Smart Start

Full-time Employee

Smart Start

2018 Benefits Guide

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Welcome!

As part of your Charter total rewards package, we are proud to offer employees a full spectrum of benefits for 2018.

This guide outlines all of this year's benefit options and program enhancements, to help you get a smart start on your benefits enrollment. Be sure to reference it throughout the year so you can make informed health care choices and continue using your benefits to their fullest.

YOUR TOP THREE SMART START GUIDELINES

Choosing well can help you get the most value from your benefits for you and your family. So before enrolling, follow these three easy steps:

1. THINK AHEAD. Consider which family member(s) you want to cover under each benefit plan, and whether or not you and your family's health care needs might change in 2018. For example, expecting a child or anticipating an upcoming surgery could impact your decision.

2. CHOOSE WELL. Evaluate your medical plan and health account options - including the difference between a Health Reimbursement Account (HRA) and Health Savings Account (HSA) and how it applies to your family as well as your life and disability coverage.

3. USE WISELY. Take advantage of the benefits and resources that are available to you to better manage your health and your health care dollars throughout the year.

If you have any questions while reviewing your options, feel free to contact human resources, your Anthem or Cigna Health Guide representative, or the Charter Benefits Center.

Yours in good health,

Paul Marchand, Executive Vice President Chief Human Resources Officer

CONTENTS

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GETTING STARTED

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ELIGIBILITY/LIFE EVENTS

7

MEDICAL COVERAGE

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ADDITIONAL HEALTHCARE PROGRAMS

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CHARTER HSA & HRA

23

CHARTER FSA

26

PRESCRIPTION DRUG COVERAGE

29

DENTAL COVERAGE

30

VISION COVERAGE

31

LIFE & DISABILITY

36

BIWEEKLY EMPLOYEE CONTRIBUTIONS

40

RETIREMENT

44

ADDITIONAL RESOURCES

46

CONTACTS

Getting Started

HELPING YOU GET A SMART START TO 2018

We encourage you to review all the content in this Smart Start 2018 Benefits Guide to understand the options available to you, and then use it throughout the year to make the most of your benefits. PANORAMA.BENEFITS The easy-to-use Charter Benefits website is a one-stop shop for all your benefits information, as well as valuable resources to use before, during and after enrollment. You will be able to access the site from home, so you can review important benefits information with your family.

WHEN IT'S TIME TO ENROLL

1. Annual Enrollment is October 30, 2017 - November 14, 2017 at 11:59 p.m. CT. 2. If you are a new employee, please make your elections within 30 days of your hire date. To enroll, follow the link to the enrollment site from panorama.benefits.

For help with enrollment, call the Charter Benefits Center at 1-877-892-2367 Monday through Friday from 8 a.m. to 8 p.m. ET.

*Charter reserves the right to make changes to the benefits described here from time to time. This is a summary of the plans offered by Charter. If there is any discrepancy between this summary and the official plan documents, the plan documents govern. Benefits eligibility or enrollment does not imply an agreement or right to future employment or benefits. Employees covered under the terms of a collective bargaining agreement may or may not be eligible for programs described in this document. Please refer to the applicable collective bargaining agreement for eligibility.

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CONTACT YOUR MEDICAL PLAN HEALTH GUIDE

BEFORE YOU ENROLL

Just like a hotel concierge can help you in an unfamiliar city, your Health Guide can answer questions about your benefits, including specific coverages and general programs.

GET ANSWERS TO YOUR QUESTIONS

FOR ANTHEM MEDICAL PLANS

FOR CIGNA MEDICAL PLANS

Call 866-645-3269 Monday through Friday,

8 a.m. to 8 p.m. ET

Call 888-806-5106 Monday through Friday,

8 a.m. to 9 p.m. ET

If you have an HMO option in your area and you have questions, please contact the HMO directly.

AFTER YOU ENROLL

If you enroll in a Charter medical plan through Anthem or Cigna, you will have access to Health Guide services throughout 2018. A Health Guide can:

> Help you with billing issues and benefit plan questions. > Direct you to the best place for your health care needs, which can help lower your

out-of-pocket costs. > Help you locate in-network providers, community resources and more. Your Health Guide contact information will be on the back of your insurance ID card.

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