Land O Lakes, Inc.: $3,500/$7,000 HRA Plan Coverage Period: Beginning on or after

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1 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at wwwbluecrossmn.com/lol or by calling (651) or toll-free Important Questions Answers What is the overall $3,500 per person deductible? $7,000 per family (Employee (EE) + Dependents (Dep)) Are there other deductibles for specific services? Is there an out-ofpocket limit on my expenses? The Company provides you a $1,000 (EE only) and $2000 (EE + dep) Health Reimbursement Arrangement (HRA) fund if you are enrolled in coverage as of January 1. This reduces your deductible to $2,500 (EE only) and $5,000 (EE+Dep). Does not apply to preventive care and outpatient prescription medication. No. Yes. $4,500 per person In-Network and $5,500 per person Out-of-Network (EE only). $9,000 per family In-Network and $11,000 per family Out-of-Network (EE+Dep). The Company provides you a $1,000 EE only and $2,000 EE+Dep HRA fund if you are enrolled in coverage as of January 1. This reduces out-of-pocket limit to $3,500 EE only or $7,000 EE+Dep In-Network, and $4,500 EE only or $9,000 EE+Dep Out-Of-Network. Prescription Drug Out-of-Pocket Maximum: Individual (EE only) $2,600 and $5,200 Family (EE+Dep). What is not included in Premiums, balanced-billed charges, and health care this plan the out-of-pocket limit? doesn't cover. Is there an overall Yes. annual limit on what the plan pays? Why this Matters: You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1 st ). See the chart starting on page 2 or how much you pay for covered services after you meet the deductible. You don't have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses. Out-of-Pocket Limits include both In and Out-of-network combined. Even though you pay these expenses, they don't count toward the outof-pocket limit. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits. Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 1 of 13

2 Important Questions Answers Does this plan use a network of providers? Do I need a referral to see a specialist? Are there services this plan doesn t cover? Why this Matters: Yes. For a list of preferred providers, see If you use an in-network doctor or other health care provider, this or call (651) or toll-free plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers. No. You can see the specialist you choose without permission from this plan. Yes. Some of the services this plan doesn't cover are listed on page 4 or 5. See your policy or plan document for additional information about excluded services. Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven t met your deductible. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use In-Network providers by charging you lower deductibles, copayments and coinsurance amounts. Common Your cost if you use an Services You May Need Medical Event In Network Provider Out-of-Network Provider Limitations & Exceptions If you visit a health care Primary care visit to treat an 20% coinsurance 40% coinsurance provider s office or injury or illness clinic Specialist visit 20% coinsurance 40% coinsurance Other practitioner office visit 20% coinsurance for Chiropractors 40% coinsurance for Chiropractors Coverage is limited to a maximum for chiropractors of 30 visits per calendar for all networks Preventive 0% coinsurance 40% coinsurance care/screening/immunization If you have a test Diagnostic test (x-ray, blood 20% coinsurance 40% coinsurance work) Imaging (CT/PET scans, MRIs) 20% coinsurance 40% coinsurance Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 2 of 13

3 Common Your cost if you use an Services You May Need Medical Event In Network Provider Out-of-Network Provider Limitations & Exceptions If you need drugs to Generic drugs Administered by Express Administered by Express treat your illness or condition Prescription drugs administered by Express ; additional details of prescription drug plan is available at Preferred brand drugs Retail 25% ($10 minimum) Mail Order 25% ($25 minimum and $60 maximum) Administered by Express Retail 25% ($35 minimum) Mail Order 25% ($75 minimum and $150 maximum) Retail 25% ($10 minimum) Mail Order 25% ($25 minimum and $60 maximum) Administered by Express Retail 25% ($35 minimum) Mail Order 25% ($75 minimum and $150 maximum) For additional information on your prescription drug benefits, please refer to your prescription drug Pharmacy Benefit Manager. Retail up to a 30 day supply Mail order up to a 90 day supply On 4 th retail fill, you pay 50% with $25 minimum. For additional information on your prescription drug benefits, please refer to your prescription drug Pharmacy Benefit Manager Retail up to a 30 day supply Mail order up to a 90 day supply Non-preferred brand drugs Administered by Express Retail 25% ($70 minimum) Mail Order 25% ($150 minimum and $300 maximum) Administered by Express Retail 25% ($70 minimum) Mail Order 25% ($150 minimum and $300 maximum) On 4 th retail fill, you pay 50% with $75 minimum For additional information on your prescription drug benefits, please refer to your prescription drug Pharmacy Benefit Manager Retail up to a 30 day supply Mail order up to a 90 day supply On 4 th retail fill, you pay 50% with $150 minimum Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 3 of 13

4 Common Your cost if you use an Services You May Need Medical Event In Network Provider Out-of-Network Provider Limitations & Exceptions Specialty drugs Administered by Express Not covered For additional information, please contact Express at See applicable category above If you have outpatient surgery If you need immediate medical attention If you have a hospital stay If you have mental health, behavioral health, or substance abuse needs If you are pregnant Prenatal and postnatal care 0% coinsurance for prenatal care; 20% coinsurance for If you need help recovering or have other special health needs Facility fee (e.g., ambulatory 20% coinsurance 40% coinsurance surgery center) Physician/surgeon fees 20% coinsurance 40% coinsurance Emergency room services 20% coinsurance 20% coinsurance Emergency medical 20% coinsurance 20% coinsurance transportation Urgent care 20% coinsurance 40% coinsurance Facility fee (e.g., hospital room) 20% coinsurance 40% coinsurance Physician/surgeon fee 20% coinsurance 40% coinsurance Mental/Behavioral health 20% coinsurance 40% coinsurance outpatient services Mental/Behavioral health 20% coinsurance 40% coinsurance inpatient services Substance use disorder outpatient 20% coinsurance 40% coinsurance services Substance use disorder inpatient 20% coinsurance 40% coinsurance services 40% coinsurance postnatal care Delivery and all inpatient services 20% coinsurance 40% coinsurance Home health care 20% coinsurance 40% coinsurance 120 visit maximum applies for all networks. Rehabilitation services 90 visit maximum applies for Habilitation services physical therapy for all networks. 20% coinsurance for occupational therapy, physical therapy, and speech therapy 40% coinsurance for occupational therapy, physical therapy, and speech therapy Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 4 of 13

5 Common Your cost if you use an Services You May Need Medical Event In Network Provider Out-of-Network Provider Limitations & Exceptions Skilled nursing care 20% coinsurance 40% coinsurance 120 day maximum applies for all networks. Durable medical equipment 20% coinsurance 40% coinsurance Hospice service 20% coinsurance 40% coinsurance If your child needs Eye exam 20% coinsurance for injury or 40% coinsurance for injury or Coverage for refractive exams is dental or eye care disease only disease only available through EyeMed Vision. Glasses Not covered Not covered Coverage is available through EyeMed Vision Care. Dental check-up Not covered Not covered Coverage is available through Delta Dental Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (This isn t a complete list. Check your policy or plan document for other excluded services.) Cosmetic surgery Dental care (Adult) Long-term care Private-duty nursing Routine eye care (Adult) Routine foot care Weight loss programs Other Covered Services (This isn t a complete list. Check your policy or plan document for other covered services and your costs for these services.) Acupuncture (subject to limitations) Chiropractic care (subject to limitations) Infertility treatment (subject to limitations) Bariatric surgery Hearing aids (subject to limitations) Non-emergency care when traveling outside the U.S. Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 5 of 13

6 Your Rights to Continue Coverage: If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue coverage may also apply. For more information on your rights to continue coverage, contact the plan at You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at or or the U.S. Department of Health and Human Services at x61565 or Your Grievance and Appeals Rights: For group health coverage subject to ERISA, contact the plan at You may also contact the Department of Labor s Employee Benefits Security Administration at EBSA (3272) or Does this Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage." This plan or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Statement? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides. Notice of Nondiscrimination Practices Effective July 18, 2016 Blue Cross and Blue Shield of Minnesota and Blue Plus (Blue Cross) complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or gender. Blue Cross does not exclude people or treat them differently because of race, color, national origin, age, disability, or gender. Blue Cross provides resources to access information in alternative formats and languages: Auxiliary aids and services, such as qualified interpreters and written information available in other formats, are available free of charge to people with disabilities to assist in communicating with us. Language services such as qualified interpreters and information written in other languages are available free of charge to people whose primary language is not English. Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 6 of 13

7 If you need these services, contact us at or by using the telephone number on the back of your member identification card. TTY users call 711. If you believe that Blue Cross has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or gender, you can file a grievance with the Nondiscrimination Civil Rights Coordinator by at: Civil.Rights.Coord@bluecrossmn.com by mail at: Nondiscrimination Civil Rights Coordinator Blue Cross and Blue Shield of Minnesota and Blue Plus M495 PO Box Eagan, MN or by telephone at: Grievance forms are available by contacting us at the contacts listed above, by calling or by using the telephone number on the back of your member identification card. TTY users call 711. If you need help filing a grievance, assistance is available by contacting us at the telephone numbers listed above. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at: by phone at: or (TDD) or by mail at: U.S. Department of Health and Human Services 200 Independence Avenue SW Room 509F HHH Building Washington, DC Complaint forms are available at Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 7 of 13

8 Language Access Services: This notice has important information about your health plan coverage. If you, or someone you re helping, has questions about this health plan coverage, you can receive help and information in your language at no cost. To talk to an interpreter, call (toll free). Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 8 of 13

9 Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 9 of 13

10 Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 10 of 13

11 To see examples of how this plan might cover costs for a sample medical situation, see the next page. Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 11 of 13

12 About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans. This is not a cost estimator. Don t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different. See the next page for important information about these examples. Having a baby (normal delivery) Amount owed to providers: $7,540 Plan pays $3,690 Patient pays $3,850 Sample care costs: Hospital charges (mother) $2,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles $3,500 Copays $0 Coinsurance $200 Limits or exclusions $150 Total $3,850 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $5,400 Plan pays $1,410 Patient pays $3,990 Sample care costs: Prescriptions $4,200 Medical Equipment and Supplies $50 Office Visits and Procedures $700 Education $300 Laboratory tests $50 Vaccines, other preventive $100 Total $5,400 Patient pays: Deductibles $3,500 Copays $0 Coinsurance $410 Limits or exclusions $80 Total $3,990 Note: These numbers do not include the Company-provided HRA fund. With the HRA fund, the Patient pays amounts would be lower than shown. For more information about the HRA fund, contact the plan at Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 12 of 13

13 Questions and answers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? Costs don t include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular geographic area or health plan. The patient s condition was not an excluded or preexisting condition. All services and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from in-network providers. If the patient had received care from out-of-network providers, costs would have been higher. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor s advice, your age, how serious your condition is, and many other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You can t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows. Can I use Coverage Examples to compare plans? Yes. When you look at the Summary of Benefits and Coverage for other plans, you ll find the same Coverage Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverage the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-of-pocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. Questions: Call (651) or toll-free or visit us at If you aren t clear about any of the bolded 13 of 13