Helping You Prepare For Your Upcoming

Health Insurance Enrollment

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About OneExchange

Towers Watson

over

100 years experience

Bringing 9 years of

private Medicare Exchange expertise to bear on Pre65 Healthcare

Personalized options with plans from

a nationwide network of carriers

Ongoing advocacy Enrolled Hundreds of

Thousands of Persons; 94% Customer

Satisfaction Ratings

Proprietary technology gives you safety and security

Licensed advisor provides

knowledgeable guidance

Never a fee for

our service

Over 1-million retirees served across

540+ employers

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Our Service Centers

Salt Lake City, UT

Dallas, TX

Operating hours: Monday – Friday, 8:00 a.m. until 9:00 p.m. Eastern Time

100% Domestic Workforce

Richardson, TX

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Your Experience

Announcement &

Education

Evaluation &

Enrollment

Ongoing

Communications

& Advocacy

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Key Points to Remember

Select an individual or household plan from:

Public Marketplace Towers Watson’s OneExchange

The Public Marketplace is the only place

to receive:

• Premium tax credits

• Cost-sharing reductions

Failure to carry insurance will result in a penalty

OR

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Do You Qualify For Lower Costs?

Number of people in your household

1 2 3 4 5 6

Pri

va

te M

ark

etp

lace

he

alth

pla

ns

You may qualify for lower premiums on a

Marketplace insurance plan if your yearly

income is between…

See next row if your income is at the lower end of this range.

$11,670 -

$46,680

$15,730 -

$62,920

$19,790 -

$79,160

$23,850 -

$95,400

$27,910 -

$111,640

$31,970 -

$127,880

You may qualify for lower premiums AND

lower out-of-pocket costs for Marketplace

insurance if your yearly income is between…

$11,670 -

$29,175

$15,730 -

$39,325

$19,790 -

$49,475

$23,850 -

$59,625

$27,910 -

$69,775

$31,970 -

$79,925

Me

dic

aid

co

ve

rag

e

If your state is expanding Medicaid: You may

qualify for Medicaid coverage if your yearly

income is below…

$16,105 $21,707 $27,310 $32,913 $38,516 $44,119

If your state isn’t expanding Medicaid: You

may not qualify for any Marketplace savings

programs if your yearly income is below…

$11,670 $15,730 $19,790 $23,850 $27,910 $31,970

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Plan Levels of Coverage

Levels of

Coverage

Plan Pays

on Average

Enrollees Pay

on Average [In addition to the monthly

premium]

Bronze 60 percent 40 percent

Silver 70 percent 30 percent

Gold 80 percent 20 percent

Platinum 90 percent 10 percent

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We’ll Help You to Explore & Consider

H

Medical

Coverage

Hospital

Coverage

Prescription

Drug Coverage

Dental

Coverage

Vision

Coverage

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Benefit Advisors

• Licensed / Certified / Appointed

• OneExchange University™

• Objective & unbiased

• 100% domestic workforce

Benefit advisors are available:

Monday – Friday, 8:00 a.m. until 9:00 p.m. Eastern Time

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Discuss Choices with a Benefit Advisor

Application Dispatched

to Carrier

Eligible &

APTC > Company Subsidy

(Decline Subsidy)

Ineligible or

APTC < Company Subsidy

(Use Subsidy)

Pre-65 Retiree (or Spouse)

Public

Marketplace

QHPs w/o

Federal

Subsidy

Private

Exchange

QHPs

+

Application dispatched

to Public Marketplace

Eligibility

Determination for

Federal Advance

Premium Tax

Credit

Public Marketplace QHPs

w/ Federal Subsidy

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Annual Enrollment Period

November 1 – February 15

Enroll during the AEP Coverage is effective

November 1th - December 15th January 1st

December 16th – December 31st February 1st

Between the 1st and 15th of the month First day of the

following month

Between the 16th and the last day

of the month

First day of the second

following month

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Special Election Periods (SEP)

For a 60 day period you may

enroll in a new plan or make a

change to their current coverage.

Certain qualifying future events may allow you to change plans outside of the Annual Enrollment Period

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Education

• How OneExchange will help

• Introduction to the Marketplace

• Make your first contact

Call Toll Free 1+ 844-247-1604

oneexchange.com/Cabot

Health Insurance Marketplace

Guide: Schedule an appointment and

set-up your profile

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Education

Call Toll Free

1+ 844-247-1604

oneexchange.com/Cabot

• What to expect on your

enrollment call

• FAQ’s

• Appointment confirmation

Enrollment Guide: Prepare for

Your Enrollment Consultation

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Health Reimbursement Arrangement HRA

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What is an HRA?

Tax-free account used to reimburse you

for eligible health care expenses — you pay first

and then get reimbursed

No Double-Dipping

If you elect to use the HRA then

you will not be able to claim tax

credits for which you may be

eligible. The Healthcare Benefit

Advisor will review this with you

when you call in to our service

centers

Your HRA funding will be available

January 1, 2015

Unused funds DO roll over

If you are eligible, Cabot Corporation will make an

annual contribution to a Health

Reimbursement Account (HRA)

You may use HRA funding to reimburse

yourself for eligible medical, prescription

drug, dental, and vision premiums, as well as

eligible out-of-pocket healthcare expenses

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Health Reimbursement Arrangement

You may be reimbursed up to the amount available in the HRA!

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Prepare for your call

Have your W-2s

and/or tax return ready Have your Social

Security card handy

Have your doctor and

hospital info ready

Have prescription info

ready – name, dose,

frequency

Preparing for your call with a OneExchange

benefit advisor will help you select the right

coverage for you and your family.

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© 2015 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.

Schedule your call

Contact OneExchange

: 1+ 844-247-1604

• Review the Enrollment Guide

• Gather medical and prescription info

• Call now to complete your profile and to

schedule a discussion consultation; no

cost to you!

We are Ready!