BENEFITS ENROLLMENT GUIDE Make your elections November 4 – 22, 20132014

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VillageVitality.DaVita.com / 1-800-381-7063

Table of Contents 2014 Changes page 2

2014 Premiums / Cigna Plan Comparison page 3-4

Vitality Points / DVA Charitable Programs page 5-6

2014 Benefits Summary page 7

Don’t miss Open Enrollment WebEx Training

Important Dates/Deadlines

Make 2014 Open Enrollment Elections Nov. 4 – 22

Complete Vitality Points Healthy Actions Dec. 31

Paid Time Off Cash-Out Election Dec. 31

Employee Stock Purchase Plan Election Dec. 2 – 31

If you don’t make elections during open enrollment your Health, Dental, Vision, Life and Disability elections will default to those in effect Dec. 31, 2013. Flexible Spending Account (Medical and Dependent Care) & Health Savings Account (HSA) elections will default to $0.

DaVita’s Open Enrollment, Nov. 4 – 22, 2013 VillageVitality.DaVita.com / 1-800-381-7063

WebEx Login:> dva.webex.com> Meeting Center> Select meeting title> Meeting password: ilovebenefits

Call in # provided during WebEx login

Benefits Training

Training Topic Mon. Nov. 4

Wed. Nov. 6

Tue. Nov. 12

Thur. Nov. 14

2014 Benefit Plan Changes & Highlights 9 a.m. 1 p.m. 2 p.m. 10 a.m.

2014 Total Benefit Review 10 a.m. 2 p.m. 1 p.m. 9 a.m.

Understanding Consumer Driven Accounts (FSA/HRA/HSA) 1 p.m. 9 a.m. 10 a.m. 2 p.m.

Healthcare Consumerism: Compare Coverage, Cost, Providers & Quality 2 p.m. 10 a.m. 9 a.m. 1 p.m.

WebEx Training Schedule (MST)

All courses are available on StarLearning. Search “BEN” in course catalog.

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2014 Changes Federal Updates

Health Care Reform • All individuals will be required by law to have health coverage beginning Jan. 1, 2014• Health plan participants will pay reinsurance tax — (see page 3)• Additional information on Health Care Reform was sent to homes in September

Same-Sex Spouses

• Same-sex legal spouses, regardless of state residency, will be treated the same as opposite-sex spouses for benefit purposes. This means as of Jan. 1, 2014 same sex spouses will be eligible for:

- Pre-tax benefit premiums; no more federal imputed income - Flexible Spending Account and HRA reimbursement - DaVita Health Savings Account contribution

• All spouses are still subject to dependent verification; marriage certificate, affidavit of common law marriage, and other documentation requirements

Domestic Partners

• Domestic partners are still subject to imputed income and dependent verification

• DaVita HSA contributions are still provided to teammates only. Medical expenses incurred for a Domestic Partner may not be reimbursable from these Accounts under Federal law

Cigna PlansCigna PPO Dental • Dental implants will be added to covered benefits and subject to annual plan limits

Cigna — All Medical Plans • Chiropractic out-of-network services will no longer be covered

Cigna Basic PPO and PPO w/HRA Plan

Emergency Room co-pays will increase (all co-pays waived if admitted)

• $150 co-pay for life-threatening conditions/$300 co-pay for non-life-threatening conditions• Deductible and co-insurance still apply after co-pay

Other Benefit Plan Changes

Life Insurance

Basic coverage will be reduced• Full time: from 1.5 x salary to 1 x salary / Part time: from .75 x salary to .5 x salary• Supplemental coverage for the reduced amount is available without being subject to

Evidence of Insurability; during 2014 open enrollment only

Make sure your beneficiary information is up to date for both: 1. Life Insurance: VillageVitality.DaVita.com 2. 401(k): troweprice.com

Vitality Points• Spouses/domestic partners participating in a 2014 DaVita health plan are eligible for points• Completion date extended to Dec. 31, 2013

401(k)

• Auto Escalate will be effective Jan. 1, 2014, for active participants only• This means annual deferral elections automatically increase by 1% each year (max 10%) • Participants may opt out of this feature at any time • More information from T. Rowe Price coming soon

Did you know, only 10% of teammates have elected a beneficiary?

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• Beginning 2014, the Federal government is imposing a new tax on health plans.

• This tax will be used to help cover costs associated with Health Care Reform.

• It will be in place for the next three years and passed on to medical plan participants.

HEALTHFULL-TIME (PER PAY PERIOD)

PLAN FEATURESTM ONLY TM

+ SPOUSETM +

CHILD(REN) FAMILY

Cigna High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

$29.61 $76.27 $75.57 $113.63

• Free preventive generic Rx

• HSA automatically funded by DaVita

• HSA funds available Jan. 1, 2014

Cigna PPO with Health Reimbursement Account (HRA) $36.04 $81.43 $80.09 $122.30

• Free preventive generic Rx • HRA funded by DaVita (salary based)

Cigna Basic PPO $65.49 $148.29 $145.27 $232.89 Highest premium, lowest deductible

Kaiser & Group Health* $59.16 $134.26 $130.92 $211.34 Regional plans only available in certain states

BCBS of Alabama $59.16 $134.26 $130.92 $211.34 Available in Alabama only

Empire Blue Cross $76.48 $168.70 $165.15 $263.48 Available in some New York counties

Part-time premium is Full-time premium x 2 * Excludes Kaiser-HI

DENTALFULL-TIME AND PART-TIME

(PER PAY PERIOD)TM

ONLYTM

+ SPOUSETM +

CHILD(REN) FAMILY

CIGNA PPO $17.21 $36.99 $34.40 $52.98

CIGNA DMO $9.61 $19.25 $19.99 $30.78

Aetna DMO $10.30 $22.14 $20.60 $31.72

VISION

VSP $3.13 $5.00 $5.10 $8.23

Bi-weekly Amount

TM Only $2.42

TM+Spouse $4.85

TM+Child $7.27

Family $9.69

2014 Base PremiumsBase Health premiums assume ALL 800 (or 1,600 with Spouse) Vitality Points have been earned.

Health Care Reform — Additional Tax

Pre-register during open enrollment and be entered to WIN 2014 teammate health insurance for up to one year.

Two ways to pre-register:1. Link from Benefits Website, or2. mycastlight.com/davita

Provider

Quality

Healthcare shopping tool available January 2014.

• Locate providers• Compare cost• Compare quality And more … Castlight is provided free of charge to DaVita teammates and their

adult family members enrolled in a Cigna health plan for 2014.

Castlight

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2014 Cigna Health Plan Comparison IN-NETWORK

COVERAGE ONLY BASIC PPO PPO WITH HEALTH REIMBURSEMENT ACCOUNT (HRA)

HDHP WITH HEALTH SAVINGS ACCOUNT (HSA)

Deductible

Individual: $500

Family: $1,000

Individual: $1,000 Family: $2,000

Individual: $1,500 Family: $3,000

Out-Of-Pocket Max Individual: $3,000 for all plans Family: $6,000 for all plans — Includes deductible

Preventive Care 100%

Office Visits 80% after deductible

In/Outpatient 80% after deductible

Free Rx, Generic Mail-Order

Not Available Over 300 FREE preventive generic medications

Rx, 30-Day Supply $5 Generics / 30% Preferred / 40% Non-Preferred, $100 Max Per Rx / Does not count toward deductible

20% after deductible for all drugs Rx Mail-Order Only,

90-Day Supply$10 / 25% / 35%

$250 Max Per Rx / Does not count toward deductible

DaVita Funding Not Available

ANNUAL DAVITA SALARY

TM ONLY

TM +

SPOUSE

TM + CHILD(REN) FAMILY

Health Savings Account (HSA)

TM Only: $600 TM + Spouse: $900TM + Child(ren): $900 Family: $1,200

less than $30,000 $500 $650 $650 $800

$30,000-$50,000 $250 $325 $325 $400

$50,000 or above

$0, but all teammates eligible to participate in this plan

Health Reimbursement Account (HRA) funding based on annual salary* as of October 1, 2013

Detailed plan information for all regional plans including Kaiser, Group Health and Blue Cross are available on the benefits site.

*Annual Salary is based on hourly rate and standard work hours, as of 10/1/13.

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Vitality Points Vitality Points is DaVita’s wellness incentive program that encourages health awareness and accountability, while rewarding you for taking action. When participants complete healthy actions they automatically earn Vitality Points, ensuring they pay the base medical premium in 2014.

IMPORTANT: *Incomplete Healthy Actions will appear as a separate paycheck deduction from 2014 health premiums. Points are available to all teammates, spouses and domestic partners participating in a DaVita health plan. If you think you might be unable to meet a standard for a reward under this program, contact VillageVitality.DaVita.com and we will work with you.

HEALTHY ACTIONS DAVITA HEALTH PLAN PARTICIPATION

All Healthy Actions must be completed by Dec. 31, 2013 to save on 2014 health insurance premiums.

In both 2012 and 2013* Teammates

Can Earn

All Spouses Can Earn

LIVE TOBACCO FREE/or complete a Tobacco Cessation program 100 points/ $100 100 points/ $100

COMPLETE A VITALITY SCREENING 200 points/ $200 200 points/ $200

ACHIEVE HEALTHY MEASUREMENTS*2013 health plan participants automatically awarded Healthy Measurement points after completing a Vitality Screening.

Didn’t Meet Healthy Measurements? Complete coaching calls before Dec. 31, 2013 to earn your points.

Call a Cigna Wellness Coach today! 1-855-BE-WELL-1

Up to 400 points/ Up to $400

Automatically awarded

400 points/ $400

FINISH EARLY Complete the Tobacco and Vitality Screening by Sept. 30, 2013 to earn Early Completion points.

100 points/ $100

100 points/ $100

Total Annual Impact = $800 = $800

Additional Amount You’ll Pay Per Paycheck* (if no healthy actions completed) = $30.77 = $30.77

PEOPLE SERVICES

DEADLINE TO COMPLETE HEALTHY ACTIONS EXTENDED TO DEC. 31, 2013!

Vitality Points eligibility is based on previous DaVita health plan participation and benefits start date..

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DaVita Village Network

• Help to offset costs not covered by insurance • Food, lodging and clothing after a natural disaster• Financial assistance due to military deployment• Memorial grants in honor of deceased teammates

DaVita Village Trust — NEW!

Deadline Nov. 22, 2013

Pre-register for Castlight

Elect Health, Dental, Vision, Disability and Life Insurance, and Flexible Spending Accounts

Add or Drop Dependents

Print Confirmation Statement

Deadline Dec. 31, 2013

PTO Cash-out Election

Record Tobacco Status

Complete Vitality Screening

Complete Coaching Calls (if you don’t meet Healthy Measurements)

Employee Stock Purchase Plan (ESPP) Election (additional enrollment period June 1 – 30, 2014)

Elect or Change Anytime

DaVita Charitable Donations

• DaVita Village Network (DVN)• DaVita Political Action

Committee (DaPAC)• NEW! DaVita Village Trust • Dialysis Patient Citizens (DPC)

401(k) Deferral Elections

Designate Life Insurance and 401(k) Beneficiaries

Health Savings Account (HSA) Contribution

DaVita Open Enrollment Nov. 4 – 22, 2013

VillageVitality.DaVita.com 1-800-381-7063

DVN donations are also used to meet other community needs through local programs aligned with supporting teammates and their families as well as other worthy causes outside the Village.

We Are Well Is Back for the 3rd year!

The We Are Well Award will recognize up to 40 teammates who are doing the right things for their health.

You could WIN free Teammate Health Insurance in 2014!

Send us your story by Nov. 30, 2013. Applications available on: VillageWeb > People Services Portal > Village Vitality.

Stanley Langhofer, Regional Operations Director for Apex

Open Enrollment Checklist

Two great causes under one umbrella!

Now you can contribute to both causes at one time.

Jan. 1, 2014, The Kidney TRUST™ and Bridge of Life-DaVita Medical Missions™ will automatically go into the DaVita Village Trust. Donations can be changed or discontinued at any time.

Financial help for teammates when it’s needed most.

Contact davitavillagenetwork@davita.com to get started

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Medical

• Cigna HDHP w/Health Savings Account (HSA)

• Cigna PPO w/Health Reimbursement Account (HRA)

• Cigna Basic PPO

Dental• Cigna PPO & DMO• Aetna DMO

VisionVision Service Plan

Vitality Points A wellness incentive program that encourages health awareness and accountability

Flexible Spending Accounts (FSA)• Healthcare Spending Account• Dependent Care Spending

Account

Employee Assistance Program Confidential toll-free hotline for counseling, information & referrals to a wide range of services, 1-855-BE-WELL-1

Life and Accidental Death & Dismemberment (AD&D)1 times annual base salary

Short-Term Disability 60% of weekly earnings; up to $1,000/week

Long-Term Disability 50% of monthly earnings; up to $10,000/month

Voluntary Life and AD&D• Voluntary teammate Life and

AD&D Insurance • Voluntary spouse and

child Life Insurance

Voluntary Short-Term Disability Option to purchase additional 15% of coverage, up to 75% of weekly earnings, total max $1,250/week

Voluntary Long-Term DisabilityOption to purchase an additional 10% of coverage, up to 60% of monthly earnings, total max $12,500/month

Triple Crown Profit Sharing ProgramRecognizing teammates and sharing profits when the company does well

401(k) Retirement Savings PlanOffers pre-tax payroll deductions toward retirement savings

Employee Stock Purchase Plan (ESPP) An opportunity for teammates to purchase company stock at a discounted price

2014 DaVita Benefits Summary

• Kaiser HMO (designated areas only)

• GHC (East and West Washington)

• Blue Cross Blue Shield of Alabama

• Empire Blue Cross (New York)

Summary for full-time teammates. Eligibility requirements, coverage and cost available at VillageVitality.DaVita.com

Education Assistance Paid Time Off (PTO) Little Star Gift

Adoption Assistance Village Care Village Market Place

Other DaVita Benefits

Home & Auto Insurance Legal Services Pet Insurance