1. OFFICE VISITS $0 PREVENTIVE $25 PCP $40 SPECIALIST PRESCRIPTIONS $10 GENERIC $35 OR 50% FOR PREFERRED OR NON-PREFERRED BRAND FACILITY BASED EXPENSES $1000 PER YEAR DEDUCTIBLE THEN 20% TO $3,000 OUT OF POCKET LIMIT IN NETWORK SERVICES DEDUCTIBLE SHOWN IS PER PERSON, MAXIMUM IS x3 FOR A FAMILY THE HDC1000 TRADITIONAL PPO PLAN

2. PART 1 – PREVENTIVE CARE ALL NETWORK PREVENTATIVE CARE (I.E., PHYSICALS, OB/GYN EXAMINATIONS, WELL CHILD CARE, IMMUNIZATIONS AND SCREENING TESTS) COVERED IN FULL AT 100%. PART 2 – ALL DIAGNOSTIC AND TREATMENT SUBJECT TO PLAN’S DEDUCTIBLE AND THEN COINSURANCE UP TO THE MAXIMUM OUT OF POCKET LIMIT. PART 3 – HEALTH SAVINGS ACCOUNT YOU MAY CHOOSE THROUGH PAYROLL DEPOSITS TO SET ASIDE MONEY, TAX-FREE, TO PAY FOR FOR DEDUCTIBLE, COINSURANCE AND/OR OTHER APPROVED HSA EXPENSES SUCH AS DENTAL OR VISION COVERAGE. HOW THE HDC HSA WORKS

3. PREVENTIVE CARE $0 PREVENTIVE ALL NON-PREVENTIVE SERVICES AND PRESCRIPTIONS YOU PAY FULL DISCOUNTED COST OF ALL SERVICES UNTIL REACHING A $1500 DEDUCTIBLE IF YOU ARE SINGLE OR $3000 DEDUCTIBLE FOR A FAMILY AFTER DEDUCTIBLE, ALL SERVICES ARE 100% (NO COPAY OR COINSURANCE) IN NETWORK SERVICES IF YOU TAKE FAMILY COVERAGE, INDIVIDUAL DEDUCTIBLE DOES NOT APPLY THE HDC HSA PPO PLAN

4. WHY YOU SHOULD PARTICIPATE IN THE HSA YOU CAN PAY FOR THINGS YOU’RE ALREADY PAYING FOR, PRE-TAX PAYING FOR APPROVED MEDICAL, DENTAL OR VISION EXPENSES IS SOMETHING YOU’RE ALREADY DOING AS YOU USE THE PLAN. USING HSA MONEY ALLOWS YOU TO PAY FOR THOSE EXPENSES WITH NON-TAXABLE INCOME. MONEY YOU DON’T USE YOU KEEP WHATEVER FUNDS MAY EXIST AT ANY POINT OF TIME IN YOUR HSA ARE YOURS TO KEEP. WHETHER YOU LEAVE HDC, OR CHANGE PLANS NEXT YEAR, THE MONEY THAT’S LEFT IS YOURS TO USE ON APPROVED MEDICAL RELATED EXPENSES.

5. THE HDC HSA RULES TO KNOW ONE PLAN REQUIREMENT YOUR HSA PLAN MUST BE THE ONLY BENEFIT PROGRAM YOU HAVE. YOU ARE NOT PERMITTED TO BE INSURED THROUGH ANY OTHER MEDICAL OR TAX-ADVANTAGED REIMBURSEMENT PROGRAM WHILE ENROLLED. THIS INCLUDES MEDICARE OR SPOUSE’S COVERAGE. MAXIMUM HSA LIMITS FOR 2010 MAXIMUM HSA CONTRIBUTION FOR 2010 CANNOT EXCEED $3,050/SINGLE OR $6,150/FAMILY. CATCHUP PROVISION (55+) ALLOWS ADDITIONAL $1,000.

7. DO I SETUP THE ACCOUNT? NO, BUT YOU IF YOU ELECT THE HSA PLAN ONLINE AT WWW.HDCHR.COM , YOU WILL RECEIVE A WELCOME KIT FROM MELLON BANK THAT YOU MUST COMPLETE. AFTER ENROLLING, YOU WILL RECEIVE AN HSA DEBITCARD AS WELL AS CHECKS TO USE TO ACCESS YOUR HSA ACCOUNT. WHAT IF I WANT TO USE MY OWN BANK? YOU ABSOLUTELY CAN. HOWEVER, DEPOSITS THROUGH PAYROLL CAN ONLY BE MADE TO HSAS THAT ARE SETUP THROUGH BLUE CROSS BLUE SHIELD AND THEIR PARTNER, MELLON BANK.

8. HOW DO I MANAGE MY HSA? THROUGH THE BCBS/MELLON WEBSITE, YOU WILL HAVE FULL ACCESS TO ALL HSA TRANSACTIONS, ACCOUNT BALANCE AND UTILIZATION INFORMATION. LIKE ANY OTHER FINANCIAL ACCOUNT, YOU MAY ALSO CONTACT MELLON BANK (THE HSA ADMINISTRATOR) AND INQUIRE ABOUT ACCOUNT ACTIVITY. AFTER ENROLLING, IF YOU WILL ALSO RECEIVE A MONTHLY SNAPSHOT OF ALL MEDICAL AND PRESCRIPTION CLAIM ACTIVITY AS WELL AS FULL DETAILS ON ACCOUNT UTILIZATION.

9. WHAT CAN I USE THE MONEY FOR & WHO TRACKS IT? HSA FUNDS CAN CURRENTLY BE USED FOR ANYTHING THAT IS CONSIDERED AN ELIGIBLE MEDICAL, DENTAL, PRESCRIPTION OR OVER THE COUNTER MEDICATION. BEGINNING JANUARY 1, 2011, YOU’LL HAVE TO HAVE A PRESCRIPTION FOR OTC MEDICATIONS FOR THEM TO BE COVERED. ALLOWABLE EXPENSES ARE DEFINED BY THE IRS UNDER CODE 213(D). A SUMMARY OF ALLOWABLE EXPENSES IS AVAILABLE ON OUR INTRANET SITE. NO ONE TRACKS THE EXPENSES YOU PAY FOR FROM YOUR HSA, IT IS UP TO YOU TO ENSURE THAT FUNDS ARE ONLY USED FOR APPROVED MEDICAL, DENTAL, VISION, PRESCRIPTION OR OTC MEDICATIONS.

10. WHERE CAN I LEARN MORE? MELLON BANK HAS ACCOUNT INFORMATION AVAILABLE ONLINE AT: WWW.HSAMEMBER.COM . YOU CAN ALSO CONTACT HUMAN RESOURCES IF YOU HAVE QUESTIONS ABOUT THIS NEW BENEFIT OPTION – OR ANY OF THE HDC TEAM MEMBER BENEFITS.