U A T Y OURBE Y O S T B WE L N E S S 8 N 0 1 - OneMain Financial

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WELCOME

OneMain

Table of Contents

Welcome

03

Benefits at a Glance

04

What's New for 2018?

05

All About Enrollment

06

Enrollment Checklist

09

Quick Tips: Online Tools

10

Quick Tips: Take Charge of Your Health 12

Medical Plan Options

14

Prescription Drug Coverage

18

Vision Insurance

20

Dental Insurance

21

Flexible Spending Accounts (FSA)

22

Commuter Benefit Program

23

Income Protection

24

401(k) Savings Plan

26

Financial Wellness

27

Additional Benefits

28

2018 Team Member Contributions

31

Required Notices

33

Medicaid / CHIP Information

39

Definitions

41

Helpful Contact Information

43

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Welcome

At OneMain, we truly value our team members, and our appreciation is reflected in our comprehensive benefits program. We strive to offer you and your family the support of a complete benefits package with choices to help match your personal health and insurance needs. We have carefully selected these programs with your best interest in mind, while striving to be a "Great Place to Work." By selecting the right combination of benefits, you can maintain good health and protect you and your family from unexpected costs. We are committed to helping you and your family achieve the financial and medical protection you need for today, and the security you'll want for the future. The Benefits Program is a significant part of OneMain's total rewards package and represents our strong commitment to the health and welfare of our team members. Our competitive Benefit Program is designed to promote healthier lifestyles for you and your family. We provide access to tools, education and a variety of resources to help reduce the risk of disease and injury. Selecting the right plan is one of the most important decisions you can make. Elections you make during Open Enrollment are effective January 1, 2018 through December 21, 2018. This guide will help you understand the benefit choices you can make before the enrollment deadline. Benefit information is also located on MainStreet. With you at your best, opportunities ? both personal and professional ? are endless.

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Benefits at a Glance

Medical/Prescription Drugs Dental Vision

Flexible Spending Accounts (FSA)

Income Protection

Voluntary Benefits

UnitedHealthcare Express Scripts - Platinum Rx

OptumHealth ? HSA Kaiser Permanente (CA residents only)

HMSA (HI residents only) MetLife

Vision Service Plan (VSP) Your Spending Account (YSA)

The Hartford

MetLife, ID Watchdog, Nationwide

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Value Consumer Driven Health Plan (CDHP) + Health Savings Account (HSA)

Savings CDHP + HSA PPO HMO ? Kaiser / HMSA

Preventive Plan Enhanced Plan

VSP Choice Plan

Traditional Health Care FSA Traditional Dependent Day Care FSA Limited FSA* Commuter Benefit Program

Company Paid Team Member Life Supplemental Team Member Life Spouse Life AD&D (for Team Member Only or Entire

Family) Dependent (Child) Life Short-Term Disability Long-Term Disability Business Travel Accident

Critical Illness Accident Identity Theft Legal Pet Insurance

*(CDHP members only)

What's New for 2018?

2018 CDHP Minimum Required Deductibles

To remain HSA eligible under IRS guidelines, the UHC Value Plan deductibles have increased: ? $1,350 for self-only coverage (up $50 from 2017) ? $2,700 for family coverage (up $100 from 2017)

Flex Spending, Commuter, and Health Savings Accounts Maximums

? Annual limit for both the Health Care and Limited Flexible Spending Accounts increased to $2,650. ? Commuter monthly pre-tax limit increased to $260. ? Health Savings contribution limit increased to $3,450 for individual and $6,900 for family.

Smart90 Walgreens

Team members enrolled in the United Healthcare medical plan with Express Script prescription coverage may fill a 90-day mail-order maintenance medicine at the same co-pay/coinsurance as Express Scripts at participating Walgreens

This Benefits Summary is intended only to highlight available benefits and should not be relied upon to fully determine coverage. The benefit plan may not cover all health care expenses. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage that you will receive upon enrolling in the Plan(s). If this Benefits Summary conflicts in any way with the policy issued by the employer, the Policy shall prevail. Summary Plan Descriptions are available on MainStreet and in the Benefits System.

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All About Enrollment

Eligibility

Team members are eligible to enroll themselves along with their qualified dependents in the Medical, Prescription Drug (Rx), Dental, Vision and Life plans offered. Qualified dependents include:

? Legal spouse

? Same and opposite-sex domestic partner

? Children up to age 26 (medical, Rx, life)

? Children up to the age of 30 (dental and vision coverage)

? Disabled children (no age limit for coverage)

Domestic partner and child(ren) coverage will be subject to after-tax deductions and imputed income in accordance with the Federal Tax Code. Legal spouses will be eligible to receive benefits on a tax-free basis.

This calculated fringe benefit is known as imputed income. This fringe benefit will increase your taxable income. Therefore, your federal, state, Social Security and Medicare taxes may increase. As a result, your net pay will decrease. Your health insurance premium will continue to be deducted on a pre-tax basis.

Please Note: When enrolling dependents, verification of eligibility must be provided. If you add new dependents to coverage during enrollment or as a new hire, you will receive an email notification at work and mailing to your home address on file requesting documents to verify dependent eligibility. The notice will contain detailed instructions on collecting documents such as birth certificates, marriage licenses and tax records. Acceptable documentation is listed on page 7 in the "Qualified Life Events" section.

Once you receive the request notice, you will be notified of the deadline to send copies to the Dependent Verification Center. Failure to submit requested proof to will make your dependent(s) ineligible for coverage and they will be immediately removed from benefits on a go-forward basis. In addition, you will need to upload, fax or mail required documents to:

Fax:

Mail:

877-965-9555

Dependent Verification Center P.O. Box 1401 Lincolnshire, IL 60069-1401

Questions can be directed to 800-804-8502. For more information regarding eligible dependents, please refer to the Definitions section of this guide.

Important Information About Covering Your Dependents

? Eligible dependent children can be covered until the end of the plan year in which they turn 26 for Medical, Rx and Life, and the day before they turn 30 on the Dental and Vision plan(s) (except HMSA Medical).

? If you and your spouse / domestic partner are both employed at the company, you may each be enrolled as a team member or covered as a dependent of the other, but not both (excluding Life and AD&D coverage).

? Only one parent may enroll a child as a dependent.

When Coverage Begins

New Hires: Coverage is effective on the first of the month following date of hire. The benefits center will send

QUICK TIP: Any changes to your elections made during the Open Enrollment period will be effective January 1, 2018. For new hires, coverage and premium payments are effective on the first day of the month following date of hire. Depending on when you enroll during your 31-day enrollment period, you may be subject to retro premiums.

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