellbeing dollars) and any of your own contributions. Notify the Rio Tinto Benefits Service Center to stop payroll contributions as you get close to reaching the annual limit.

Remember, HSA dollars never expire – making them a great way to save for future healthcare expenses.

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Other Ways to Save on Your Expenses

Other tax-advantaged accounts, known as Flexible Spending Accounts (FSAs), also let you set aside pre-tax money each pay period to help pay for eligible out-of-pocket expenses. There are two FSAs for health care, and one for dependent care. They are all administered by Health Equity. Don’t forget— use it or lose it! All FSA funds must be used during the calendar year, or they will be forfeited.

• Health Care FSA: Pay yourself back tax-free for eligible out-of-pocket medical, prescription drug, dental and vision expenses. You can contribute to this account if you enroll in a medical plan that includes an HRA, or if you decline medical coverage altogether. The 2022 contribution limit is $2,750. This account isn’t available if you enroll in an HSA-eligible plan, since the HSA also offers tax advantages.

• Limited Purpose Health Care FSA: If you enroll in a medical plan that makes an HSA available, pay yourself back tax-free for eligible out-of-pocket dental and vision expenses. Medical expenses aren’t eligible with this account, since the HSA lets you save tax-free for those expenses. The 2022 contribution limit is $2,750.

• Dependent Care FSA: Pay yourself back tax-free for eligible dependent care expenses like day care, after-school care or home care. The 2022 contribution limit is $5,000 (the maximum may be less for highly compensated employees).

If you leave the company, remember:

• You can take your HSA dollars — they belong to you and they never expire, making them a great way to save for future health care expenses.

• You can’t take your HRA or FSA dollars — you’ll be able to request reimbursement for eligible expenses incurred prior to your coverage end date for 90 days after your coverage end date; any remaining amount after this date will be forfeited.

Remember! To participate in an HSA or FSA in 2022, you must make an election during Annual Enrollment.

14

What Are My Dental Benefit Options?You have three dental plans to choose from. Just like with medical coverage, you can choose the plan and carrier you want. Our dental carriers for 2022 include:

Dental plan benefits are very similar from carrier to carrier, but each carrier has its own network of dentists. Just like with medical coverage, you’ll want to find your dentist in the carrier networks before making your carrier selection. Our benefits website makes that easy with the provider look-up tool.

Gold Silver Copper

Contribution Amount $$$ $$ $

Annual Deductible $50 per person (up to a maximum of $150 per family) $50 individual

Annual Benefit Maximum $2,500 per person $1,500 per person $1,350 per person

Preventive Care, like check-ups(deductible doesn’t apply) 100% 100% 100%

Basic Services, like fillings 90% after deductible 80% after deductible85% after deductible;

100% for palliative care and space maintainers

Major Services, like bridges and inlays 60% after deductible 50% after deductible

50% after deductible; 85% after deductible for

impacted extractions, endodontics and crowns

Orthodontia*(deductible doesn’t apply)

Plan pays 50%,$2,500 lifetime maximum,

adult and child

Plan pays 50%,$1,500 lifetime maximum, child only (under age 19)

Not Covered

*If you or a family member are receiving ongoing services for orthodontia care, be sure to stay in a plan with orthodontia coverage until all

services are complete.

Out-of-network benefits are available, but it pays to stay in-network . That’s because in-network dentists have agreed to provide services at discounts in exchange for the extra patient business they can get by being part of the carrier’s network . Those discounts are passed directly on to you when you use a network dentist, and they can add up to big savings .

Don’t forget to use the tools on our benefits website to help you pick the right plan for you!

15

What Are My Vision Benefit Options?You have two new vision plans to choose from. Just like with medical and dental coverage, you can choose the plan and carrier you want. Our vision carriers for 2022 are:

Vision plan benefits are similar from carrier to carrier, but there are some differences, and each carrier has its own network of vision care providers. You’ll want to find your vision care providers in the carrier networks before making your vision carrier selection. Our new benefits website will help you search.

Gold Silver

Contribution Amount $$ $

Comprehensive Exam, Lenses, Frames 1 per policy year 1 per policy year

Routine/Comprehensive Eye Exam $10 copay $20 copay

Frames $180 allowance per year $130 allowance per year

Single Vision and Bifocal Lenses $10 copay $20 copay

Contact Lenses $180 allowance per year $130 allowance per year

Out-of-network benefits are available, but it pays to stay in-network. More details are available on the benefits website.

16

What Other Protection Might I Need?You have access to a variety of benefits that offer additional peace of mind and help keep you protected:

Critical Illness Insurance

Pays a lump-sum benefit to you, in the event you or your covered dependent is diagnosed with a covered illness or condition on or after your coverage effective date.

Accident Insurance Can help ease the financial impact of an accident. Pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. The benefit amount depends on the type of injury and care received.

ID Theft Protection Equips you with tools to monitor your credit and protect yourself from identity theft and fraud. In the case of an identity breach, the plan provider will take all the necessary steps to restore your good name and credit accuracy. Services include: remediation and restoration, as well as ongoing identity and credit monitoring.

Legal Plan Provides you with free or discounted access to a range of covered legal services for everyday personal legal matters like preparation of wills and trusts, real estate matters, traffic offenses and family law.

Life and Disability Insurance

You may have access to income protection benefits that offer a financial benefit in the event of your injury or death. For certain benefits, Rio Tinto will automatically provide you with company-paid coverage, and you may have the option to purchase additional coverage. Log on to the benefits website to view your income protection benefit options and review your beneficiary designation.

EMPLOYEE ASSISTANCE PROGRAM (EAP)Life can throw a lot at you, from small worries to big concerns . Your EAP benefit, provided by Optum, offers confidential help and support to help you take control of many of life’s challenges .

You have access to:

• Up to six sessions with a face-to-face counselor

• Unlimited phone access with a Master’s level Specialist

• Unlimited online access to information, articles and other helpful tools through liveandworkwell.com (access code: riotinto)

• For legal issues: A no-cost 30 minute legal consultation by phone or in person (25% discount if you hire an attorney)

• For financial concerns: Guidance from a financial advisor to help with debt, foreclosure, financial planning and more

It’s completely confidential—your information is not shared with Rio Tinto or anyone else without your permission . You don’t have to enroll for the EAP—it’s automatically available at no cost to you .

Contact Optum any time you need help—24/7.

• Call 866-480-2808

• Log on to liveandworkwell.com (access code: riotinto)

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Questions? We Have Answers!Here are some answers to a few questions you might have. But don’t forget you can call the Rio Tinto Service Center at 1-800-778-4313 (Monday through Friday, from 6 a.m. to 5 p.m. MT) to get help with any additional questions during Annual Enrollment or throughout the year.

Who can I enroll?Besides yourself, you also can cover eligible dependents, like:

• Your opposite- or same-gender spouse

• Your qualified domestic/civil union partner

• Your eligible dependent children

What happens if I don’t enroll by Nov. 19? If you don’t enroll by 11:59 p.m. Eastern Time on Nov. 19, most of your current coverage and elections will continue — with the exception of the HSA and FSAs. To participate in an HSA or FSA in 2022, you must make an election during Annual Enrollment.

When can I make changes? Annual Enrollment runs from Nov. 8 – 19. It is your opportunity to enroll for 2022 benefits. After Annual Enrollment ends, you only can make changes to your benefit elections within 31 days of experiencing a qualified event.

Examples include:

• Marriage

• Divorce, legal separation or annulment

• Birth or adoption of a child

• Gain or loss of coverage by you, your spouse or dependent

Do I really need health insurance?It may be tempting to go without insurance if you typically don’t need a lot of care. But there are several reasons why it’s important for everyone to have coverage:

• It protects you in the case of unexpected, high medical costs due to an illness or accident.

• You have access to free preventive care when you see in-network doctors.

• You pay lower out-of-pocket costs because your carrier has negotiated discounted rates with in-network doctors. Without insurance, the same service will cost you more.

Make sure you look at all your options for coverage whether it be through Rio Tinto, your spouse/domestic partner, parent, or government programs.

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What’s Next?

Annual Enrollment Begins: During Annual Enrollment, you’ll learn more about your 2022 benefits, see your personalized costs for coverage, and make your benefit elections for next year.

Annual Enrollment Ends: Be sure to make your choices no later than the deadline to get the coverage you want next year.

How to EnrollOur benefits website is your comprehensive resource to learn, enroll and manage your benefits year-round. To get started, log on to RioTintoUSBenefits.ehr.com from an external site. If you are on a device managed by Rio Tinto, log on to myRioTinto.com > myBenefits > Benefits > Health and Welfare Benefits.

From the home page, you can:

• View your profile, including your name and address currently on file, along with any dependents and beneficiaries currently on file under the Profile tab.

• Learn more about your 2022 benefits by going to the “Learn About Your 2022 Benefits” under the Resources tab. There you’ll see other important documents like a Summary of Benefits and Coverage (SBC) for each medical plan and annual notices.

• Watch short videos that describe the benefits.

When you’re ready to enroll, you have a choice of how to select your coverage. You might want to get recommendations or shop on your own. Pick which path is right for you, and you’re on your way!

After you have selected and enrolled in your benefits, you will receive a Confirmation Statement. If you need to make any changes after you’ve received your statement, please contact the Rio Tinto Service Center at 1-800-778-4313 from 6 a.m. to 5 p.m. Mountain Time, Monday – Friday.

Please note: If this is your first time logging on to the site, Willis Towers Watson (WTW) uses a Knowledge-Based authentication process to verify your identity during your account registration/setup. WTW uses a third-party service to pull information from public records to generate the authentication questions. These questions must be answered to set up your online account access. For any questions regarding this authentication process, please contact WTW at 800-778-4313.

Nov. 8

Nov. 19

Remember, you can also opt in to receive text message reminders about your benefits enrollment when you log on to the benefits site.

Go online for more!

Point your mobile device’s camera at this image to watch a quick video! Or go to enroll.tellmein2.com .

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If You Don’t EnrollIf you don’t take action during Annual Enrollment, your current benefit elections will continue, with the exceptions of HSAs and FSAs. You must actively enroll during Annual Enrollment to participate in an HSA and/or FSAs in 2022.

After Annual Enrollment ends, you won’t be able to make changes to your 2022 benefit elections until the next Annual enrollment period, unless you experience a qualified life event (such as getting married or having a baby). You can make HSA contribution changes at any time during the year.

Be sure to take action between Nov. 8 – 19 so that you get the coverage you want for 2022.

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Plan for RetirementGetting ready to retire? Your medical coverage ends at the end of the month in which you terminate your work at Rio Tinto, but you, your spouse and eligible dependents may be eligible for retiree health and welfare benefits like Retiree Life Insurance and/or a monthly subsidy from a Health Reimbursement Account to offset the costs of medical, dental or vision services.

To qualify for retiree benefits if you are a union-represented employee, please refer to your Collective Bargaining Agreement (CBA).

To qualify if you are a non-union represented employee, you must meet the following provisions:

• Your hire or most recent rehire date must be prior to January 1, 2015;

• You must be age 55 and have at least 10 years of service with a U.S. Rio Tinto company, or if less than 10 years of service, must be at least age 65, at the time of your employment ends; and

• You retire from active service, other than deferred vested (active service means you are under active employment status or currently on an approved long-term disability leave).

To avoid missing any important information, be sure to keep your address current even after you leave the company:

• For active employees: Email [email protected] or call 1-801-363-4357 (option 2)

• Health & Welfare retirees: Call the Rio Tinto Service Center at 1-800-778-4313

• 401(k)/RCP/IPP: Call Prudential at 1-844-746-7381

• Pension Plan: Call 1-866-587-6232

For more information about your benefits and what you need to do, contact the Rio Tinto Service Center at 1-800-778-4313, Monday-Friday from 6 a.m. to 5 p.m. MT.

Via Benefits Insurance Services can help you answer retirement health insurance questions including guidance to help you research and enroll in retiree health insurance. Shortly after your retirement effective date, Via Benefits will send an enrollment guide and call you. If you have questions or want to get plan information in advance of this outreach, call Via Benefits at 1-844-887-2801, Monday-Friday from 6 a.m. to 5 p.m. MT.

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Before Enrollment Review this Annual Enrollment Preview.

Collect a list of the doctors and medical facilities you use.

Log on to the benefits website at myRioTinto.com or RioTintoUSBenefits.ehr.com before Nov. 8, and follow the steps to provide additional security to your account.

During Enrollment: Nov. 8 – 19, 2021 Log on to the benefits website at myRioTinto.com or RioTintoUSBenefits.ehr.com

to learn more and choose your benefits. If you’re adding new dependents, have their information handy (like date of birth and SSN).

Choose your beneficiaries for each beneficiary-eligible benefit.

Review medical providers in the carriers’ network.

If applicable, elect a contribution amount for your Health Savings Account (HSA) and/or Flexible Spending Account (FSA).

Once you’ve made your choices, make sure to “checkout” to ensure your elections are processed.

Print your confirmation page and keep it for your records.

After Enrollment Submit Evidence of Insurability (EOI) for life insurance, if applicable.

If you’ve changed carriers or plans, be on the lookout for your ID cards no later than January 1. They may be mailed to your home or you can go online to retrieve them.

In January, make sure you check your paycheck and confirm your deductions.

In January, download the Virgin Pulse app to start participating in challenges and earning wellbeing dollars.

If you have any balance in your current Health Care FSA or current Dependent Care FSA, make sure to submit claims for reimbursement by March 31, 2022. If you don’t meet this deadline, you’ll lose any remaining 2021 dollars.

Your Annual Enrollment Checklist

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Take Advantage of Telemedicine Remember, you can visit with a doctor from the comfort of your home! Connect with a doctor via phone or video

chat to talk about any symptoms you or your family members might have. If necessary, the doctor can even send prescriptions straight to your preferred pharmacy. Log on to myRioTinto.com or RioTintoUSBenefits.ehr.com to learn more.

Wellbeing Dollars Don’t miss out on your wellbeing dollars! Activities completed and logged by Nov. 30, 2021, will count toward your 2021

Virgin Pulse incentive maximum. Activities completed and logged after Nov. 30, 2021, will apply toward your 2022 Health Savings Account (HSA) account limits and will be reflected as 2022 contributions on your 2022 W-2 Form.

Watch Your HSA contributions

It’s up to you to make sure your total HSA contributions for 2021 don’t exceed the annual limit. The limit applies to contributions from the company (including wellbeing dollars) and any of your own contributions. Notify the Rio Tinto Benefits Service Center to stop payroll contributions as you get close to reaching the annual limit.

Remember, HSA dollars never expire — making them a great way to save for future health care expenses!

Use It or Lose It! All Flexible Spending Account funds must be used during the calendar year or they will be forfeited.

You can submit claims until March 31, 2022 for any eligible services incurred between January 1 and December 31, 2021.

Prescription Drugs in the Workplace Many prescription and over-the-counter drugs have the ability to seriously affect safe work performance—for example, painkillers, allergy pills or cold remedies that leave you groggy, or the powerful opiate codeine that is found in Tylenol®. To ensure a medication will not interfere with your fitness for work:

Tell your doctor or pharmacist about the specific type of work you do and ask them whether the prescribed or over-the-counter medication will affect the safe performance of your duties.

Read all of the information that comes along with your medications, including warnings about its potential side effects.

When your medication has the potential to affect safety, ask about alternative medications or speak with HR about modified duties.

If you’re unsure, speak to the prescribing doctor or contact your worksite’s medical or occupational health clinic (if applicable) for further instructions.

Don’t Forget!

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Disclaimer: This guide contains summary information about benefit plans Rio Tinto will offer to benefits-eligible employees for 2022. It is only meant to be viewed as a summary of these benefits but should be considered a summary of material modifications (SMM) as required under ERISA when plan provisions change. If any statements in this guide are inconsistent with applicable laws and regulations or official plan documents and contracts, those regulations and documents will govern. Rio Tinto or its successors reserve the right to amend or terminate any plan, at any time, for any reason. No provision of any benefit plan is to be considered a contract of employment between you and Rio Tinto.

October 2021

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annual enrollment preview guide

Documents