Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 442 Important Information about your Benefits for 2017 and Beyond Each year, our primary focus is on the health and wellness of our workforce and retirees as well as managing the costs for providing the benefits we offer. To support this initiative, we encourage you to become an educated consumer and take advantage of the wellness programs and other benefits available to you. To manage our costs, we previously communicat- ed that we had undertaken a multi-year strategy to manage benefit costs for our employees, retirees and dependents. Our strategy includes monitoring the usage of our benefit plans to affect our plan design and develop ways to integrate appropriate strategies within our wellness program. The primary factors that drive WSSC’s health care costs are; our older than average employee population, our growing number of retirees, our number of high-cost claimants and an increase in specialty pharmacy utilization and cost. We must pay close attention to, and plan for, the continuous evolution of federal and state requirements that affect our health care and administrative costs. These requirements, in addition to the primary drivers noted above, have become a critically important component of planning for the future of our comprehensive benefit package. Due to good utilization from July 2015 through June 2016 and aggressive negotiations, we will be able to pass on a rate hold for the health and pharmacy plans. Given the national average increase is trending at 6%, this is very good news. However, we must manage expectations and understand that future costs are expected to normalize (not continue to stabilize or decrease). For 2017, we will continue to implement incremental changes to our health and pharmacy plan design. This will include modestly increasing health and pharmacy copays and increasing the member cost share for the most generous and expen- sive plan (UnitedHealthcare POS) by 1 percent. Our wellness program, MyLife Wellbeing, offers you a myriad of options to improve your overall health. For example, we have had a very positive response to the weekly Farmer’s Market and Wellness Fair. We have also had success with workshops and events such as tobacco cessation, diabetes management, financial planning, how to care for a loved one with Alzheimer’s and Tai Chi. In addition, we added new resources (onsite advocate, telephonic life coaching, interactive website and other self-service decision-making tools) to help you learn new ways to enhance your personal and professional self, each and every day. Take an active role in managing your health and wellbeing! We encourage you to read this booklet to learn more about your benefits, attend one of our Open Enrollment Information Sessions and attend the Wellbeing Fair. Life Insurance MetLife Basic Life/Accidental Death and Dismemberment (AD&D) MetLife Supplemental Life MetLife Dependent and/or Spouse Life Flexible Spending Accounts Benefit Strategies Health Care Account Benefit Strategies Dependent Care Account 2017 Benefit Plan Choices Legal Services U.S. Legal Services Vision Plans National Vision Administrators Dental Plans Delta Dental PPO Deltacare USA DHMO Medical & Prescription Plans Kaiser Permanente Kaiser Permanente HMO UnitedHealthcare CVS/caremark Choice Plus POS UnitedHealthcare CVS/caremark Select EPO