YOUR MEDICAL BENEFITS USER’S E-GUIDE

Make the most ofThey’re your benefits.

them…

For 2015 U.S. Waters employees and covered family members.

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Take control of your health careWe understand that enrolling in the Health Reimbursement Account (HRA) Medical Plan or Health Savings Account (HSA) Medical Plan with a deductible and coinsurance may be a little intimidating. We want to help you use and manage these plans. There are some tips and tools available to you to help ensure you use your plan effectively, get the most from it, and don’t pay more than you should as you use your plan.

Reading this e-Guide could save you money. This is no guarantee, but reading this guide and making the most of the information we provide will help you:

Click the box above to go to that section.

Click here for helpful tips in a handy cheat sheet.

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HRA and HSA pre-tax accountsThe two medical plans, the HRA Medical Plan and HSA Medical Plan, each feature a pre-tax account that allows you to save

money on taxes to pay for eligible medical expenses. The HRA Medical Plan comes with a pre-tax HRA Account, and the

HSA Medical Plan comes with a pre-tax HSA Account.

Waters will contribute money to your account if you participate in the Cigna MotivateMe Incentive Awards Programs.* Start by

completing the Health Assessment and submitting your biometric numbers. Your spouse or domestic partner is also eligible to

earn these wellness incentives. Also, once you have completed your assessment and biometrics, you can increase the company

contribution by completing additional Cigna MotivateMe Incentive Award activities.* Read more on page 14.

Your unused balance in your HRA Account will automatically carry into the next calendar year up to the plan’s annual deductible

amount. Your HSA Account will never forfeit, as your balance will always carry into future calendar years, even if you leave Waters.

With the HRA Medical Plan, you can’t contribute your own money to your HRA Account, but you can still set your own pre-tax

money aside into a General Purpose Health Care FSA if you choose.

You cannot have a General Purpose Health Care FSA if you or your spouse have a high deductible health plan with an HSA

Account. However, you can contribute your own pre-tax dollars to your new Limited Purpose Health Care FSA, and to your

HSA Account instead, in addition to the money Waters will put in. The HSA Account even earns interest. If you choose the HSA

Medical Plan, we suggest you take the money you will be saving with a lower payroll deduction cost for medical coverage and set

it aside, pre-tax, into your HSA Account. You never risk forfeiting money in your HSA Account, as you can draw from it when you

incur eligible out-of-pocket health expenses (even after you leave Waters). You can only use money in your HSA Account tax-free to pay for eligible out-of-pocket health expenses for you and your eligible IRS tax dependents. For

example, if you have a child who is younger than age 26 but is not your tax dependent, you can still cover that child on either of

our two medical plans, but you cannot use your HSA Account money tax-free to cover his or her out-of-pocket health expenses.

* Find details and instructions on the login page of watersbenefitsnow.com in the Cigna MotivateMe Incentive Awards document.

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Saving and contributing to the HSA AccountThe HSA Account provides you with flexibility and control. You decide how much you want to save in your account (up to IRS

annual contribution limits), when you want to spend that money and how much you want to contribute.

Savings optionsIf you have the HSA Plan, we suggest you at least take the money you will be saving with a lower payroll deduction cost for

medical coverage and set it aside, pre-tax, into your HSA Account. The HSA Account even earns interest. You never risk forfeiting

money in your HSA Account as you can draw from it when you incur eligible out-of-pocket health expenses (even if you leave

Waters). You can either use that money to help cover your eligible health expenses this year or pay out of pocket now and save

that money for your future costs.

You also have the option of investing the money in your HSA Account once your balance reaches $2,000—giving you more

control over your savings. Learn more about the benefits of long-term investing and how that may affect you.

If you have a prior HSA Account and would like to transfer those funds into this account, just download this form.

Do you have money in a retirement plan from a previous employer? No problem. You can roll over your IRA funds into your

HSA Account. It’s easy. Just download this form and follow the instructions.

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How to contribute Waters provides a company contribution to your account—up to $500 for single coverage or up to $1,000 for family coverage in

2015—by completing special Cigna MotivateMe incentives. Be sure to take advantage and save (see page 14 for more details).

We suggest that you also contribute to your HSA Account through automatic payroll deductions to get a triple-tax advantage:

z Your savings aren’t subject to payroll taxes—so you never pay taxes on the money you save

z Any money you spend from your HSA is tax-free as long as you use it to pay for eligible health care expenses

z Earnings on your savings grow tax-free

You can set up, change or stop your payroll deductions at any time of the year. Simply go to watersbenefitsnow.com to

change your contribution amount. You can choose to have the same amount deducted from each paycheck or you can choose

different amounts for each pay period.

You can also contribute to your HSA Account in other ways, including by making deposits from your other personal accounts. For

more information, call Cigna using the phone number on your Cigna member ID card.

Keep in mind that while there’s no minimum amount that you can contribute, the IRS limits how much you can save pre-tax in

your HSA. For 2015, those amounts are:

z $3,350 if you have employee only coverage*

z $6,650 if you cover any other dependents*

If you reach age 55 during the plan year, you can also make up to $1,000 in additional tax-free catch-up contributions per year

until you reach age 65.

*These include all contributions to your HSA Account, both employer and employee contributions.

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Deductible*The amount you will pay for medical services before the plan begins to pay benefits. Many common uses are not subject to a deductible, such as office visits and prescriptions.

CoinsuranceThe percentage of the cost for medical services that the plan will pay. You are responsible for paying the remaining amount.

CopaymentA fixed amount of money that you will pay for prescription drugs in the HRA Plan. The HSA Plan doesn’t have any copayments.

Out-of-Pocket Maximum**The maximum you’ll have to pay in coinsurance in a calendar year if you actually have high enough claims to reach this. If your medical services exceed the amounts below in coinsurance during a calendar year, your medical plan will pay the remainder in full.

In-Network Amounts

HRA Plan $750 individual/$1,500 for two people/$1,900 family

90% coinsurance after you meet the deductible; preventive care services are covered at 100%

Prescription drugs will be a copayment and not count toward the HRA Plan deductible, but will count toward the HRA Plan out-of-pocket maximum.

$2,250 individual/$4,500 for two people/$5,700 family

HSA Plan*** $1,450 employee only/$3,500 for two people or more; includes prescription drugs in the HSA Plan

90% coinsurance after you meet the deductible; preventive care services are covered at 100%

Prescription drugs will be subject to the deductible and coinsurance in the HSA Plan, and will count toward the deductible and the out-of-pocket maximum.

$4,450 employee only/$10,500 for two people or more

* The deductible is not an expense you automatically have to pay. You pay for all eligible services out of pocket up to these limits before the plan will begin sharing in the out-of-pocket costs shown as the “coinsurance.” If you don’t have any out-of-pocket expenses, or if your out-of-pocket expenses are less than these deductible amounts, you only pay what your claims really are.

** The out-of-pocket maximum is not an expense you automatically have to pay. This is the maximum amount you will pay out of pocket in the calendar year if your claims are high enough to reach this worst-case scenario. It includes all deductibles, copays and coinsurance. If you do meet this out-of-pocket expense due to high claim amounts, Cigna will pay any and all eligible charges over this amount at 100% for the remainder of the year.

***You cannot enroll in the HSA Plan if you are already enrolled in medical coverage elsewhere, including a Medicare plan, that is not considered a high deductible consumer-driven health plan.

Avoid costly mistakesHow your plans work

The first step in avoiding costly mistakes is making sure that you understand how you and your medical plan share the cost for services. Please

consider the upfront premium cost to have either plan, which is your paycheck deduction. Find these premiums on page 7. Then, Waters offers

comprehensive medical plans that pay for most of the cost for services you receive, once you have met your deductible*. Depending on the medical

plan you’re in—the HRA Plan or HSA Plan—and whether you receive care from a provider and/or facility in Cigna’s network, your share of what

you pay for services will vary.

Using a provider and/or facility within Cigna’s Open Access PPO network (Tufts Carelink network in New England) makes you eligible for

in-network benefits, which are shown below. You will generally pay more for services received from out-of-network providers and/or facilities.

How you and your Waters medical plan pay for medical services

Following are some key terms and details showing how you and your medical plan pay for in-network medical services during the year. For a more

detailed summary of what your plan covers, go to watersbenefitsnow.com.

*In the HRA Plan, the deductible and out-of-pocket maximum are per person, even if you cover any dependents. The deductible and out-of-pocket maximum are collective in the HSA Plan, regardless of dependents.

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Medical coverage: what you pay per paycheck

Here are your 2015 biweekly and annual payroll deduction amounts for medical coverage.

2015

Biweekly Annual

Employee only

HRA Plan $60.84 $1,581.84

HSA Plan $27.30 $709.80

Employee + spouse/partner

HRA Plan $126.36 $3,285.36

HSA Plan $57.72 $1,500.72

Employee + child(ren)

HRA Plan $113.88 $2,960.88

HSA Plan $51.48 $1,338.48

Family

HRA Plan $185.64 $4,826.64

HSA Plan $84.24 $2,190.24

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How to use your medical planYou shouldn’t pay at the doctor’s office anymore! Your new medical member ID card tells the doctor’s office to bill you later, after

it bills Cigna. All you have to do is show your member card to the receptionist and wait for the Cigna Explanation of Benefits

(EOB) statement to arrive in the mail or on www.myCigna.com. (You will continue to pay up front for prescription drugs.)

Once you get the EOB, it’s easy to process your claim. Your eligible medical expenses will count toward your deductible and

out-of-pocket maximum*. Once you reach your deductible, you will pay 10% coinsurance until you reach your out-of-pocket

maximum, except for a three-tier copay for prescription drugs in the HRA Plan. Remember, you’ll pay for your eligible medical

expenses tax-free if you use your HRA or HSA Account. For a list of eligible medical expenses, go to www.myCigna.com.

With the HRA Plan, Cigna will automatically draw from your HRA Account to pay your out-of-pocket costs to the provider. If

your HRA Account is depleted, the EOB will show what you owe, then you can make payment to the provider using your Health

Care FSA FlexExpress® Card or some other form of payment. You can see claim details on www.myCigna.com.

With the HSA Plan, you choose to pay using your HSA Account or not. Either way, you can see this when you receive your

EOB and you can manage it or initiate payment on www.myCigna.com.

The HSA Account comes with a handy debit card that you can use to quickly pay for your eligible medical expenses. For example,

use your debit card when buying prescriptions or for a new pair of prescription eyeglasses at the mall. The debit card makes it

easy to access your pre-tax dollars to pay for medical expenses—without having to fill out a claim form. Just be sure to use it only

for IRS eligible health expenses. You can pay over the phone or online with your HSA card.

You can even add your personal bank account to your HSA Account so they are linked. You can then transfer money electronically

to yourself. This is handy if you need to pay for an eligible expense using a method other than your HSA Account and want to

reimburse yourself later.

*In the HRA Plan, the deductible and out-of-pocket maximum are per person, even if you cover any dependents. The deductible and out-of-pocket maximum are collective in the HSA Plan, regardless of dependents.

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Annual Maximum Out-of-Pocket Cost*

Estimated Annual Employee Paycheck

DeductionTotal Maximum Annual

Out-of-Pocket Cost

Deductible + Coinsurance

Out-of-Pocket Maximum

HRA Plan$750 deductible +

$1,500 coinsurance =$2,250 + $1,581.84 = $3,831.84

HSA Plan$1,450 deductible +

$3,000 coinsurance =$4,450 + $709.80 = $5,159.80

*For one person worst-case scenario (including deductible, coinsurance, up to annual out-of-pocket maximum, and for treatment performed at an in-network facility). Go to watersbenefitsnow.com for the full plan design details for all dependent coverage level tiers.

With those amounts in mind, you can see that it’s important to budget throughout the year so the savings is available in case

you need it. You should set a reasonable budget for the year that may not assume the worst, but would ensure that you can pay

your share of the cost for medical services if something does happen. For example, if you’re in the HSA Plan, it would be a good

idea to set aside the money that you are saving each month with lower payroll deductions into your HSA Account so it will be

available to cover your medical costs. If you don’t need to use it, you’ll have all that money saved at the end of the year for you to

carry over to the next year and beyond to cover your future eligible medical expenses.

Do you have the right coverage?

You’ll pay more with the HSA Plan if you reach the out-of-pocket maximum for the year. However, if you don’t need that much coverage, you could save money with the HSA Plan. That’s why it’s important to plan ahead so you can determine which plan best meets your needs.

Planning for the unexpectedThere is no way of knowing for sure what may happen health-wise in your family during the upcoming year. When you choose

your Waters medical plan as a new hire or during Open Enrollment each year, you should look back at how much you spent on

medical services the previous year so you can better estimate what your health needs might be the following year. You can find

your out-of-pocket costs by following the instructions on page 13. But you can only guess at what your health care needs will

be in the future. That’s why it’s important to have a backup plan ready in case you need to pay more out of your pocket than

you expected.

Setting a budget

The first step in planning for unexpected medical expenses is to know how much you would have to pay out of your pocket

if the worst should happen. Let’s say you or someone in your family is diagnosed with a medical condition that will require

treatment at a total claim cost of several hundred thousand dollars. Regardless of which medical plan you’re in, there is a limit to

how much you’d have to pay out of your own pocket.

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Before you pay your billMake sure you are responsible for the charges for health care services you receive.

Consider the following before you pay your bill:

Did you receive an Explanation of Benefits (EOB) statement from Cigna? This is a summary of how your plan covers the services you

receive. It will tell you the total amount charged by your health care provider,

the Cigna negotiated rate, how much the plan is paying, and how much you

are responsible for. It is not a bill. You should make sure it matches up with

the amount you are actually being charged by your health care provider.

If you opted for paperless communication with Cigna, you will not

receive an EOB in the mail. You can see your EOB online by logging on to

www.myCigna.com.

When you view your EOB, you should carefully check to ensure the plan

is covering services according to the terms of your plan.

If you receive a bill and you have not received an EOB from Cigna, it’s possible Cigna may not yet have processed your claim. When this

happens, you should contact Cigna using the number on your ID card right

away to check on the status of your claim and ensure it is processed. Call

Cigna anytime you are not 100% confident that what your doctor/facility/lab

is billing you is correct. If you still aren’t comfortable, hand the issue over to a

Health Advocate, who will work on your behalf (see next page for details).

Don’t ignore your bill.

Always check for mistakes. If there are issues, resolve them right away. (Waters provides resources to help you.) But never ignore a bill—your provider could refer it to a collection agency, which could impact your credit rating.

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Health Advocacy ServicesDealing with health care issues can be challenging. Between finding the right health care provider (doctor, dentist, etc.), finding the right treatment, billing and claims issues, and getting answers to your questions, it’s not always clear what to do next. Add Medicare into the mix and things can get even more challenging. But it doesn’t have to be this way...

Get an expert to help you

If you are enrolled in a Waters medical plan, you are automatically eligible to use this free support for all of your health care plans (medical, prescription, dental, vision, life insurance, disability, FSAs and Medicare). With Advocacy, you’ll get health care access and claims help for you and your family members (including your parents, mother - and father-in-law and any elderly person who resides with you). The Advocate Team will research your issue and work with your health plan and/or doctor to resolve it on your behalf. All calls are confidential. You can even bring claims that you incurred over the past 24 months. An Advocate can also help you better understand your benefit choices before you enroll.

How do I reach the Advocate Team?

Before you request assistance from the Advocate Team, you must make at least one attempt to resolve the issue directly with your health plan and/or doctor. If your issue is still unresolved, log on to www.aonhewittadvocacy.com or call the Waters Benefits Now Call Center at 1-866-994-5111 (1-407-471-9359 outside the U.S.) and ask to be connected to Advocacy. When you call about an issue, make sure you have on hand: relevant dates, bills and claim information, as well as contact information and responses from your doctor and/or health plan.

A representative will review your issue to determine next steps. If it requires Advocacy assistance, the representative will forward your issue to the Advocate Team. An Advocate Team member will contact you within two business days to follow up. Critical, time-sensitive issues will receive immediate attention.

Access to care• Pre-approval of treatment or surgery

• Pre-approval of treatment has been denied

• Locate network providers

Claim issues

• Denials

• Reduced benefit

• Claim filing concerns

• Claim pending additional information

• FSA claim processing problems

• Physician or hospital billing concerns

• Health plan coordination with Medicare

• Collection agency assistance

Elder care • Provide information and guidance about

additional coverage options, such as Medicare

• Help with Medicare claims and issues

• Help with home health care and adult day care

• Help find a nursing home

• Help find elder support groups and activities

Added security with “Best Doctors”All employees who are enrolled

in a Waters medical plan, and

their covered family members,

have access to the Best Doctors

program. This program connects

you to world-renowned medical

experts who make sure you are

set up for the right diagnosis and

treatment. More than 20% of

cases reviewed by Best Doctors

have a change in diagnosis, and

more than 60% have a change

in treatment. This program can

also refer you to top doctors

nationwide.

To access the Best Doctors

service, call 1-866-904-0910 or

go to www.bestdoctors.com.

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Get the most from your coverageSometimes, the more you use your medical plan, the less you’ll pay for

medical care in the long run. How does that work?

Here’s how: Both Waters medical plans cover preventive care services

such as your annual physical and preventive treatments and screenings

at no cost to you, provided you use in-network doctors and/or facilities.

How does that help? When you get your annual physical and age/gender-

appropriate treatments and screenings, you’re helping your doctor uncover

any potential health risks that he or she can work with you to reduce.

z Through an annual physical, your doctor can uncover risks such as high

blood pressure, high blood sugar or high cholesterol. These risks, if

untreated, can lead to serious medical conditions such as stroke, heart

disease and diabetes. Any one of these three conditions will mean

potentially thousands of dollars in treatment, not to mention significantly

reduced quality of life and premature death. So ask yourself: Isn’t a

once-per-year physical worth the time?

z Don’t forget about age/gender-appropriate preventive treatment and

screenings. These include services such as mammograms and colorectal

cancer screenings—which are covered by both Waters medical plans

at 100% with no copayment—provided you use in-network doctors

and/or facilities.

z And remember to use Cigna network laboratories when you need

blood work done to save money. If you go to Quest Diagnostics or

Laboratory Corporation of America (LabCorp) you’ll get high-quality

service at up to 75% off the cost of going to an out-of-network

lab. Click here to learn more.

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Get the most from www.myCigna.comDo you need a medical procedure? Your medical plan comes with a personalized Web site to help you track your medical and

prescription drug claims; check your account balance and how much money has been applied to your deductible; find doctors

and specialists; compare doctor and facility quality ratings and procedure costs; and get the best price for services. You can even

download the myCigna Mobile App onto your mobile device from the Web site. It’s easy to register and get started, just go to

www.myCigna.com. (Each covered dependent should register as well—separate from you.)

You can also use www.myCigna.com to help you better understand what your future medical costs will be in 2015

and beyond:

z To see what your historical medical and/or prescription claims cost, click “Manage Claims,” then “Claims.” Choose the member,

medical or prescription, and the time period you want to look at. Add up what your Cigna plan paid plus what you paid (both

shown on the site). These are the actual Cigna negotiated rates per item. For medical or prescription drug expenses in the

HSA Plan, or just medical expenses in the HRA Plan, these amounts are what will first apply up to your annual deductible,

then be shared through coinsurance, and will ultimately be capped at the out-of-pocket maximum if your claims are that

high. Prescription drugs in the HRA Plan will be covered through a three-tier copayment.

z To determine what a future medical service or prescription drug might cost you, go to the top menu and click on “Estimate

Health Care Costs,” then use the Medical or Prescription Expense Estimator tool, which will reveal the negotiated costs for

services per location, facility, doctor or pharmacy. For determining prescription drug costs, if you have the HSA Plan, review

the “Total Cost” row for the full negotiated cost that will apply to your deductible and coinsurance. The HRA Plan prescription

copay cost will be the “Your Cost” row.

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Take your Health Assessment and get a biometric screening, plus additional wellness incentives!Cigna MotivateMe Incentive Awards Program

In this program, Waters has chosen several available actions that we feel are important to everyone’s health and

are worth us incenting our employees and their covered spouses/partners for participating. We feel that these

activities are important preventive measures to help you avoid or catch conditions early. Not only can you earn

company contributions for participating, but all of the available activities are free to you to do. You can earn up to

$500 as an employee, plus an additional $500 if you cover a spouse/partner and they also take full advantage of all

the available incentive activities.

Once you are a covered Cigna member, you must take the Health Assessment, and obtain your biometric numbers

in one of the three qualified ways, to be eligible to receive the $250 Waters incentive contribution to your HRA

Account or HSA Account. If you cover a spouse/partner, they, too, can take the Health Assessment and obtain their

own biometrics to be eligible to receive an additional $250 Waters incentive contribution to your HRA Account or

HSA Account. Children can take their own Health Assessment, but cannot receive the company contribution. To

get your biometric numbers, you must complete a biometric screening. Remember to have your biometric numbers

recorded in one of the three acceptable ways as explained in the Cigna MotivateMe document found on the home

page of watersbenefitsnow.com.

Find the Cigna MotivateMe Incentive details on the Waters Benefits Now website at watersbenefitsnow.com.

You will need your Cigna member ID card before you can take your assessment on www.myCigna.com.

You can increase the company contribution to your HRA Account or HSA Account by completing additional

Cigna MotivateMe Incentive Award activities* (up to $250 for employee only or employee plus child[ren]

coverage, or up to $500 for employee plus spouse/partner with or without child[ren] coverage), but you

must complete the Health Assessment and biometric screening first. You can do the Health Assessment and

biometrics through December 31, 2015.

*Available activities are explained in the Cigna MotivateMe document found on the home page of watersbenefitsnow.com.

There’s more free money to be found on www.myCigna.com under Manage My Health> Incentive Awards.

Earn additional company contributions to your HRA Account or HSA Account by completing eligible Cigna MotivateMe Incentive Award activities, like getting your annual preventive physical or completing a personal goal with a Cigna coach via their live phone program or Web-based programs. All activities are free to you.

Save money on wellness programs through the Cigna Healthy Rewards program (fitness centers, weight or stress management, and alternative medicines).

It’s confidentialYour personal Health Assessment answers are kept completely confidential at Cigna and are not shared with Waters on a per-person basis, nor are they used to determine benefits or premiums.

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Earn more money in your HRA or HSA AccountIt pays to get healthy. Get rewarded for your healthy actions through Cigna’s MotivateMe Incentive Awards Program. The more

you do, the more you can earn, while saving on taxes.

In addition to taking your Health Assessment, complete healthy activities and you and your spouse/partner can earn additional money

in your HRA or HSA Account to cover your eligible medical expenses.

To get started, go to www.myCigna.com and click on “Manage My Health,” then “Incentive Awards Program.”

In total, you can earn up to $1,000 depending on your medical coverage level and if you take advantage of all the incentives

Waters offers.

Waters contributions to your HRA or HSA Account

Coverage level

Company contribution to HRA Account or HSA Account*

Employee only

Employee plus child(ren)

Employee plus spouse/partner with or without child(ren)

Complete a Health Assessment and complete biometrics

$250 $250 $500

Other activities** in 2015 for additional contributions up to

$250 $250 $500

Total potential contribution up to $500 $500 $1,000

* An HSA Account earns tax-free interest and allows you to contribute your own pre-tax dollars in addition to the above company contributions. ** Find details and instructions in the Cigna MotivateMe document on the home page of watersbenefitsnow.com.

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Cigna Program Call Go Online

Cigna Your Health First®

Get personalized support from professional nurses, coaches, nutritionists and clinicians—for all of your healthy lifestyle needs

1-855-246-1873 www.myCigna.com

Cigna 24-Hour Health Information LineSM

Not sure whether or not to seek medical attention? Get immediate assistance anytime you need it

1-800-564-9286 www.myCigna.com

Cigna Healthy Pregnancies, Healthy Babies®

Get prenatal care, support through the duration of your pregnancy and when you have your baby

1-800-615-2906 www.myCigna.com

Cigna Health Advisor®

Get confidential help with ongoing health issues—even when you’re not sure where to begin

1-800-244-6224 (ask for Health Advisor)

www.myCigna.com

Cigna Lifestyle Management ProgramsGet help managing weight, tobacco addiction and stress

1-866-417-7848 www.myCigna.com

Cigna Tel-Drug Mail Order ServiceThis is the program for you if you take regular prescription medication

1-800-285-4812 www.myCigna.com

Customer ServiceOpen 24/7—365 days a year!

1-800-244-6224 www.myCigna.com

myCigna Mobile AppGet instant access to your medical and prescription drug plans, claims and helpful tools from your mobile device

www.myCigna.com

More from Cigna…Waters partners with Cigna to provide medical coverage and tools and resources to help you and your family get healthy

and stay healthy.

Here is a list of resources you have access to as a Cigna member.

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DO This DON’T DO This

Know how your medical plan works, so you know what you should end up paying for medical services and what the plan is responsible for. If there is a discrepancy, you are responsible for bringing it to the attention of your provider and/or your health carrier.

Assume your provider and Cigna will take care of everything.

Budget for unexpected medical expenses and use your HRA or HSA Account, and General Purpose Health Care FSA if you’re in the HRA Medical Plan or Limited Purpose Health Care FSA if you’re in the HRA or HSA Medical Plan, to pay for eligible services. You should always save enough to cover your deductible and as much as you can for coinsurance, if applicable.

Get caught off guard by unexpected medical expenses.

Pay careful attention to your Cigna EOBs and compare them to the health care bills you receive in the mail. This is how you can be sure not to pay more than what you are really responsible for.

Ignore a bill or—almost as bad—just pay it right away without checking to see that it’s accurate.

Use in-network health care providers so you and the plan pay less for the services you receive. Go to out-of-network providers without first checking to see if there are other high-quality providers in your area who are in your plan’s network.

Take advantage of free preventive care services such as an annual physical and age/gender-appropriate screenings.

Assume you are somehow healthier than everyone else and you don’t need to get an annual physical or recommended screenings.

Get the care you need if you become sick or injured. Avoid getting care just to save money. You’ll feel worse in the long run and you could end up paying much more.

Take your Health Assessment and have your biometrics screened annually. Pass up the opportunity to receive up to $500 in your HRA or HSA Account.

Use generic drugs (if available) and Cigna’s Tel-Drug mail order service for maintenance medications.

Throw away money on a high-cost, brand-name prescription drug when a generic equivalent is available; or purchase maintenance medications at a retail pharmacy.

Register on www.myCigna.com and take advantage of all that your medical coverage has to offer.

Assume that you don’t have a role in staying healthy and paying less for health care.

Call the Waters Benefits Now Call Center at 1-866-994-5111 (1-407-471-9359 outside the U.S.) if you have a general benefit question or want to use Health Advocacy Services.

Call your local HR representative or ask a coworker if you have a benefit question or issue.

Call Best Doctors at 1-866-904-0910 or go to www.bestdoctors.com for a free and confidential second opinion for diagnosis and treatment plans.

Assume the first diagnosis or treatment plan prescribed to you is accurate or best for you.

Cheat Sheet

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This brochure provides a summary of some of the health benefit plans offered to Waters Technologies Corporation

U.S. employees.

If there are discrepancies between the information included in this brochure and the applicable plan documents or insurance

contracts, the plan documents and insurance contracts will govern in all cases. Waters reserves the right to amend or discontinue

the plans described in this brochure at any time.

January 2015