QUESTIONS ANSWERS - Know Your Benefits

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2018 AUTONATION BENEFITS ENROLLMENT

QUESTIONS & ANSWERS TABLE OF CONTENTS

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QUESTION

TOPIC

1–6

The Benefit Connection & Annual Enrollment

7–52

MSRP Biometric and Non-Tobacco Credits

53–54

Unitized Pricing

55–60

Adding Dependents to Coverage

61–67

Plan Design Changes for 2018

68

Eligible Pay

69

Disability Coverage

70–75

Flexible Spending Accounts

76–78

SBCs and SPDs

79–84

Definition of Spouse and Spouse Surcharge

85–91

Healthcare Reform and the Insurance Marketplace

92

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2018 AUTONATION BENEFITS ENROLLMENT

1.

When is the Annual Enrollment period? The Annual Enrollment period starts Wednesday, November 1, 2017 and closes at 11:59 p.m. EST Tuesday, November 21, 2017.

2. What’s new in 2018? a. Benefits microsite www.KnowYourBenefits.org — Your one-stop benefits website It’s your one-stop for benefits information! The Know Your Benefits website makes it easy to access benefits information, compare your plan options, link to enroll, schedule your MSRP screening and Advocate call, print ID cards, find providers, learn about Family Medical Leave Act and disability benefits, dental, vision, life insurance, Flexible Spending Accounts (FSA), find forms, and more! Starting November 1, 2017, visit www.KnowYourBenefits.org to learn more! b. MyQHealthTM If you are enrolled in a national Blue Cross Blue Shield Brass, Bronze, Silver, Gold or Platinum medical plan option, navigating your benefits is now as simple as picking up the phone! Starting in 2018, every national Blue Cross Blue Shield medical plan member can get fast, accurate and complete answers from MyQHealthTM. MyQHealthTM’s Care Coordinators are your resource for fast, accurate answers and assistance with questions about providers, diagnostic tests and procedures, the MSRP Advocate Program, your plan medical and drug coverage, out-of-pocket costs and anything else to do with healthcare. Your personal care coordinator acts as your advocate to:

• Answer questions about upcoming tests and procedures.



• Pre-certify you for services to make sure you are covered.



• Explain your prescription drug coverage and how to use it.



• Help you review your MSRP Biometric Screening results.



• Assist you with finding cost-effective, quality providers.



• Help you resolve billing issues.



• Listen — in strict confidence — to your concerns and provide knowledgeable, caring assistance.



• Provide advice to help you lead a healthy life.

MyQHealthTM makes it easier than ever for you and your family members to understand, use and get the greatest possible value from your medical and prescription drug benefits. c. Healthcare BluebookTM If you are enrolled in a national Blue Cross Blue Shield Brass, Bronze, Silver, Gold or Platinum medical plan option, you have access to a great new price and quality comparison tool! The price for a medical service — such as an MRI — varies widely in your area. Knowing the charges for a medical service or procedure helps you avoid sticker shock, and can save you hundreds or thousands of dollars in out-of-pocket costs.

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Healthcare BluebookTM takes the mystery out of healthcare pricing. You can see a fair price that providers in your area charge and compare their pricing for a huge variety of healthcare services and procedures. Equally important, you can check independent, third-party quality rankings to find not only the most affordable, but also the best, providers for any given service. Knowledge is power you can use Healthcare BluebookTM makes healthcare costs transparent — and makes you a more informed consumer. Find the best, most affordable providers and know exactly what you will pay, so you can stay within your budget. Did you know that prices for the same medical procedure can vary by as much as 500% depending on the facility you choose? Bluebook’s FAIR PRICE shows you the actual amount paid based on rates your health plan negotiates with each facility. Bluebook makes it easy to search for and see fair prices, and what each provider charges in comparison. You can access Healthcare BluebookTM through the MyQHealthTM portal at www.KnowYourBenefits.org, or call 1-888-979-7677 starting December 1, 2017 to learn more and put Healthcare BluebookTM to work for you. d. Pre-certification requirements You must pre-certify to be covered for certain services and procedures Pre-certifying helps reduce your out-of-pocket costs by avoiding duplicate services and making sure a service is covered by your medical plan. If you are a national Blue Cross Blue Shield Brass, Bronze, Silver, Gold or Platinum plan member, the following services will require pre-certification in 2018:

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• MRIs, MRAs, CAT scans and PET scans, regardless of location



• Outpatient surgery



• Therapy (physical, occupational, speech, behavioral)



• Durable medical equipment over $500 and all rentals



• Dialysis



• Home healthcare



• Hospice



• Transplants



• Sleep studies



• Oncology services (chemotherapy and radiation)



• Hospitalizations including inpatient acute care, skilled nursing, skilled rehabilitation, and behavioral health or substance abuse



• Partial hospitalization and intensive outpatient for mental health or substance abuse

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e. Imaging and diagnostic lab tests are covered at free-standing facilities only You must use free-standing (not hospital) facilities to be covered for imaging and diagnostic lab tests. Diagnostic lab tests, x-rays and imaging will only be covered in an outpatient facility when required during a visit to an emergency room, urgent care or retail clinic, or during an inpatient hospital stay or outpatient surgery.

3. Where do I go if I want to enroll or need more information about my benefits? How do I sign on? Go to www.KnowYourBenefits.org and click “Benefits Enrollment and Changes,” then click the link “Enroll Now.” You can also log on at www.AutoNationBenefits.com. If you have questions, you can reach a customer service representative by phone Monday through Friday, 8 a.m. to 8 p.m. EST (and until 9 p.m. EST during Annual Enrollment) at 1-877-550-BENE(2363).

4. What features are available online? • Easy to navigate icons • Medical Credit Chart — view the MSRP healthy credits • Tools to compare benefit options and prices • MSRP Healthy Credit forms if you do not pass your MSRP Biometric Screening or use tobacco products • Dependent Certification form — to verify newly added dependents • Reference materials such as: Summary of Benefits and Coverage (SBCs), Summary Plan Descriptions (SPDs) and more • Links to the insurance carriers’ websites to view which providers are in the medical and dental networks

5. How do I access The Benefit Connection enrollment site? Log on to www.AutoNationBenefits.com. If you are logging on for the first time, Click “Are you a new user?” and then enter the last 4 digits of your SSN and your birth date. Click “Continue.” Follow the prompts to create your User ID and password.

6. What happens if I do not enroll during Annual Enrollment? If you do not enroll during Annual Enrollment: 1. And you are currently enrolled in coverage you will be defaulted into coverage that you may not want. You will not have the opportunity to make changes to your coverage until the next Annual Enrollment period, for coverage effective January 1, 2019 or unless you experience a Qualified Life Event during the year. 2. You will not be eligible for the 20% Non-Tobacco healthy credit. 3. And if you are covering your spouse on your medical coverage you will be charged the monthly working spouse surcharge. 4. You will not be enrolled in a Flexible Spending Account even if you are currently enrolled.

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7. What does MSRP stand for? MSRP stands for Medical Score Risk Predictor. This is the name of AutoNation’s healthy incentive program.

8. Why is AutoNation offering the MSRP program? The MSRP program was created to provide you with the ability to become aware of any medical risks that you may have.

9. Why did AutoNation implement the MSRP Biometric Screening? Healthcare spending continues to increase. Reducing the rate of growth in healthcare costs requires awareness, action and accountability since both you and AutoNation share in the cost of medical coverage. While there is no single formula for lowering this cost increase, we must make changes to help control the rising costs. If we identify and understand risks up front, you can then choose to prevent chronic conditions such as heart disease and diabetes that can significantly impact rising medical costs. AutoNation intends to continue to provide high quality, affordable healthcare for you and your family in spite of the obstacles brought on by the Affordable Care Act (ACA). However, this requires each of us to continue to be aware and accountable for our health by making healthy lifestyle choices. This initiative will continue to be the driving force behind AutoNation’s strategy to improve health and contain cost.

10. Are there any healthy credits being offered for 2018? Yes, there are financial incentives being offered by AutoNation to both you and your covered spouse. These financial incentives can equate to thousands of dollars off your expected medical cost for 2018. You will also have lower premiums for Additional Life Insurance and/or for Spouse Life Insurance if you enroll in these optional insurance plans.

11. I heard my MSRP credits roll over. Is that correct? If you are currently receiving the MSRP Biometric and Advocate healthy credits in 2017, they will automatically roll over to 2018. If you missed out on earning these credits, it’s not too late to earn them. Remember, you must answer the tobacco use question online when you enroll. This credit does not rollover. Go to www.KnowYourBenefits.org to learn more and find out about credits for your spouse. These financial incentives can reduce your medical and life insurance premiums by thousands of dollars a year depending on the coverage option you select. Refer to the chart on the following page for details.

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Take the following actions to earn your 2018 Healthy Credits. See pages 29–32 to determine if you are eligible to take any of the following actions to earn your 2018 healthy credits:

Credit #1

Credit #2

Credit #3

EMPLOYEE

SPOUSE

MSRP Biometric Screening: EARN 25% off the total cost of medical coverage (if enrolled)

MSRP Biometric Screening: EARN 15% off the total cost of medical coverage (if enrolled)

MSRP Biometric Screening tests for 5 factors: • BMI • Blood pressure • Glucose • HDL cholesterol • Triglycerides Be screened and pass 3 of 5 screening components or, if you fail, complete the alternative requirements by the deadline to earn the MSRP Biometric Healthy Credit.

MSRP Biometric Screening tests for 5 factors: • BMI • Blood pressure • Glucose • HDL cholesterol • Triglycerides Be screened and pass 3 of 5 screening components or, if you fail, complete the alternative requirements by the deadline to earn the MSRP Biometric Healthy Credit.

MSRP Advocate: EARN 5% off the expected total medical cost of the employee portion of coverage (if enrolled)

MSRP Advocate: EARN 5% off the expected total medical cost of the employee portion of coverage (if enrolled)

You must call a MSRP Advocate to discuss your MSRP results regardless of whether you passed or failed the MSRP Biometric Screening in order to get this credit.

You must call a MSRP Advocate to discuss your MSRP results regardless of whether you passed or failed the MSRP Biometric Screening in order to get this credit.

This credit applies to all employees who are screened (if you are not screened, you will not be eligible for this credit).

This credit applies to all employees who are screened (if you are not screened, you will not be eligible for this credit).

Non-Tobacco Credit: EARN 20% off the expected total medical cost of the employee portion of coverage (if enrolled)

Non-Tobacco Credit: EARN 10% off the expected total medical cost of the spouse portion of coverage (if enrolled)

During Annual Enrollment, you will be asked to answer a tobacco usage question.

The MSRP Biometric Screening for a spouse also tests for cotinine.

If you answer that you are not a tobacco user, you will receive the Non-tobacco credit.

If your spouse’s cotinine test results are negative, your spouse will receive the Non-tobacco credit.

If you answer that you are a tobacco user you will have the option to complete a FREE tobacco cessation course through the American Lung Association and submit the course certificate, together with the Tobacco Cessation Affidavit, to The Benefit Connection within the applicable deadline.

If your spouse’s cotinine test results are positive, your spouse will have the option to complete a FREE Tobacco Cessation course through the American Lung Association and submit the course certificate, together with the Tobacco Cessation Affidavit, to The Benefit Connection within the applicable deadline.

If you do not answer or select “Prefer Not to Answer” during Annual Enrollment, you will not receive the credit. Note: Detailed information on steps to take to achieve the alternatives to earn the healthy credits are included in questions #38 and #49. You can also go to www.KnowYourBenefits.org and click the tile titled “MSRP” for more details.

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12. Where do I go to complete my MSRP Biometric Screening? It’s easy to participate. You can complete your screening at a Quest Diagnostics Patient Service Center nearest to you. Go online to www.KnowYourBenefits.org and click the tile titled ”MSRP,” then click on the button to schedule an appointment and you will be linked to the Quest Diagnostics website, where you can view locations, dates and times available to make your appointment.

13. Do I need to fast before my biometric screening? Yes. You should fast between 9 and 12 hours prior to your appointment. To ensure the most accurate results possible, follow these guidelines when preparing for your biometric screening:

• Do not eat or drink anything except water for 9–12 hours before your screening unless directed by your doctor.



• Drink at least two 8-oz glasses of water 1–2 hours prior to your screening to ensure proper hydration. Being properly hydrated is essential for a positive biometric screening experience.



• If you are on medication(s), please continue to take your medication(s) as prescribed.

14. What if I don’t fast before the screening? Not fasting before the screening will alter your results and may lead to elevated numbers that will flag a risk factor. For the most accurate results please follow the steps outlined in question #13.

15. How is the MSRP Biometric Screening performed? The screening consists of a simple blood draw, your height and weight measurements and a blood pressure check. The entire process typically takes less than 15 minutes.

16. What lab factors will the MSRP Biometric Screening include? The MSRP Biometric Screening is an assessment of 5 lab factors that are accurate predictive indicators of your risk for diabetes, heart disease or stroke. These factors are:

• Blood pressure



• HDL cholesterol (which is your good cholesterol)



• Triglycerides (which checks for fat in your blood)



• Glucose (which is your blood sugar)



• Body Mass Index (BMI)

The screening for spouses also includes a cotinine test which tests for nicotine in the blood. Refer to question #48.

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17. What are the measurements of the MSRP Biometric Screening that indicate a risk factor? In other words, if your results match the following, you have failed that measure. • Blood Pressure Systolic equal to or greater than 130 Diastolic equal to or greater than 85 • HDL Cholesterol Below 40 mg/dL in males Below 50 mg/dL in females • Triglycerides Equal to or greater than 150 mg/dL • Glucose (Blood Sugar) Equal to or greater than 100 mg/dL • BMI (Body Mass Index) Equal to or above 30

18. Why take a blood pressure measurement? Hypertension, commonly referred to as high blood pressure, is when the blood pressure is elevated. Hypertension is associated with a high risk of heart attack or stroke. A normal value for the systolic blood pressure is