2018 Oak Ridge National LaboratoryOpen Enrollment Guide

Open Enrollment is October 11-31, 2017

Real Life. Real Benefits. Real Choices.

DISCOVERWORLDyour of benefits

Below are some reminders to help make your enrollment experience quick and easy.

To enroll: https://portal.adp.comFor enrollment information: https://benefits.ornl.gov/2017

Review and gather your information n Reviewtheenrollmentmaterialswithyourfamily,anddiscussyourbenefitneeds.UseALEXandtheUnitedHealthcareand

Express Scripts Decision Support Tools described on the inside back cover.n Gather the information you need to complete your enrollment.n Toenrollnewdependent(s),youwillneedfirstname,lastname,dateofbirth,andSocialSecuritynumber.SeetheProvide

required documents section on the inside back cover.n Toaddorupdateyourbeneficiaries,youwillneedfirstname,lastname,dateofbirth,relationshiptoyou,andmailing

address.

Log on to https://portal.adp.com1. Click Create Accounttoregister.2. Entertheregistrationcode:ORNL-ENROLL and click Go.3. Enter your name as it appears inside this Guide. 4. Enter the other requested information and click Confirm. n If the prompt indicates that your record was found, click Register Now. n If the prompt indicates your record could not be found, contact the Benefits Service Center at 1-800-211-3622.5. On the Register for Servicespage,enteryourcontactinformation.6. MakeanoteofyourUserID(yourADP-generatedUserID).7. Create a password.8. Select and answer security questions.9. If prompted, read the terms and conditions and select the I Agree check box.10. Click Register (or Register Now).11. YoucannowlogintotheORNLBenefitEnrollmentwebsite.

Make or change your benefit electionsn From the HomePage,clicktheEnroll Now button for Annual Enrollment.n Thisbringsyoutothe Who is Coveredpage.Ifyouneedtoadddependentsorbeneficiaries,clickthecorresponding

buttoninthecenterofthepage. n Once completed, click the Benefitsbuttonintheupperleftandgobacktoyourelectionwindow.n Tomakeyourbenefitelections,selecttheplansyouwishtochangeorupdate.UsetheContinue buttontomovethrough

the plans. n When you’ve made all your elections, click Complete Enrollment.

Confirm your enrollment electionsn Carefullyreviewyourbenefitelections,dependent,andbeneficiaryinformationforaccuracy.n Important:Whenyou’resatisfiedwithyourchoices,clickConfirm Enrollment.n Note: If you select Save and Finish Later,youmustremembertogobackandconfirmyourelections.Otherwisetheywill

not be processed to be effective for January 1, 2018.n Downloadandprintorsavetheconfirmationstatementforyourrecords.Intheeventofadiscrepancy,youwillneedto

provide it to verify your enrollment.n YoucanrevisittheenrollmentwebsitetomakechangesasoftenasnecessaryduringtheOpenEnrollmentperiod.Be

certaintoprintorsaveyourconfirmationstatementeachtimeyoumakechanges.

Enrollment Checklist

(checklist continued on inside back cover)

Logging In1. Go to https://portal.adp.com2.EnteryourUserID(yourADP- generatedUserID).

3. Enter your Password. Your password is theoneyoucreatedduringregistration.

4. Click Sign In.

ORNLWA

299JK 0001

John Doe

P.O. Box 2008

Oak Ridge, TN 37831-6465

000001

299JK 0001 003 004

ORNLWA

299JK 0001 003 004

ORNLWA

Your Current Dependents

If you would like to view your current dependents and their enrollment status, visit the ORNL Benefits Enrollment website,

using the instructions on the inside front cover of this guide.

Your Current Beneficiaries

If you would like to view your designated beneficiaries, visit the ORNL Benefits Enrollment website, using the instructions on

the inside front cover of this guide. You can add, change or update your beneficiaries at any time.

Calendar

October 11: Open Enrollment begins.

October 19: Benefits & Wellness Fair, 10:00 am - 2:00 pm on Main Street, Conference Center.

October 31: Open Enrollment closes at 8:00 pm, ET.

October 31: Rally Rewards Wellness Incentive program (for eligible employees) closes.

January 1, 2018: New coverages and 2018 HSA and FSA accounts (for eligible employees) become effective.

The ORNL Benefits office, located in Building 4007, Second Floor, will be open Monday through Friday from 9:00 am - 3:00

pm during the Open Enrollment period.

ORNL Benefits: 1-865-574-7474 * Toll Free: 1-866-576-7766 * Website: https://portal.adp.com

The information included in this guide does not fully describe all plan provisions. Refer to the Plan Documents for more

information. The Company reserves the right to revise or terminate benefit plans for active and retired employees and

dependents at any time.

Name: John Doe

Personnel Number: 12345

299JK 0001 004 004

ORNLWA

299JK 0001 004 004

ORNLWA

2018 Benefit Options and Costs

Review your 2018 benefits options and costs, and note your benefit choices before you enroll. Your default elections should

appear in bold.

Medical (includes vision and prescription drug) Coverage Category/Cost Per Pay Period

Copayments and coinsurance amounts in all plans will remain the same. The Member Pays the Difference and the Retail

Refill Allowance (RRA) programs remain in place. Note that your RRA count does not reset or start over each year.

Plan Option Employee Only

Employee +

One

Employee +

Two or More

UHC Consumer Choice with HSA $11.65 $23.30 $34.95

UHC Prime Select

$25.45 $50.90

$76.35

No Coverage $0.00 $0.00 $0.00

Health Savings Account (HSA) for Consumer Choice Participants

The 2018 annual HSA contribution limit for individual coverage is $3,450 (a $50 increase from 2017) and $6,900 for all other

coverage levels. Participants age 55 or older may contribute an additional $1,000. The HSA is available to those who

participate in Consumer Choice. ORNL contributes $500 for individual coverage and $1000 for all other coverage levels.

_________ Annual Employee Contribution (maximums and employer contribution varies based on coverage level and age)

Dental Coverage Category/Cost Per Pay Period

Plan Option Employee Only

Employee +

One

Employee +

Two or More

Delta Dental

$1.50 $3.00

$4.50

MetLife Dental $1.60 $3.19 $4.79

No Coverage $0.00 $0.00 $0.00

Flexible Spending Accounts (FSA) - for Eligible Employees

For eligible employees, Open Enrollment is the time to set up Health Care and/or Dependent Care Flexible Spending

Accounts (FSA) for 2018. FSAs are a way to save tax dollars on eligible health care and/or day care expenses. As a reminder,

if you elect Consumer Choice with HSA, you may not enroll in a Health Care FSA.

WageWorks (formerly ADP) will continue as the Flexible Spending Account (FSA) administrator for 2018. New participants in

the Health Care FSA will receive a debit card from WageWorks to use for health care expenses at a doctor or dentist's

office, pharmacy, vision center and hospital. Debit cards for returning Health Care FSA participants will be credited with

the 2018 elected amount.

WageWorks offers a 2-1/2 month grace period, which allows you to file health care and/or dependent care claims for

expenses incurred through March 15, 2019. The grace period allows claims to be filed against any unused balance from the

previous year and helps you avoid losing any money put into an FSA account that has not been spent by the end of the

calendar year. Claims must be submitted to WageWorks by March 31, 2019 to qualify for reimbursement.

Health Care FSA for Prime Select Participants

_________ Annual Employee Contribution up to $2,600 (minimum $100)

Dependent Care FSA

_________ Annual Employee Contribution up to $5,000 (minimum $100)

Legal Insurance

Plan Option Cost Per Pay Period

Legal & Identity Theft Protection $4.32

No Coverage $0.00

Life Insurance

Log on to the ORNL Benefits Enrollment Web Site at https://portal.adp.com to review your personal rates. Also, please

review the documents you received in the mail from MetLife regarding the coverage options available to you, special plan

features and costs for coverage.

You can review and elect your benefits:

¨ Online at https://portal.adp.com

¨ By telephone at 1-800-211-3622

Benefits Representatives are available Monday - Friday, 8:00 am - 8:00 pm and Saturdays from 8:00 am - 5:00 pm

(Eastern), during the Open Enrollment period.

Your 2018 Default Options

The following table shows your benefits plans and costs for 2018, assuming you make no enrollment changes. If you do

nothing during the Open Enrollment period, these elections will remain in effect through 2018. The next opportunity you will

have to make changes is during next year’s Open Enrollment or if you have a qualifying life event during the year. Please

review this information carefully, along with your 2018 benefit options, outlined on the next page of this guide.

Remember, you must enroll in the Health Care FSA, Dependent Care FSA and the Health Savings Account (HSA) each year.

Any 2017 FSA or HSA elections end on December 31, 2017.

The Wellness Credit is not included in the Medical pay period cost.

Plan Name Coverage Pay Period Cost

Medical / Vision / Prescription UHC Prime Select

Employee + Two or More

$76.35

Health Savings Account Must Elect for 2018 $0.00

Dental Plan Delta Dental

Employee + Two or More

$4.50

Health Care Spending Account Must Elect for 2018 $0.00

Dependent Care Spending Account Must Elect for 2018 $0.00

Life Insurance 2X Annual Pay

$154,000

$6.93

Supplemental Life Insurance

1

4X Annual Pay

$308,000

$14.71

Spouse Life Insurance

2

No Coverage $0.00

Child Life Insurance

3

Child Life Coverage

$10,000

$0.15

Special Accident

4,5

Special Accident Coverage

Employee Only-$200,000

$1.89

Legal Insurance with Identity Theft Protection No Coverage $0.00

1

You may elect 1 to 8 times your salary, up to a maximum of $1,000,000. Log on to the ORNL Benefits Enrollment Web Site at

https://portal.adp.com to review your personal rates.

2

You may elect from $10,000 to $50,000 in $10,000 increments for Spouse Life Insurance.

3

You may elect $10,000 in Child Life Insurance.

4

You may elect anywhere from $10,000 to $500,000 in Special Accident Insurance in increments of $10,000. You may cover yourself and

your dependents.

5

For bargaining unit employees, if you have Family coverage, the pay period cost is incorrect. Multiply the pay period cost by 10 for the

correct cost.

Name: John Doe

Personnel Number: 12345

299JK 0001 004 004

ORNLWA

299JK 0001 004 004

ORNLWA

2018 Benefit Options and Costs

Review your 2018 benefits options and costs, and note your benefit choices before you enroll. Your default elections should

appear in bold.

Medical (includes vision and prescription drug) Coverage Category/Cost Per Pay Period

Copayments and coinsurance amounts in all plans will remain the same. The Member Pays the Difference and the Retail

Refill Allowance (RRA) programs remain in place. Note that your RRA count does not reset or start over each year.

Plan Option Employee Only

Employee +

One

Employee +

Two or More

UHC Consumer Choice with HSA $11.65 $23.30 $34.95

UHC Prime Select

$25.45 $50.90

$76.35

No Coverage $0.00 $0.00 $0.00

Health Savings Account (HSA) for Consumer Choice Participants

The 2018 annual HSA contribution limit for individual coverage is $3,450 (a $50 increase from 2017) and $6,900 for all other

coverage levels. Participants age 55 or older may contribute an additional $1,000. The HSA is available to those who

participate in Consumer Choice. ORNL contributes $500 for individual coverage and $1000 for all other coverage levels.

_________ Annual Employee Contribution (maximums and employer contribution varies based on coverage level and age)

Dental Coverage Category/Cost Per Pay Period

Plan Option Employee Only

Employee +

One

Employee +

Two or More

Delta Dental

$1.50 $3.00

$4.50

MetLife Dental $1.60 $3.19 $4.79

No Coverage $0.00 $0.00 $0.00

Flexible Spending Accounts (FSA) - for Eligible Employees

For eligible employees, Open Enrollment is the time to set up Health Care and/or Dependent Care Flexible Spending

Accounts (FSA) for 2018. FSAs are a way to save tax dollars on eligible health care and/or day care expenses. As a reminder,

if you elect Consumer Choice with HSA, you may not enroll in a Health Care FSA.

WageWorks (formerly ADP) will continue as the Flexible Spending Account (FSA) administrator for 2018. New participants in

the Health Care FSA will receive a debit card from WageWorks to use for health care expenses at a doctor or dentist's

office, pharmacy, vision center and hospital. Debit cards for returning Health Care FSA participants will be credited with

the 2018 elected amount.

WageWorks offers a 2-1/2 month grace period, which allows you to file health care and/or dependent care claims for

expenses incurred through March 15, 2019. The grace period allows claims to be filed against any unused balance from the

previous year and helps you avoid losing any money put into an FSA account that has not been spent by the end of the

calendar year. Claims must be submitted to WageWorks by March 31, 2019 to qualify for reimbursement.

Health Care FSA for Prime Select Participants

_________ Annual Employee Contribution up to $2,600 (minimum $100)

Dependent Care FSA

_________ Annual Employee Contribution up to $5,000 (minimum $100)

Legal Insurance

Plan Option Cost Per Pay Period

Legal & Identity Theft Protection $4.32

No Coverage $0.00

Life Insurance

Log on to the ORNL Benefits Enrollment Web Site at https://portal.adp.com to review your personal rates. Also, please

review the documents you received in the mail from MetLife regarding the coverage options available to you, special plan

features and costs for coverage.

You can review and elect your benefits:

¨ Online at https://portal.adp.com

¨ By telephone at 1-800-211-3622

Benefits Representatives are available Monday - Friday, 8:00 am - 8:00 pm and Saturdays from 8:00 am - 5:00 pm

(Eastern), during the Open Enrollment period.

Your 2018 Default Options

The following table shows your benefits plans and costs for 2018, assuming you make no enrollment changes. If you do

nothing during the Open Enrollment period, these elections will remain in effect through 2018. The next opportunity you will

have to make changes is during next year’s Open Enrollment or if you have a qualifying life event during the year. Please

review this information carefully, along with your 2018 benefit options, outlined on the next page of this guide.

Remember, you must enroll in the Health Care FSA, Dependent Care FSA and the Health Savings Account (HSA) each year.

Any 2017 FSA or HSA elections end on December 31, 2017.

The Wellness Credit is not included in the Medical pay period cost.

Plan Name Coverage Pay Period Cost

Medical / Vision / Prescription UHC Prime Select

Employee + Two or More

$76.35

Health Savings Account Must Elect for 2018 $0.00

Dental Plan Delta Dental

Employee + Two or More

$4.50

Health Care Spending Account Must Elect for 2018 $0.00

Dependent Care Spending Account Must Elect for 2018 $0.00

Life Insurance 2X Annual Pay

$154,000

$6.93

Supplemental Life Insurance

1

4X Annual Pay

$308,000

$14.71

Spouse Life Insurance

2

No Coverage $0.00

Child Life Insurance

3

Child Life Coverage

$10,000

$0.15

Special Accident

4,5

Special Accident Coverage

Employee Only-$200,000

$1.89

Legal Insurance with Identity Theft Protection No Coverage $0.00

1

You may elect 1 to 8 times your salary, up to a maximum of $1,000,000. Log on to the ORNL Benefits Enrollment Web Site at

https://portal.adp.com to review your personal rates.

2

You may elect from $10,000 to $50,000 in $10,000 increments for Spouse Life Insurance.

3

You may elect $10,000 in Child Life Insurance.

4

You may elect anywhere from $10,000 to $500,000 in Special Accident Insurance in increments of $10,000. You may cover yourself and

your dependents.

5

For bargaining unit employees, if you have Family coverage, the pay period cost is incorrect. Multiply the pay period cost by 10 for the

correct cost.

ORNLWA

299JK 0001

John Doe

P.O. Box 2008

Oak Ridge, TN 37831-6465

000001

299JK 0001 003 004

ORNLWA

299JK 0001 003 004

ORNLWA

Your Current Dependents

If you would like to view your current dependents and their enrollment status, visit the ORNL Benefits Enrollment website,

using the instructions on the inside front cover of this guide.

Your Current Beneficiaries

If you would like to view your designated beneficiaries, visit the ORNL Benefits Enrollment website, using the instructions on

the inside front cover of this guide. You can add, change or update your beneficiaries at any time.

Calendar

October 11: Open Enrollment begins.

October 19: Benefits & Wellness Fair, 10:00 am - 2:00 pm on Main Street, Conference Center.

October 31: Open Enrollment closes at 8:00 pm, ET.

October 31: Rally Rewards Wellness Incentive program (for eligible employees) closes.

January 1, 2018: New coverages and 2018 HSA and FSA accounts (for eligible employees) become effective.

The ORNL Benefits office, located in Building 4007, Second Floor, will be open Monday through Friday from 9:00 am - 3:00

pm during the Open Enrollment period.

ORNL Benefits: 1-865-574-7474 * Toll Free: 1-866-576-7766 * Website: https://portal.adp.com

The information included in this guide does not fully describe all plan provisions. Refer to the Plan Documents for more

information. The Company reserves the right to revise or terminate benefit plans for active and retired employees and

dependents at any time.

Help is a Phone Call Away

YoucanreceiveassistancewithyourbenefitdecisionsandOpenEnrollmentelectionsbyspeakingtoanexperiencedORNLBenefitsServiceCenterRepresentativewhoisfamiliarwithyourbenefitplans.Simplycall1-800-211-3622,MondaythroughFriday,8:00a.m.to8:00p.m.andSaturdaysfrom8:00a.m.to5:00p.m.ET,excludingholidays.

October 11, 2017 through October 31, 2017

Provide required documentsn Ifyouareaddingnewdependentstoamedicaland/ordentalplan,youwillneedtoprovidethefollowingdocuments: nForyourspouse:acopyofyourmarriagecertificate nForyourchild(ren):acopyoftheirbirthcertificate(s)n Youwillreceiveane-mailandletterwithinstructionsonhowtouploadthesedocumentstoDependentVerificationServices.n IfyourLifeInsuranceelectionrequirescompletingaStatementofHealth,youwillreceiveanemailfromMetLifewith

instructions on how to complete this information.

Look for your Confirmation Statement in the mailn AfterOpenEnrollmentendsonOctober31,2017,aConfirmationStatementshowingyourbenefitsfor2018willbemailed

toyourhome,evenifyoudon’tmakeanyelectionsorchangesduringOpenEnrollment.ReviewtheConfirmation Statement carefully for accuracy.

Real Life. Real Benefits. Real Choices.

Window is FPO, and does not print.Window size: 4” x 1.5”

For More Information

Decision Support Tools

Visit the ORNL Open Enrollment Web Site: https://benefits.ornl.gov/2017 for:n PlanComparisons n PlanPremiums n FAQs n SummaryofBenefitsCoverage(SBCs)

n Visit ALEX, ORNL’s online benefits counselor.ALEXexplainsallyouroptionsinplainEnglishandhelpsyouchoosetheplans that make the most sense for you and your family.

https://www.myalex.com/ornl/2018

n Express Scripts:Youcanreviewthebenefitsundereachplan,compareprescriptioncostsandenteryourownprescriptionsintotheSavingsAdvisor.

Express Scripts: www.express-scripts.com/ornl–orcall1-866-749-0097

n UHC: Youcanaccessthecostestimator,reviewplandetailsandlearnaboutthesupportprogramsavailabletoUHCmembers.

UnitedHealthcare:http://welcometouhc.com/ornl–orcall1-844-234-7925

Open Enrollment is October 11, 2017 through October 31, 2017

ORNL BENEFITS DIRECTORY

ORNL Benefits Enrollment Web Site: https://portal.adp.com FOR QUESTIONS OR MORE INFORMATION ABOUT PLAN COVERAGE, CONTACT THE PROVIDER DIRECTLY OR VISIT THEIR WEB SITE.

MEDICAL UnitedHealthcare 1-844-234-7925 http://welcometouhc.com/ornl UHC members: www.myuhc.com

PHARMACY Express Scripts 1-866-749-0097 www.expressscripts.com

VISION Vision Service Plan (VSP) 1-800-877-7195 www.vsp.com

DENTAL MetLife 1-800-942-0854 www.metlife.com Delta Dental 1-800-524-0149 www.deltadentaloh.com

FLEXIBLE SPENDING ACCOUNTS For general questions duringWageWorks Participant Open Enrollment: Solution Center 1-800-228-5762 https://myspendingaccount.wageworks.com

For Ongoing account questions in 2018: 1-888-557-3156

LEGAL ARAG 1-800-247-4184 www.ARAGLegalCenter.com (access code 18095or)

ORNL BENEFITS SERVICE CENTERToll Free: 1-800-211-3622

TTY Service: 1-800-855-2880 (http://relayservices.att.com)

Window is FPO, and does not print.Window size: 4” x 1.5”

ORNL-AEB-2018-CV-1

ORNL BENEFITS: 1-865-574-7474 • Toll Free: 1-866-576-7766 • Fax: 1-865-241-3213 • Email: ornlbenefits@ornl.govAddress: P.O. Box 2008, MS 6465, Oak Ridge, TN 37831-6465 • Plant Mail: MS 6465