1 Open Enrollment For AURA South Employee BenefitsJanuary 1, 2017 through December 31, 2017

2 Agenda Benefits Package Open Enrollment & Qualifying EventsMedical Plan Evacuation Coverage Employee Assistance Program Dental Plan Other Benefits Taking Action

3 Benefits Package Employer Provided Elections Life InsuranceAccidental Death & Dismemberment Insurance Short Term Disability Long-Term Disability Medical Evacuation Coverage Employee Assistance Program 401(a) Contributions Medical Plan Dental Plan Flexible Spending Account Voluntary Life Insurance Dependent Life Insurance Voluntary Accidental Death & Dismemberment Insurance Dependent Accidental Death & Dismemberment Insurance 403 (b) Contributions (US Citizens/Residents ONLY)

4 Open Enrollment Open Enrollment is Your Opportunity to:Add or delete dependents Change coverage Waiver coverage Participate in a Flexible Spending Account 2016 Elections will continue for 2017 except for FSA contributions which must be re-elected Changes are effective January 1, 2017 through December 31, 2017

5 Qualifying Events Changes during the plan year are allowed only if you have a qualified status change / Qualifying Event such as: Marriage, Legal Separation, and Divorce Birth or Adoption of a Child Dependent Child meeting Maximum Age Limits Eligibility of Medicare or AHCCCS Change in employment for you or your spouse that affects coverage (termination of employment, part-time to full-time, etc.)

6 Qualifying Events You must report a Qualifying Event to HR within 30 days! You are responsible for informing Benefit Services within 30 days of a marriage, final divorce decree, birth of a child, children over age 26. If You do not notify HR within 30 days, you will lose your right to make a mid year change: You will have to wait until next year’s Open Enrollment to make your change COBRA Rights could be lost

7 Information Sources Informed Healthcare ConsumerOpen Enrollment Materials Schedule of Benefits Open Enrollment Website Log-In for Open Enrollment materials, summaries of benefits, etc. MetLife Expatriate Benefits Find Providers, View Benefits and Claims, Download Forms, Access Tools, etc. UltiPro – Enroll and look up your current benefits

8 View Current Benefits 2) Hover over “Myself”1) Go to: https://N13.UltiPro.com Enter: username & password 2) Hover over “Myself” 3) Select “Current Benefits” from the list.

9 Add / Change Benefits 2) Hover over “Myself”1) Go to: https://N13.UltiPro.com Enter: username & password 2) Hover over “Myself” 3) Select “Open Enrollment” 4) Select Link to access your Open Enrollment Session TIP: These resources are available for you to review for detailed session navigation, including making your elections.

10 Special Enrollment NotesTips for a seamless enrollment experience: Use Internet Explorer (IE) 11.0 for the best Ultipro Experience. For an Ultipro Browser Compatibility Guide, visit Make sure to read ALL messaging in the session for important information and instructions Only enter the session if you want to make changes, you can view your election under the benefits summary On the summary page, the premium totals are incorrect for NOAO-South and will not include the cost for the MetLife Medical and Dental plan premiums Scroll through the entire page for all benefit plan options. Benefit end date for current benefits is 12/31/2016. New benefit elections will begin effective 01/01/2017. Dependent SSN, Date of Birth, and Gender are required fields in order to add dependents to a plan. If your dependent does not have a US SSN, please enter all 9’s in this field (999*99*9999 )

11 REGULAR FULL-TIME PREMIUMS2017 Contributions REGULAR FULL-TIME PREMIUMS 2017 PLAN YEAR EMPLOYER MONTHLY EMPLOYEE SEMI-MONTHLY EMPLOYEE BI-WEEKLY MEDICAL MetLife INTERNATIONAL EE Only $482.83 $0.00 EE + One Dependent $801.61 $159.39 $147.13 EE + Family $1,113.63 $315.40 $291.14 DENTAL $37.50 $87.00 $12.38 $11.42 $135.45 $24.49 $22.60

12 Aura International Employee Benefits provided by MetLife Expatriate BenefitsHello, and welcome to the Aura International benefits presentation provided by MetLife Expatriate Benefits. Today we will review your global health program.

13 Agenda Benefit Review Regional Service CenterUnderstanding Your ID Card Paying For Care Options Claims Process How to Access Care Online Tools & Resources Finding a Provider Accessing Your EOBs In this presentation, we will be covering a few areas of your expatriate plan with MetLife. We will review your ID cards as well as how to pay for and access care anywhere in the world. We will also discuss how to use our website tools, including online claim submission. Finally, we will show you how to search for providers and access your EOB documents on the website.

14 Medical Benefits Plan Feature Benefits Calendar Year Deductible$100 Individual / $200 Family Out-of-Pocket Maximum (excluding deductible) $500 Individual / $1,000 Family Doctor Office Visits Maternity Expenses Specialist Office Visits Lab / X-ray Inpatient Hospital Benefits Outpatient Hospital Benefits Prescription Drugs (outside US or Out of Network US) 90% of covered expenses after deductible Prescription Drugs purchased In Network US 90% of covered expenses not subject to deductible For more detailed information, please refer to your Schedule of Benefits and Certificate of Insurance.

15 Medical Benefits Plan Feature Benefits Well Baby/Child CareAdult Preventive Care (Expanded Women's Care) Cancer Screenings Immunizations (Including Travel) 100% of covered expenses not subject to the deductible Mental Illness/Substance Abuse Inpatient Outpatient 90% of covered expenses after deductible Vision Care Exam Lenses, Frames, Hardware 100% once every 12 months (Deductible waived) 100% up to $250 once every 12 months (Deductible waived) For more detailed information, please refer to your Schedule of Benefits and Certificate of Insurance.

16 Medical Evacuation Plan Feature Benefits24-hr, 7 days per week assistance services including telephonic translation, medical and legal referrals, evacuation/repatriation, dependent return, and concierge-level travel assistance. Medical Evacuation 100% of covered (Deductible waived) up to $250,000 Family Travel Arrangements 100% of covered (Deductible waived) up to $10,000 Return of Dependent Children Repatriation of Mortal Remains 100% of covered (Deductible waived) up to $25,000 For more detailed information, please refer to your Schedule of Benefits and Certificate of Insurance.

17 Employee Assistance PlanPlan Feature Employee Assistance Plan (EAP) Benefits 24-hr, 7 days per week unlimited telephonic support for members including consultation, counseling and provider referral. In person counseling for members up to 6 visits per year. Includes 24-hr, 7 days a week unlimited telephonic support for crisis consultation. For more detailed information, please refer to your Schedule of Benefits and Certificate of Insurance.

18 Dental Benefits Plan Feature Benefits Calendar Year Maximum (I,II,III)$2,000 Deductible $25 Individual / $50 Family Class I - Preventive Services cleaning and x-rays 100% (Deductible waived) Class II - Basic Services Fillings, Simple Extractions and Root Canal 80%, after deductible Class III - Major Services Bridgework, Crowns and Dentures 50%, after deductible Class IV - Orthodontia Services (limited to dependent children under age 19) $1,500 Lifetime Maximum For more detailed information, please refer to your Schedule of Benefits and Certificate of Insurance.

19 24/7 Customer Service The Regional Service Center (RSC) contact information is listed on the Global ID Card. The Regional Service Center is your primary point of contact and is available by and phone to assist with: Claim Inquiries Benefit Questions Obtaining Copies of Explanation of Benefits Documents Guarantees of Payment (GOP) Finding hospitals and clinics Members will receive a Member Welcome Package which will include: ID cards for all covered members Claim forms Schedule of Benefits which explains your benefits Member Guide which explains in detail how to use the MetLife program You are assigned to a dedicated Regional Service Center at your enrollment. This service center provides you with 24/7 Customer Service and is your main point of contact. Your Regional Service Center (which is also known as an RSC) can assist you with claim and benefit questions, Guarantees of Payment, and finding providers in your location. Members will receive a Member Welcome Package which will include: ID cards for all covered members Claim forms Schedule of Benefits which explains your benefits Member Guide which explains in detail how to use the MetLife program

20 Understanding Your ID CardMetLife members will have one single ID card. Your card will look similar to the image below. The global ID card is on the front and the U.S. ID card is on the back. Your assigned Regional Service Center logo will go here All MetLife members will receive an ID card. This ID card contains information for Customer Service. The front of your ID card will have your global Regional Service Center for use when receiving care outside the US. The back of your ID card contains the information for Customer Service when accessing care in the USA. Note that the ID cards shown here are samples only. Please refer to your own ID card when you need customer service contact information. Global (front) United States (back)

21 Understanding Your ID Card (U.S.)The back of your ID card contains the information for Customer Service when accessing care in the USA. The U.S. side of the ID card contains information for the U.S. Regional Service Center, CoreSource, who processes claims incurred in the U.S. and answers questions regarding U.S. benefits. Members will only use this side of the card when accessing care inside of the U.S.

22 Paying for Care OptionsDirect Settlement – directly contracted billing arrangements; reduces burden of paying out of pocket. ID card recognition at point of service HIGH Guarantee of Payment (GOP) – one-time payment to any willing, licensed provider worldwide. As easy as calling our 24/7 Service Center Pay & Claim – members may use any licensed health care provider worldwide. Now let’s discuss ways to pay for care. There are three options for paying for care with your expatriate plan: You can access care with a Direct Settlement Provider, this method is also known as Direct Payment. You can also request a Guarantee of Payment, also known as a GOP, or you can Pay & Claim. We will discuss each option in further detail on the following slides. Basic

23 Direct Settlement (Direct Payment)Tips to facilitate Direct Settlement of your bills: Search for Direct Settlement providers/facilities online Identify provider/facility of your choice Register with the provider Schedule an appointment and notify facility that you are a MetLife Expatriate Benefits member What to bring on your healthcare visit: ID Card MetLife has a contracted provider network that may eliminate the need to pay for the full cost of services up front and file a claim. These contracted providers have direct settlement agreements with MetLife. In order to access care by direct settlement we recommend first searching for Direct Settlement providers/facilities online through the MetLife web portal. Instructions on how to search for providers using the directory will be shown later in this presentation. Once you search the provider directory, identify the provider/facility of your choice. We advise that you register with the provider, giving your health history and insurance information prior to needing care. Additionally, schedule an appointment and notify facility that you are a MetLife Expatriate Benefits member. Please remember to bring your MetLife ID Card to your next healthcare visit.

24 Guarantee of Payment Guarantee of Payment (GOP) is a letter sent by the insurer to the provider guaranteeing a one-time payment for covered services on your behalf. To request a GOP: or call your MetLife Regional Service Center (# located on ID Card) at least 3 – 5 days before your appointment. Some providers will offer to do this for you. MetLife will provide GOP letter (routine cases within 2 business days; emergency upon demand). Please provide this information 3 – 5 days in advance of needing care: Patient’s name, date of birth, MetLife certificate number, policy number. Hospital name, country, city, contact person, telephone, and . Date of service, primary diagnosis or complaint, type of medical procedure. If you are utilizing a provider that is not direct-pay or in-network, you can request that MetLife send the provider a Guarantee of Payment (or GOP) letter that ensures MetLife will pay for the covered services. To request a GOP, we recommend that you or call Customer Service at least 3 to 5 days in advance of your appointment. In emergency cases, MetLife can provide GOPs on demand. If it is an emergency, please call your service center. requests may not be answered as urgently as you may need. When requesting a GOP, make sure you provide Customer Service with all of the necessary information needed to submit the letter to the provider. Your certificate number and policy number can be found on your ID card. Note that MetLife can not guarantee that every provider will accept a GOP. There may be times that members will need to pay out of pocket and submit a claim.

25 Pay and Claim - How to File a ClaimPrint claim form or access online submission from Complete all appropriate sections of form Remember to include your policy number (# found on ID Card) Sign and date your claim form Include itemized bills and receipts Submit your claim form and all bills/receipts to your Regional Service Center Methods of Submitting a Claim: Online Claims Submission Fax Mail or Courier Overnight Mail All contact information for each method above can be found on ID Card Paying the provider at the point of service and submitting a claim for reimbursement is a traditional method of paying for care internationally and is known as “Pay and Claim.” In the event you pay out of pocket when receiving services, you will need to complete a claim form and submit it to your designated service center. Claim forms can be found in your Member Communication Packet or by going to Be sure to complete all applicable sections of the form and include your policy number. Along with the completed claim form, you will need to include copies of any itemized bills and receipts. You can submit a claim via , fax, and mail using the contact information found on your ID card. You can also complete and submit claim forms online via the Online Claims Submission tool, which we will discuss when we review the web tools.

26 Reimbursement OptionsMost Regional Service Centers can reimburse you via wire transfer in multiple currencies, checks in USD or in local currency. Check with your Regional Service Center to find out what reimbursement options you have. Wire transfer fees incurred by the MetLife bank will be covered. However, if wire fees are incurred by intermediary banks or on the receiving bank end, MetLife will not cover these. Submit claims via online claim submission, mail, , or fax using the contact information on your ID card. MetLife has the ability to wire transfer or provide checks in multiple currencies. Some Regional Service Centers can also reimburse to a member’s credit card. Please check with your Regional Service Center to find out what reimbursement options are available to you. MetLife makes every effort to pay wire transfer fees that may be incurred when reimbursing a member. However, there are some cases where we are unable to reimburse fees that occur by using intermediary banks or by the receiving bank. All contact information for submitting a claim can be found on your ID card.

27 Online Tools & ResourcesOur secure member portal is called eBenefits Our secure website provides access to: International hospital/clinic listing by country and city Online claims submission Print and Request new ID cards Paid claim history Personal data & coverage details Forms Printable Global ID cards Online Wellness As a MetLife Expatriate Benefits’ member, you will have access to MetLife’s secure member portal called eBenefits. You can access the website by logging onto The eBenefits website provides access to important tools such as: The International hospital/clinic listing where you can search for local healthcare professionals by specialty, city, name or within a set radius. Online Claims submission Printing or requesting additional copies of an ID card, right from the website Set preferences for notifications and the date, time and number format. Language options, by adjusting your personal profile you are able to view the site in different languages

28 eBenefits New User Registration for MembersIn order to access eBenefits for the first time, you will need to register online. Visit and click New User Registration. Enter your policy number, certificate number, date of birth and a valid address. Your certificate number and policy number are printed on your ID card. Click submit. Now check your inbox for a validation and click the link in the . You will be asked to re-enter your policy number, certificate number, and date of birth. Click submit.

29 eBenefits New User Registration for MembersPrint or Request a new ID card Once you are logged into the secure portal, you can print a copy of your ID card or request a new hard copy ID card be sent to you. You can also view your claim history. View your claims history

30 Online Claims SubmissionShould you pay out of pocket for your services, you have the ability to submit claims easily through eBenefits. You can access the Online Claim Submission tool once you are logged into eBenefits. You will first select the claims tab from the left-hand menu. You must complete all the appropriate sections of the online form and attach applicable documents. There are 5 sections to the online claim submission. Part A will be pre-populated for you with the employee’s information.

31 Online Claims SubmissionPART B Part B is the information on the patient who received the services for which you are seeking reimbursement. This can be the employee or any covered dependent. Choose the patient from the drop down box and their information will populate.

32 Online Claims SubmissionPART C Part C asks details about the reason for the healthcare visit. You should choose the main reason that the patient went to seek care. There is a long list of options, but if none of these fit your reason, please select other and fill in your reason. Please also answer the questions asking if the reason for the visit is related to an accident or if the injury was incurred at work.

33 Online Claims SubmissionPART D Part D requires information about how we should reimburse the claim. You can choose to be reimbursed via Check or Wire. You also can choose your currency preference.

34 Online Claims SubmissionPART E Part E asks you to confirm if this is a medical or dental claim. It also asks if you have provided a full itemized bill and receipt, which is necessary for reimbursement. Now, upload your documents, including receipts and itemized bills. Then click submit.

35 Documents and Forms By clicking the “Documents and Forms” tab on the left-hand menu you can access your policy documents like your certificate and schedule of benefits, as well as claim forms.

36 Accessing Care Outside the U.S.International Provider Network Members may see any licensed provider outside of the U.S. Network providers have been vetted for quality. MetLife also has numerous direct pay relationships which eliminates the burden of payment at the time of service. To find a provider, call Customer Service using the number on the ID card or log onto eBenefits. Online Provider Listing Strict selection criteria for quality and accessibility of health care services “Expat-Oriented” Not all of the network providers are listed on the website, so feel free to contact Customer Service if you cannot find a provider. If a provider is not currently within our network, contact Customer Service to nominate the provider. Our provider team will make every effort to contract with your current provider. When accessing care internationally, you have the right to use any licensed provider that you wish. As a MetLife member, you will have access to MetLife’s robust international provider directory that can assist you in finding in-network and direct pay providers. By utilizing in-network and direct pay providers, you eliminate the need to pay out of pocket at the time of service. MetLife selects providers that are “expat-oriented” and the top providers in the area. To find a provider, you can use the online provider directory by logging into our secure website, eBenefits, or contact Customer Service using the phone number listed on your ID card. Not all of our network providers are listed on the website so please contact Customer Service if you do not find the provider you are looking for.

37 Search for International ProvidersSearching for international providers or facilities online: Log on to and click “Find Providers” Choose country, city, and type of provider to search Searching for one of our contracted providers online is simple and easy: Once you are logged onto the secure portion of eBenefits, select the “Find providers” from the left hand menu bar. You will then be prompted to choose a country and the option to select a city as well as the type of provider you wish to search.

38 Search for International ProvidersClick this radio button to see only providers who may settle bills directly with MetLife. This Phrase indicates the provider has an agreement with MetLife. The directory shows all of the available providers within your area of search. It lists the contact information including name of the provider, types of services, address, telephone, and address. Providers that are contracted or have “direct pay” arrangements will have this notated at the bottom of the provider information. By utilizing these providers, you may be able to take advantage of cashless access to care and discounts for services by presenting your card. This will help to prevent paying for services upfront and then submitting a claim form for reimbursement. You can also select the radio button to only show providers who may settle bills directly. Using the directory to find providers is beneficial; however, you are free to use any licensed provider that you wish.

39 Accessing Care In the U.S.CoreSource MetLife partners with CoreSource for members seeking care within the U.S. You will see their logo on the back of your ID card. CoreSource provides access to the Aetna Choice PPO network CVS Health retail and mail order pharmacy When utilizing care in the U.S., members will have access to the Aetna Choice PPO provider network and CVS Health pharmacy network. MetLife partners with CoreSource who services our USA Regional Service Center. Please provide your new ID card to your current providers to find out if they are within the Aetna Choice PPO network.

40 Search for U.S. ProvidersTo search for U.S. providers, log onto the secure portion of the website and click “Find Providers” from the left-hand menu and then click “Or, Find US Providers” on the right-hand of the page. This will bring you to the US Provider search where you can search by city and state or zip code.

41 Search for U.S. Providers – Aetna PPOA new window will pop up that brings you right to the provider directory. Select your provider type – doctor or facility. From there you can search by city and state or zip code, and even further for a provider by the type of doctor or by the name of your provider. If you do not find a suitable provider, search the Passport to Healthcare Secondary PPO Network.

42 Change Languages and Date PreferenceSelect “Change User Profile from this drop down box. To change your language and your date preference, select “Change User Profile” from the drop down box on the upper right-hand side of the homepage of the secure website. Then you can select your language and date format.

43 Member Information View your coverage detailsView your covered dependents To view your coverage information and covered dependents select “Member Information” from the drop down box on the upper right-hand side of the homepage of the secure website. Then you can select your language and date format.

44 Accessing Your Explanation of Benefits (U.S.)Inside the U.S. MetLife’s U.S. Regional Service Center CoreSource processes claims incurred in the U.S. and answers questions regarding U.S. benefits. You can view your U.S. claims and EOB documents by visiting myCoreSource.com website. To register as a member on myCoreSource.com for the first time, you will need to follow these steps: 1. Go to myCoreSource.com and select the Create My Account button in the “I am a Participant” box. Each plan member will need to create their own account.

45 Accessing Your Explanation of Benefits (U.S.)2. The Account Creation security page is a feature that protects members’ important information. a. Type the numbers shown. b. Select the Next button. 3. Create an account: a. Enter a username and password. The system will tell you immediately if the username has already been taken. Usernames must be four or more characters and contain at least one non-alpha character (not including an *, &, %, (), = or + sign). Passwords are case-sensitive and must be 6 to 32 characters long with at least one non-alpha character. b. Enter your name and the address that you want to use to recover your username, in the event you forget it. c. Select and answer three security questions. d. Select the Next button.

46 Accessing Your Explanation of Benefits (U.S.)4. Re-enter the password you created to confirm your account creation. Select the Next button. 5. Enter your information into the required fields to link your account to your personal information on file with CoreSource. Special Note: You’ll need to enter your information as it appears on your ID card (such as your full name and member ID). If you do not have an ID card, enter your Social Security number (without dashes or spaces). Select the Submit button. 6. Accept Terms and Conditions.

47 Accessing Your Explanation of Benefits (U.S.)7. If the Communication Preferences window automatically appears, it will show the address you entered during registration in the Option 1 field. Otherwise, you will be directed to your home page. The method for the communication types is automatically set to so that you will receive Explanation of Benefits and Message Center alerts automatically by . You can update your preferred address on this screen if you need to. Once all updates are made, select Save.

48 Welcome to MetLife We are here for you!For additional questions please contact your Regional Service Center or Human Resources Department. This concludes the Aura International benefits employee presentation. If you have additional questions, please contact you Regional Service Center or Human Resources Department.

49 Flexible Spending AccountsOnly US Citizens/Residents are eligible to participate in this plan Why use a Flexible Spending Account (FSA)? Set aside pre-tax money for predictable expenses: Health Care FSA Qualified Medical Expenses $2,550 $500 carryforward limit Dependent Care FSA Dependents under age 13 $5,000 ($2,500 married filling separately) 100% use it or lose it provision

50 Life and AD&D Will Preparation 100% Employer Paid1 X Salary to $250,000 Age Reductions: To 65% at age 75 To 50% at age 80 Terms at Retirement Travel Assistance (888) Will Preparation

51 Voluntary Life Employee $10,000 increments to $500,000Not to exceed 7 X Salary Guarantee Issue of $100,000 Spouse $10,000 increments to $150,000 (not exceed 50% of EE) Guarantee issue of $30,000 under age 70 Child/Children $10,000 (covers all your children 6 months up to age 26 and financially dependent) If you are currently enrolled for less than the Guarantee Issue Amount, you can increase your coverage $10,000 without Evidence of Insurability

52 This election is separate from the electionVoluntary AD&D All amounts are Guarantee Issue Employee $10,000 increments to $500,000 Spouse $10,000 increments to $250,000 Identity Theft Program Support 24/7 This election is separate from the election for Voluntary Life

53 Short Term Disability 100% Employer PaidBenefits begin after 13 days of disability Sick leave integration: Non-Gemini ONLY 50% of sick leave at the time of disability must be exhausted before benefits begin 60% of weekly salary Maximum weekly benefit of $1,385 Benefits may continue for up to 24 weeks

54 Long Term Disability 100% Employer Paid 60% of monthly base payMaximum monthly benefit of $6,000 Benefits begin after 180 days of disability Benefits can continue to your Social Security Normal Retirement Age (SSNRA) Cost of Living Adjustment (COLA) 3% Retirement Savings 10% Calculated on base salary

55 Taking Action Make decisionsRead your Open Enrollment Materials and other information Make a decision and complete your enrollment through Ultipro no later than November 21ST Only enter the session if you want to make changes, you can view your election under the benefits summary 2016 Elections will continue for 2017 except for FSA contributions Flexible Spending Account Elections DO NOT roll over. You must re-enroll to participate.

56 Questions QUESTIONS….