Take the Wheel Benefits for the Road Ahead - BorgWarner

 
Take the Wheel Benefits for the Road Ahead - BorgWarner
2019 BENEFITS REFERENCE GUIDE   PHYSICAL WELLNESS

Take the Wheel
Benefits for the Road Ahead
Take the Wheel Benefits for the Road Ahead - BorgWarner
Have questions? We have answers.
QUESTIONS ABOUT:                                                   CALL:                                                         VISIT:
Medical and Dental                                   BorgWarner One Guide Team:                                             www.myCigna.com
Election Guidance                                         1-800-237-2904
General Benefit and                                     HR Link: 1-844-429-5465                                          hrlink@borgwarner.com
Enrollment Questions                                                                                                   www.borgwarner.com/benefits
Health Coaching and                                 Cigna Customer Service Line                                             www.myCigna.com
Care Management                               (Personal Health Team): 1-800-237-2904
Cigna Claims                               Cigna Customer Service Line: 1-800-237-2904                                      www.myCigna.com
(Medical, Prescription Drug,
Dental, FSAs)
Telehealth
• MDLIVE                                                       1-888-726-3171                                              MDLIVEforCigna.com
• Amwell                                                      1-855-667-9722                                               AmwellforCigna.com
Healthcare Rewards Program                             DirectPath: 1-866-253-2273                                       www.directpathhealth.com
24-hour Nurse Line                                 Cigna Nurse Line:1-800-237-2904                                          www.myCigna.com
Mail-Order Prescriptions                              1-800-TEL-DRUG (835-3784)                                             www.myCigna.com
Vision                                                    Cigna: 1-877-478-7557                                             www.myCigna.com
Disability/FMLA                                           Cigna: 1-800-362-4462                                             www.myCigna.com
Life Insurance and AD&D                                  MetLife: 1-888-622-6616                                       www.metlife.com/mybenefits
Critical Illness                                         Allstate: 1-800-521-3535                          https://www.allstateatwork.com/mybenefits/
Retirement Savings Plan (RSP)                           Vanguard: 1-800-523-1188                                https://retirementplans.vanguard.com
EAP                                                           1-800-237-2904                                                www.myCigna.com
InfoArmor                                                     1-800-789-2720                                               MyPrivacyArmor.com
MetLaw                                                        1-800-821-6400                                             members.legalplans.com
Livongo                                                       1-800-945-4355                                               www.my.livongo.com
DirectPath                                                    1-866-253-2273                                               directpathhealth.com
Omada                                                         1-888-409-8687                             omadahealth.com/borgwarner (available 1/1/19)

                     Your Benefits Information Is Just a Click Away                                                                             Watch This!
                     www.borgwarner.com/benefits
                                                                                                                                 Watch the helpful videos about
                     This Benefits Reference Guide provides brief descriptions of the benefits offered to full-time,
                                                                                                                                 BorgWarner’s benefits and
                     non-union employees for 2019. For more information, visit the BorgWarner benefits website to:
                                                                                                                                 wellness programs. Use your
                        Access enrollment materials, wellness forms and various notices.
                                                                                                                                 barcode app on your smartphone
                        Learn about your benefits and how they work.
                                                                                                                                 to scan this code:
                        Find out how the Cigna Personal Health Team can support you and your family.
                        View the Summary of Benefits and Coverage (SBC).
                        Access Workday® to enroll and manage your benefits.
                        And more…
                                                                                                                                 Or, view the videos online:
Don’t have access to a computer? Want printed copies of materials? Please contact HR Link.                                       www.borgwarner.com/benefits
Take the Wheel Benefits for the Road Ahead - BorgWarner
What’s Inside

      S TA R T YO U R E N G I N E S ! .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
             Your Checklist for a Successful Enrollment
                  If You Don’t Enroll Online On Time
      R U L E S O F T H E R O A D : B E N E F I T B A S I C S .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
             Eligibility
                  Working Spouse Rule
                  Coordination of Benefits
                  Family Status Changes
      D E D I C AT E D T O YO U R W E L L B E I N G :
      C I G N A P E R S O N A L H E A LT H T E A M.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
      R E WA R D I N G H E A LT H Y B E H AV I O R S A N D W I S E C H O I C E S . . . . . . . . 7
           #1 Earning Lower Medical Premiums
                  #2 Wellness Incentive Program
                  #3 DirectPath Rewards Program
      P H Y S I C A L W E L L N E S S .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

       Medical Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

      		 Prescription Drug Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

       Dental Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

      		 Vision Coverage.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

      S O C I A L W E L L N E S S B E N E F I T S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
                  Supporting Families Programs
                  Voluntary Benefit Options
                  Employee Assistance Program
      F I N A N C I A L W E L L N E S S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
                  Flexible Spending Accounts
                  Disability Coverage
                  Life Insurance & Other Financial Protection Benefits
                  Retirement Savings Plan (RSP) 401(k)
      T E R M S T O K N O W . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
      R E Q U I R E D I N F O R M AT I O N . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
                                                                                                                                                                1
Take the Wheel Benefits for the Road Ahead - BorgWarner
Start Your Engines

                                     Welcome to Your Benefits for the Road Ahead
                                     BorgWarner is committed to providing you with valuable benefits and comprehensive wellness
                                     resources to promote healthy and productive lives, including:

                                         Physical Wellness                             Social Wellness                               Financial Wellness
S TA R T Y O U R E N G I N E S

                                            Medical and Prescription                      Supporting Families Programs                  Flexible Spending Accounts
                                            • Diabetes Prevention Program                 Identity Theft Protection                     Disability
                                            • Health Management Program                   Legal Services                                Life Insurance
                                            Dental                                        Active&Fit DirectTM                           Additional Financial Protection Benefits
                                            Vision                                        Employee Assistance Program                   Retirement Savings Plan (RSP)

                                                                        “Shift into Better Health” Wellness Program

                                     BorgWarner continues to lead the industry with robust benefit plan offerings and higher-than-benchmark employer contributions.
                                     We encourage employees to become engaged in their overall well-being and we reward them for doing so. For example, BorgWarner
                                     employees who take steps to achieve optimal health have the opportunity to pay just 20% of the total cost for employee medical coverage.

                                     In addition, BorgWarner works hard to help you stretch your healthcare dollars:

                                              1
                                        Pre-tax Contributions.
                                     Most of your benefit premiums
                                                                                2
                                                                          Shift into Better Health
                                                                       Premium Incentive Program.
                                                                                                                  3
                                                                                                              Wellness Incentive
                                                                                                           Program. You and/or your
                                                                                                                                                     4
                                                                                                                                                  Opportunity to waive
                                                                                                                                              spouse surcharge. If you
                                     are deducted from your pay        You can lower the amount            covered spouse can earn taxable    plan to enroll your spouse,
                                     before taxes are withheld,        you pay for your medical plan       cash for taking positive steps     make sure he or she completes
                                     saving you 25% or more on         premium by reaching up to           toward a healthier lifestyle—      the Cigna Health Risk
                                     income taxes.                     seven specific health-related       such as completing a weight        Questionnaire (HRQ), as
                                                                       goals (each worth a point).         management program.                well as a newly required
                                                                       The more points earned, the                                            preventive annual exam, so
                                                                       more you save. Earn the $0                                             you can waive the spouse
                                                                       contribution plan by obtaining                                         surcharge of $100 per month
                                                                       5 or more points!                                                      ($1,200 per year) in 2019.

                                            In return, you are asked to TAKE THE WHEEL and actively understand these programs and use the resources available.

                                 2
Take the Wheel Benefits for the Road Ahead - BorgWarner
Your Checklist for a Successful Enrollment
        LEARN                            Read your enrollment materials and learn more about your benefit options
                                         by attending a BorgWarner benefits orientation meeting with an HR Link
                                         representative.

                                         Watch the BorgWarner benefits videos at www.borgwarner.com/benefits.

        PREPARE                          Compare your BorgWarner plan options and any available spouse coverage
                                         to decide which will best fit your needs and budget.

                                         If adding dependents to your coverage, have their birthdates and Social
                                         Security numbers and required eligibility verification documents (such as a
                                         marriage or birth certificate) available so you can submit them to HR Link.

                                         Complete the Medical Premium Incentive requirements to lower your

                                                                                                                                  S TA R T Y O U R E N G I N E S
                                         contribution amount. Remember, if you are married, your spouse must
                                         complete the Health Risk Questionnaire (HRQ) and a preventive annual
                                         physical to waive the spouse surcharge.

        ENROLL                           As a new employee, make 2019 enrollment elections within 30 days of your
                                         date of hire: Go to www.borgwarner.com/benefits. Click on “U.S. Benefits,”
                                         scroll down and click on the Workday logo. Once in Workday, click on “Inbox”
   NEED HELP?                            at the top right or middle of page. Select “Benefits Event” to begin elections.
Refer to the Workday®
  Online Enrollment                      Submit any required dependent eligibility verification documentation to
     Instructions                        HR Link.

                                         Double-check your elected or waived coverages before submitting your
                                         enrollment. (Think of this as important as reviewing your tax return before
                                         you send it to the IRS. Is medical elected? Dental? Are dependents attached
                                         to the plans you want them enrolled in?)

  If You Don’t Enroll
  Online On Time                                             Plan                                Your Default Coverage
                                                             Medical                             Basic Medical Plan
  If you don’t enroll or elect to waive coverage within 30
                                                                                                 (Employee-Only Coverage)
  days of your hire date, BorgWarner is required by law to
                                                             Dental                              No Coverage
  automatically enroll you in default coverage, shown to
                                                             Vision                              No Coverage
  the right. This means your spouse and dependents will
                                                             Flexible Spending Accounts (FSAs)   No Coverage
  NOT have coverage. Your next opportunity to elect
           coverage will be during the next annual           Long-Term Disability                Basic Plan
             enrollment in November 2018, unless you         Life Insurance and AD&D             BorgWarner-Provided Option
               experience a qualifying family status         Critical Illness Insurance          No Coverage
                  change (see page 5).                       Legal Plan                          No Coverage
                                                             Identity Theft Plan                 No Coverage

                                                                                                                              3
Take the Wheel Benefits for the Road Ahead - BorgWarner
Rules of the Road:
                                                                          Benefit Basics

                     Eligibility
                     Your BorgWarner benefits are designed to offer coverage to:
                                                                                                                             Who Qualifies as a
                                     You
BENEFIT BASICS

                                                                                                                             Dependent Child?
                                     Active, full-time* BorgWarner employee regularly
                                     scheduled to work at least 30 hours a week. You
                                     become immediately eligible for benefits coverage                             Biological child
                                     on your first day of hire.                                                    Legally adopted child or a child who
                                                                                                                   has been placed with you for adoption
                                     Your spouse                                                                   Stepchild (Note: If you have a
                                     Your lawful spouse. Legally separated individuals, life                       stepchild who lives with you, but is
                                     partners or divorced spouses are not eligible.                                eligible to participate in another
                                                                                                                   employer’s health plan, the
                                     Your dependent children**                                                     BorgWarner Plan will cover the
                                     A child to age 26, regardless of whether the child is                         stepchild only on a secondary basis.)
                                     living at home, is listed as a dependent on your tax                          Court-appointed child for whom you
                                     return, is a student or is married.***                                        have full (not limited) legal
                                                                                                                   guardianship
                                     Coverage is also available to children, age 26 and older,
                                     if legally considered permanently and totally disabled.                       A child for whom you are required
                                                                                                                   to provide healthcare support under
                                     Coverage runs through the end of the month in which
                                                                                                                   a Qualified Medical Child Support
                                     your dependent child turns age 26.
                                                                                                                   Order (QMCSO)
                                       * If a full-time employee is on a temporary layoff of 30 days or less,
                                     		 healthcare plans may continue without break in coverage.
                                     		 Temporary staff, leased staff, volunteers, agents, contractors or        Adding a Dependent
                                     		 sub-contractors are not eligible. Part-time employees are eligible       To add a dependent, you must provide
                                     		 for the BorgWarner Retirement Savings Plan only.
                                                                                                                 acceptable documentation verifying
                                      ** Dependent eligibility is different for life insurance. Details can be   their eligibility:
                                     		 obtained from your Summary Plan Description found at
                                     		 www.borgwarner.com/benefits or contact MetLife directly.                 Child: Birth certificate, adoption
                                      *** If your child is married, his or her spouse and children are not       paperwork or tax return
                                     		 eligible for coverage under the BorgWarner plans.
                                                                                                                 Spouse: Marriage certificate or tax return

                                     If You and Your Spouse Both Work at BorgWarner
                                     In this situation, your dependent children can be
                                     covered under either your or your spouse’s medical,
                                     dental and vision plans, but not both. In addition, you
                                     and your spouse cannot enroll under two plans (as both
                 4                   a dependent and an employee, for example).
Take the Wheel Benefits for the Road Ahead - BorgWarner
Working Spouse Rule                                                       Family Status Changes
If you have a working spouse who is enrolled for healthcare               Typically, you can change your benefit elections only during the
coverage through their own employer and you want to add                   annual enrollment period, unless you have a qualifying family

                                                                                                                                                 BENEFIT BASICS
them as a dependent to your BorgWarner healthcare coverage,               status change, including:
the BorgWarner plan will pay secondary coverage ONLY. Your                  Marriage or divorce               Eligibility for Medicare
spouse’s primary plan would be the plan offered through their               Birth or adoption                 for you, your spouse or
employer. If your spouse is eligible for, but chooses not to enroll in,     Job change for you                dependent child
his/her own employer’s group plan, he/she WILL NOT be eligible              or your spouse                    Death of a spouse or
for dependent medical benefits provided as secondary coverage                                                 dependent child
under the BorgWarner plan.
                                                                          You have 30 days after the family status change to notify HR
If you enroll in both plans, please realize you may be required
                                                                          Link and provide verification of the family status change event—
to pay two premiums and potentially a $100 monthly spouse
                                                                          such as a marriage certificate or divorce decree. Depending on
surcharge. To ensure timely processing of claims, be sure to
                                                                          the type of status change, you may be eligible to change some
provide Cigna with your spouse’s insurance information.
                                                                          of your benefit elections. The change must be consistent with
                                                                          the qualifying event. If you don’t notify Human Resources within
Coordination of Benefits                                                  30 days after the event, you must wait until the next annual
                                                                          enrollment period to make changes.
When you’re covered under multiple health insurance plans, the
plans will have to coordinate your and your children’s benefits to
                                                                                IMPORTANT: If you do not notify HR Link of spouse
avoid paying for the same service twice. The BorgWarner medical
                                                                          		     and/or dependent coverage changes (such as your
plan is considered the “primary” plan (meaning it will pay benefits
                                                                          spouse becoming employed and eligible for medical
first) for BorgWarner employees, and the spouse’s plan would
                                                                          coverage), it may prevent dependent access to COBRA
be considered “secondary” (meaning it pays any remaining costs
                                                                          healthcare continuation coverage.
not covered by the primary plan, but only if the medical care is a
“covered benefit” under that secondary plan).
If you are covering your children under BOTH your and your                  Value of Your BorgWarner Plan
spouse’s plan, the order in which the plans pay benefits for them           Each year, we measure the value of our plan against other
is determined by the birthday that falls first during the calendar          manufacturers. We are happy to report that you still pay a
year—yours or your spouse’s. The one whose birthday falls first             significantly lower share of total medical costs compared to
will be designated as the primary plan, and the other person’s              our peer company employees.
plan is considered secondary. Medicare is secondary for                                BorgWarner             Other Manufacturers
employees and spouses on BW plans.
                                                                                              19%
                                                                                                                           37%
             NOTE: BorgWarner is considered the secondary                               81%                         63%
             payer when coordinating benefits with no fault
             automobile insurance.                                                       Employee Contributions and Claim Share
                                                                                         Company Costs

                                                                                                                                             5
Take the Wheel Benefits for the Road Ahead - BorgWarner
Dedicated to Your Wellbeing:
                                                     Cigna Personal Health Team

                                                   BorgWarner believes that a health plan should do more than take care of you when you are sick.
                                                   It should also support you to lead a healthier, more active and productive life. Through Cigna,
                                                   BorgWarner offers eligible employees and spouses access to a dedicated health team—connecting
                                                   you to a comprehensive collection of health-related programs, services, resources and tools.

                                                   The Health Team Advantage:
C I G N A P E R S O N A L H E A LT H T E A M

                                                                                          Gives you access                        Reliable, unbiased and
                                                                                          to a dedicated                          compassionate care by
                                                                                          Health Advocate                         professionally trained health
                                                                                          who is your primary                     specialists, including
                                                     Takes the hassle, confusion          point of contact                        nurses, dieticians,
                                                     and guesswork out of getting         for all your health and                 clinicians and
                                                     the right support, the right         wellness needs across your              counselors.
                                                     way and at the right time.           whole spectrum of care.

                                                                                                                                  Coordinated outreach with
                                                                                                                                  an initial welcome, and then
                                                                Your confidentiality      Dedicated to                            you may receive a second
                                                                is ensured.               BorgWarner and                          introductory call if you have
                                                    BorgWarner is not made                its employees with special              been referred to a program
                                                    aware of your participation,          training on BorgWarner                              based on claims
                                                    specific results or specifics         and our culture, giving                                 or Cigna HRQ
                                                    about any interactions.                        Buy Up
                                                                                          them added      Plan as they
                                                                                                       insight                                    results.
                                                                                          assist you.

                                                   How It Works
                                                   If You Initiate Contact

                                                                                      When prompted, say
                                                                                     “Personal Health Team”                       If needed, your Health
                                                   You have a    You call CIGNA at                            You are connected    Advocate will call on
                                                   health need                                                 to your Personal                            Your health need
                                                                 1-800-237-2904                                                    other experts within
                                                                                                               Health Advocate                               is addressed
                                                                                                                                    the Personal Health
                                                                                                                                     Team dedicated to
                                                                                                                                  BorgWarner members

                                               6
Take the Wheel Benefits for the Road Ahead - BorgWarner
Rewarding Healthy
  Behaviors and Wise Choices
   There are three different programs aimed at rewarding BorgWarner employees for taking steps
   toward healthy living and making wise health care choices.

      			                  Earning Lower Medical Premiums: The Shift
   			     1               Into Better Health Premium Incentive Program
   IT’S A FACT: The healthier people are, the less healthcare they tend to use. That’s why BorgWarner believes in rewarding those who take
   steps to lead healthy lifestyles. Through the Shift into Better Health Premium Incentive, you can earn a discounted medical premium rate

                                                                                                                                                  R E WA R D I N G H E A LT H Y B E H AV I O R S
   by achieving certain health goals.

   There are seven goals. For each goal met, you will be awarded one point:

Earning 1 Point Each!
      1                2                    3                  4                 5                  6                        7

    P
Complete the Complete one            Achieve a Body    Achieve total  Achieve LDL of    Achieve a fasting          Complete one or more
online Cigna preventive dental      Mass Index (BMI) cholesterol of less than or equal blood sugar of less           of the following:
 Health Risk  cleaning/exam          of less than 30    less than or   to 129 mg/dl      than 100 mg/dl             Preventive annual
Questionnaire                              OR:            equal to                             OR:                  physical (with your
   (HRQ)                           A weight loss of 5%   239 mg/dl                          Achieve a             Primary Care Physician
                                   as compared to the                                  non-fasting blood               or OB/GYN)
                                  last weight recorded                                 sugar of less than
                                                                                                                  Preventive colon cancer
                                       with Cigna                                          140 mg/dl
                                                                                                                    screening (age 50+)
                                     Alternative to earn points: Enroll and participate in a Cigna telephonic
                                                                                                                  Preventive mammogram
                                     coaching program that is most appropriate for you. There are multiple
                                     options available, including Weight Management, Stress Management,                  (age 40+)
                                    Disease Management or Healthy Eating. Call your Cigna Health Advocate          Onsite clinic visits are
                                       at 1-800-237-2904 for the coaching program that’s right for you.*                not eligible

* If you choose to, you may seek an alternative method through a Cigna Health Advocate at 1-800-237-2904.

   The total number of points earned by September 30 of the given year will determine the portion of the total medical plan premium you
   will pay for all of the following year. (For example, points earned by September 30, 2019, will determine what portion of the premium
   you pay for 2020.)

                   The more points earned, the more
                   you save on your medical plan
                                                                               Better Health = Lower Premiums
                   contribution. Good News! Earn a $0          Points Earned      Basic Plan Premium %          Buy-Up Plan Premium %
                   contribution under the Basic Plan by               0                     20%                           25%
                   having 5 or more points!                          1-2                     15%                          20%
                                                                     3-4                     10%                           15%
                                                                     5+                      0%                            10%

                                                                                                                                              7
Take the Wheel Benefits for the Road Ahead - BorgWarner
How It Works
                                                               STEP 1: Establish Your Health Baseline                                        Key Deadlines for
                                                                    To get started and earn points, you must:                                Employees New to
                                                                       Complete the Cigna HRQ online at www.myCigna.com.
                                                                                                                                             the Medical Plan
                                                           Complete a biometric screening in one of three ways: a) during
                                                           the annual on-site biometric screening event, or b) through an         New employees
                                                           on-site clinic, or c) with your personal physician.                    (hired BEFORE June 1, 2019) OR
                                                        Note: If you receive the biometric screening from Health Stat on-site     Current employees new to the
                                                        clinic or a personal physician, you must have the provider complete the   medical plan in 2019
                                                        Wellness Screening Form found at www.borgwarner.com/benefits and          (effective January 1, 2019 - May 31, 2019):
                                                        send to Cigna by October 31.                                                You must complete the HRQ within
R E WA R D I N G B E H AV I O R S & C H O I C E S

                                                                                                                                    60 days of the date your benefits
                                                                STEP 2: Keep Earning Points                                         became effective to receive the best
                                                                                                                                    premium pricing for 2019.
                                                                    Achieve specific health goals.
                                                                                                                                    If you do not complete the HRQ within
                                                           Earn alternative points with telephonic coaching.
                                                                                                                                    60 days, you will pay the highest
                                                           Complete a preventive annual physical.
                                                                                                                                    premium (20% premium rate for the
                                                                                                                                    Basic Plan or 25% rate for the Buy-Up
                                                                   STEP 3: Track                                                    Plan) for the remainder of 2019.
                                                                    Track your progress and see how many points you have            In addition, you are encouraged to
                                                                    earned by accessing the My Incentives page on your              participate in the 2019 Premium
                                                        myCigna.com site (found under the My Health tab). The total number          Incentive Program before the
                                                        of points earned as of October 31 of the given year will be used to         September 30, 2019 deadline to earn
                                                        determine your medical premiums for the next plan year.                     the best premium pricing for 2020.

                                                                                                                                  New employees
                                                                  STEP 4: Participate in Open Enrollment
                                                                                                                                  (hired AFTER June 1, 2019) OR
                                                                  When you enroll for your medical plan in November, you will     Current employees new to the
                                                                  see the premiums for both plans based on the number of          medical plan in 2019
                                                        points you have earned. This amount is set and cannot be changed.         (effective June 1, 2019 - December 31, 2019):

                                                                                                                                    You must complete the HRQ within
                                                                                                                                    60 days of the date your benefits
                                                                                                                                    became effective to receive the best
                                                                                                                                    premium pricing for 2019 and 2020.
                                                                                                                                    If you do not complete the HRQ within
                                                                                                                  Buy Up Plan       60 days, you will pay the highest
                                                                                                                                    premium (20% premium rate for the
                                                                                                                                    Basic Plan or 25% rate for the Buy-Up
                                                                                                                                    Plan) for the remainder of 2019 and
                                                                                                                                    2020.
                                                                                                                                    In addition, you are encouraged to
                                                                                                                                    participate in the 2020 Premium
                                                                                                                                    Incentive Program before the
                                                                                                                                    September 30, 2019 deadline to earn
                                                                                                                                    the best premium pricing for 2020.

                                                    8
2                 Wellness Incentive Program
Are you and/or your spouse a member of one of the BorgWarner medical plans? If so, you can participate in the BorgWarner Wellness
Incentive Program—offering added motivation to start changing unhealthy habits into healthy ones. Here’s a summary of how leading a
healthy lifestyle can really pay off.

2019 Wellness Incentive Opportunities (earning period: January 1, 2019-December 31, 2019)
 Activity                                                                                                         Cash Reward
                                                                                                                     (per person)
 1. Wellness Incentives Paid in Taxable Cash (Paid quarterly through Payroll)

                                                                                                                                              R E WA R D I N G B E H AV I O R S & C H O I C E S
 Complete a Cigna telephonic health management program (Disease Management, Weight Management,                            $50
 Stress Management or Tobacco Cessation)
 Achieve a Health Goal (telephonic coaching for nutrition planning, hypertension and lower blood sugar)                  $50
 2. Annual Fitness Attendance Cash Reimbursement (Reimbursement annually)
 Regular attendance in a qualified fitness program by employee and/or covered spouse. Note: Both                        $250
                                                                                                                 (for employee only)
 employee and spouse attendance count toward meeting the attendance requirement, but only the
 employee is eligible for a reward. (May vary by location. See HR representative for details.)

        IMPORTANT: BorgWarner is committed to helping you achieve your best health status. Rewards for participating in a
         wellness program are available to all employees. If you think you might be unable to meet the requirement for the reward,
  you may qualify for an opportunity to earn the same reward by different means. Contact HR Link, who will work with you and,
  if you wish, your doctor, to find a reasonable alternative considering your health status.

			    3                  DirectPath Rewards Program
There is a BIG cost difference among providers, and to help keep costs down for you and BorgWarner, it’s best if we all comparison
shop and consider using providers that offer same-quality procedures/services at lower costs. That’s why BorgWarner offers an
incentive program that rewards you for choosing lower-cost, high-quality providers for elective procedures, such as imaging and
outpatient surgeries.

How It Works: Easy as 1-2-3
STEP 1: Call DirectPath and explain the type         Example:
		      of service or procedure you are              Here’s an example of how the DirectPath Program works for knee surgery.
		      looking for.                                 DirectPath has provided three provider options and their costs below:
STEP 2:   They will provide you with names,          OPTION A: $14,800      OPTION B: $12,000      OPTION C: $1,800
		        cost and quality information of up to
                                                     Depending on which option you choose, you could earn an incentive of up to $1,000.
		        three qualifying providers within
                                                                                                                    Your Incentive
		        seven days.                                                                            Cost Savings     (20% of the savings
                                                       Choosing        Cost of Service       (From the highest
                                                                                                                   from the high cost
STEP 3:   If you don’t select the highest cost                                                  cost option)
		        option, you earn a taxable cash                                                                        option, max of $1,000)
		        reward in your paycheck—20% of               Option A             $14,800                  $0                   $0
		        the calculated savings, up to a              Option B             $12,000                $2,800                $560
		        maximum of $1,000 per                        Option C             $1,800                 $13,000              $1,000
		        procedure/service.
                                                     If you choose Option B or C, you can earn a taxable cash incentive processed
                                                     quarterly through Payroll.

                                                                                                                                          9
Physical Wellness

                                                                      Medical Coverage
                                                         Comprehensive medical coverage is an important part of supporting healthy living. BorgWarner offers
                                                         two medical plan options, both of which provide free preventive care to prevent healthcare problems
                                                         before they arise, an employer-paid Health Reimbursement Account (HRA) to help you cover the
                                                         costs when you are ill and comprehensive medical coverage to protect you from any catastrophic
                                                         financial effects of a serious illness or injury. Both the Basic and Buy-Up Plans include prescription
P H Y S IPCHAYLSW

                                                         drug coverage.

                                                            YOUR OPTIONS                     Basic Plan                  Buy-Up Plan                  No Coverage (EAP Only)

                                                            Coverage Level                  Employee Only               Employee Only
                I CEALLL N

                                                            Options                         Employee + 1                Employee + 1
                                                                                            Family                      Family
                         WEESLSL N

                                                         Your Options
                                                         Both medical plan options work generally the same way, cover the same types of services and provide you with solid coverage.
                                 – EMSESD I C A L

                                                         However, they differ in the way you pay your portion of the costs—the balance between the amount you pay upfront (through payroll
                                                         deductions) versus the amount you pay out-of-pocket (through deductibles and coinsurance).

                                                         The Basic Plan                                                       Basic Plan              Your Monthly Contribution
                                                         This plan tends to appeal to someone who doesn’t
                                                                                                                      Points
                                                         want to pay upfront for healthcare they are not sure       Earned by Premium %           Employee Employee+1            Family
                                                         they’ll use.                                              Oct. 31, 2017
                                                         It offers:                                                      0             20%          $		 79.50     $		 161.00    $ 262.00

                                                            Lower payroll deductions, but a higher member               1-2            15%          $		 59.50     $		 120.75    $ 196.50
                                                            deductible gap                                              3-4            10%          $		 40.00     $		 80.50     $ 131.00
                                                                                                                        5+              0%          $		 0.00      $		 0.00      $    0.00
                                                            Higher coinsurance

                                                         The Buy-Up Plan                                                     Buy-Up Plan              Your Monthly Contribution
                                                         This plan tends to appeal to someone who is
                                                                                                                      Points
                                                         willing to pay more upfront so they have the               Earned by Premium %           Employee Employee+1            Family
                                                         security of more coverage at the time of service.         Oct. 31, 2017
                                                         It offers:                                                      0             25%          $		201.25     $		402.50     $ 603.75

                                                            Higher payroll deductions, but a lower member               1-2            20%          $ 161.00      $ 322.00      $ 483.00
                                                            deductible gap (due to higher HRA credits)                  3-4            15%          $		120.75     $		 241.50    $ 362.25
                                                                                                                        5+             10%          $		 80.50     $		 161.00    $ 241.50
                                                            Lower coinsurance

                                                    10
LEARN       myCigna App Upgrade with Cigna One Guide® Service
   MORE
               In addition to the regular services offered through the myCigna.com app (such as finding network doctors, getting
               cost estimates for care, comparing prescription prices, managing and tracking claims and accessing your ID card),
               you can gain a new level of support through the One Guide® service. It allows you to build your custom health team
               by creating a personal list of in-network doctors, dentists and facilities you use. And you can sign up for messages
               that can guide you to savings, incentives, coaching and more.

A Closer Look at How the Medical Plans Work
                                                               Once you reach this “safety net” limit, you stop
     4        Net Out-of-Pocket Maximum                        paying coinsurance, and the plan begins paying
                                                               100% of eligible expenses for the rest of the year.

                                                                                                                                           P H YS IP
                                                               Once you’ve reached your member deductible
     3

                                                                                                                                                   CH
              Medical Plan Insurance                           gap, you and the plan share covered services. Your

                                                                                                                                                     AY
                                                               portion is called “coinsurance.”

                                                                                                                                                      L SW
                                                                                                                                                         I CEALLL NWEESLSL –N EMSESD I C A L
                                                               This is your portion of the annual plan deductible.
     2        Member Deductible Gap                            If you exhaust the HRA, you must pay 100% until
                                                               you reach this amount.

                                                               This special account is funded by BorgWarner and
                                                               serves as the first source of payment for medical
                                                               expenses†. It is designed to offset your member
     1        Health Reimbursement Account                     deductible gap. (For new employees, this amount
                                                               is pro-rated monthly based on your hire date.)
                                                               Unused HRA funds can carry over for use in the
                                                               next plan year.

                               100% Paid Preventive Care
                               Both plans provide in-network preventive services at no cost to members.

               Understanding the Out-of-Pocket Maximum (OOPM)
                For Employee +1 or Family coverage, there are two levels of OOPMs:

     A Lower “Individual” OOPM                                           A “Family” OOPM
     Once a person meets the “Individual OOPM,” the plan                 Once the total OOPM limit is reached, the plan will pay
     will cover that specific individual’s expenses at 100%              100% of all covered expenses for every person covered,
     for the remainder of the year—even if the total OOPM                regardless of how much each individual person has
     has not yet been reached.                                           accumulated in OOPM expenses.

                                                                                                                                      11
Comparing the Plan Features At-a-Glance
                                                                                                                        Basic Plan                                                                           Buy-Up Plan
                                      Feature                                                 In-Network                                Out-of-Network                             In-Network                              Out-of-Network
                                      Plan Deductible                                         $1,500/$2,250/$3,000                      $3,000/$4,500/$6,000                       $1,500/$2,250/$3,000                    $3,000/$4,500/$6,000
                                      Employee Only / Employee + 1 /
                                      Family

                                      BorgWarner-paid HRA Fund*
                                      Employee Only / Employee + 1 /                                                     $500/$750/$1,000                                                                $750/$1,125/$1,500
                                      Family

                                      Member Deductible Gap                                   $1,000/$1,500/$2,000                      $2,500/$3,750/$5,000                       $750/$1,125/$1,500                      $2,250/$3,375/$4,500
                                      (Deductible minus HRA)

                                      Coinsurance                                             Company pays 80%                          Company pays 50%                           Company pays 90%                        Company pays 50%
                                                                                              You pay 20%                               You pay 50%                                You pay 10%                             You pay 50%

                                      HRA Medical                                             $3,000/$4,500/$6,000                      $6,000/$9,000/$12,000                      $3,000/$4,500/$6,000 $6,000/$9,000/$12,000
                                      Out-of-Pocket Maximum
                                      (Amounts reflect HRA offset) **

                                      Prescription Drug                                       $3,850/$5,774/$7,700                      None                                       $3,600/$5,400/$7,200                    None
PHYSICAL WELLNESS – MEDICAL

                                      Out-of-Pocket Maximum***

                                      Lifetime Maximum Benefit                                Unlimited                                 Unlimited                                  Unlimited                               Unlimited

                                      HRA Rollover Cap                                        $3,000/$4,500/$6,000                      $3,000/$4,500/$6,000                       $3,000/$4,500/$6,000 $3,000/$4,500/$6,000

                                      Preventive Care                                         100%; no deductible                       No coverage                                100%; no deductible                     No coverage

                                      Office Visit                                            80% after deductible                      50% after deductible                       90% after deductible                    50% after deductible

                                      Inpatient X-rays, lab tests,                            80% after deductible                      50% after deductible                       90% after deductible                    50% after deductible
                                      home healthcare, hospice

                                      Independent X-rays and labs                             80% after deductible                      No coverage                                90% after deductible                    No coverage

                                      MRI/PET/CAT scans                                       80% after deductible                      No coverage                                90% after deductible                    No coverage

                                      Hospitalization ****                                    80% after deductible                      50% after deductible                       90% after deductible                    50% after deductible
                                      (Inpatient, outpatient, X-rays,
                                      lab tests, skilled nursing)
                                      Outpatient Hospice                                      80% after deductible                      No coverage                                90% after deductible                    No coverage

                                      Chiropractic                                            80% after deductible                      No coverage                                90% after deductible                    No coverage
                                                                                              (max. of 12 visits/year)                                                             (max. of 12 visits/year)
                                      Emergency Room                                          80% after deductible                      80% after deductible                       90% after deductible     90% after deductible
                                                                                              plus $100 surcharge*****                  plus $100 surcharge*****                   plus $100 surcharge***** plus $100 surcharge*****
                                      Ambulance                                               80% after deductible                      80% after deductible                       90% after deductible                    90% after deductible

                                      Urgent Care                                             80% after deductible                      80% after deductible                       90% after deductible                    90% after deductible

                                      Mental Health/Substance Abuse                           80% after deductible                      50% after deductible                       90% after deductible                    50% after deductible

                                      Infertility Services                                    80% after deductible                      No coverage                                90% after deductible                    No coverage

                                      Telehealth Services                                     80% after deductible                      No coverage                                90% after deductible                    No coverage

                                      Dialysis                                                80% after deductible                      No coverage                                90% after deductible                    No coverage
                                        *   BorgWarner-funded HRA is pro-rated monthly based on your hire date for the first year.
                                       **   The out-of-pocket maximum amounts shown reflect “NET” amounts—after the HRA has been applied. If one member of the Family tier exceeds $3,500 or $3,750 in medical costs, the plan pays 100% of all eligible medical
                                   		       expenses for the remainder of the plan year for that member.
                                      ***   An individual maximum applies for pharmacy out-of-pocket costs. If one member of the family exceeds half of the total out-of-pocket cost in an Employee+1 or Family plan, the plan pays 100% of all eligible pharmacy
                                   		       expenses for the remainder of the year.
                                     ****   Utilization review required.
                                    *****   The ER surcharge is in addition to the deductible and coinsurance, but will be waived if the member is admitted to the hospital. It will accumulate toward the out-of-pocket maximum.

                                       PLEASE NOTE: The Post-HRA Out-of-Pocket Maximum (OOPM)                                                                Having Trouble Choosing
                                       shown above reflects the subtraction of the BW HRA contribution
                                       offset, meaning these amounts may differ from how Cigna lists it                                                      a Medical Plan?
                                       on your Explanation of Benefits—Cigna includes the HRA funds                                                          Try the Cigna plan selector tool at www.borgwarner.com/benefits.
                                       in the OOPM amount.                                                                                                   If logging in for the first time, use the following login credentials:
                                                                                                                                                             User ID: bwarner2019 Password: cigna
                              12
100% Preventive Care Coverage
Many potentially serious health problems are silent—such as heart disease, diabetes and breast cancer—but commonly preventable. The
key is making sure you receive your recommended preventive care. The following are just some of the preventive services covered at
100% by the medical plan. For a complete list, please visit www.myCigna.com.

  Feature                                              Coverage
  Well-baby care exams                                 Up to age 3
  Well-child care exams                                Ages 3 to 21

                                                                                                                                               PHYSICAL WELLNESS – MEDICAL
  Routine immunizations                                Per recommended immunization schedule
  Adult annual physicals*                              Once per year
  Colon cancer screening*                              Ages 50 and older or at any age with risk factors
            Your Monthly Contribution                          Flexible sigmoidoscopy every five years
                                                               Colonoscopy every 10 years
  Screenings for Women
        OB/GYN exam (pap test)*                        Once per year
        Breast cancer screening (mammogram)*           Ages 40 and older, once per year
        Cervical cancer screening                      Within three years of sexual activity, or ages 21-64, at least every three years
  Screening for Men
        Prostate cancer screening (PSA)                Once a year for men ages 50 and older or at any age with risk factors
  Additional Preventive Services for Women (Covered at 100% for in-network only)
        Annual well-woman visits                              HIV screening and counseling
        Screening for gestational diabetes                    Screening and counseling for interpersonal and domestic violence
        HPV DNA testing for women 30 years and older          FDA-approved contraception methods and contraceptive counseling
        Sexually transmitted infection counseling             Breast-feeding support, supplies and counseling
                                              Please visit www.myCigna.com for more details.

* Eligible for a point under the Shift Into Better Health Premium Incentive. Annual physicals can be completed by a Primary Care
  Physician or OB/GYN.

Don’t Be Wrongly Billed for In-Network Preventive Care
For your medical plan to cover 100% of the cost of your in-network preventive care service, your physician must be sure to “code” the
service as “preventive.” If submitted as a “diagnostic procedure” or “treatment” visit, the service won’t be considered preventive—
meaning your standard deductibles and coinsurance will apply. Be sure to remind your provider to code the service as “preventive.”

        How the PSA Test Made a Difference to Greg
        “I want to thank BorgWarner for offering the free PSA testing. My family doctor has never ordered a
        PSA test as part of my yearly exam. So I signed up for the PSA testing when it was offered last year as
        part of the biometric screening. I was notified after the test that my PSA was high and that I should see
        my doctor. After further testing, I was told that I did have prostate cancer. I’m presently reviewing my
        options for the best treatment for me. So I can’t say thank you enough for BorgWarner offering the
        PSA testing.”
        					Greg Stephenson, ITCA (with permission)

                                                                                                                                          13
Care Management
                                   Cigna Care Management is designed to make sure you receive the services that are most appropriate for you. By using nurse case managers to
                                   coordinate your care and checking in advance if a service is covered (called precertification), Cigna can help you lower costs, avoid unnecessary
                                   procedures and get support during your recovery after a procedure. To learn more about Cigna Care Management and how it can help you and
                                   your family members, please contact your Health Advocate at 1-800-237-2904.
PHYSICAL WELLNESS – MEDICAL

                                       Cigna Telehealth Connection: When You Can’t Get to Your Doctor
                                       If you have a minor, non-life-
                                       threatening medical condition and
                                       need care, you can connect with a
                                       board-certified doctor on your
                                       computer through a video stream
                                       (e.g., Facetime or Skype) or over the
                                       phone, without leaving your home or
                                       office. Offered through two national
                                       telehealth providers—Amwell &
                                       MDLIVE, you can receive confidential
                                       personal care at a lower cost than
                                       visiting your primary care
                                       physician’s office.

                                                                                          Pre-register Today!
                                                                                                                Amwell                          MDLIVE
                                                                       TAKE
                                                                                            Online:       AmwellforCigna.com            MDLIVEforCigna.com
                                                                      ACTION                Phone:            855-667-9722                   888-726-3171

                              14
Diabetes Prevention Program
BorgWarner is pleased to partner with Omada to offer a breakthrough online program that inspires healthy habits. This comprehensive
16-week program is available to employees and their covered spouses and dependents over the age of 18. It is designed to help
individuals lose weight, which can help reduce the risk factors for type 2 diabetes and other chronic diseases. Participants enrolled in
a BorgWarner medical plan that are at risk for developing diabetes are eligible to enroll at no cost- that’s a $600 savings! Sign up at
omadahealth.com/borgwarner and take a one-minute heath test. If you meet Omada’s risk criteria for the program, you are immediately
notified and can enroll on the spot.

How It Works for Qualified Participants

                                                                                                                                                PHYSICAL WELLNESS – MEDICAL
 Receive a FREE scale          Track food for first       Work with coach to             Participate in               Join in the
in the mail that links to    four months and weigh     focus on challenges most      educational sessions         group discussions
   your phone and to              yourself daily        crucial for your success    to gain skills to replace     for added support
      your coach                                                                      current habits with         and accountability
                                                                                         healthy ones

Diabetes Management Program
If you or a covered family member has been diagnosed with type 1 or type 2 diabetes, you should consider the advantages of a new
program offered in partnership with Livongo. This program combines the latest technology with personal coaching to support you in
managing your diabetes. And best of all, it’s covered under the BorgWarner medical plans at no cost to you!

How Can It Help?
   Coaching, anytime and anywhere:
                                                           TAKE
   Certified Diabetes Educators answer any                ACTION
                                                                        Get Started!
   questions you have, from nutrition to lifestyle
   changes. Contact them directly by phone,                        Registering for the Livongo Diabetes Management Program
   email, text or mobile app.                                      is quick and easy—taking less than 10 minutes.

   FREE advanced glucose meter ($200 value):                       			register.livongo.com/BW-CIGNA
   Automatically uploads blood glucose
                                                                   			 (800) 945-4355 with code: BW-CIGNA
   readings from an inserted test strip to your
   private account. You also can get real-time
   tips, set alerts and notifications and share
   readings quickly and easily.

   Unlimited test strips: Get as many test strips
   and lancets as you need at no cost or copay.
   When you need more strips, simply tap the meter
   and reorder. In a few days, a new box of strips
   appears at your doorstep. It’s that simple!

                                                                                                                                           15
Prescription Drug Coverage
                                            If you enroll in a medical plan, you’re automatically enrolled in the Prescription Drug Program and
                                            your medical ID card issued is for prescriptions, too. The Prescription Drug Program does not have
                                            a deductible that you are required to meet, so your coverage begins with your first prescription.
PHYSICAL WELLNESS – PRESCRIPTION

                                            There are two ways to get your prescriptions filled:

                                            		         1) at a network retail pharmacy      OR                                          2) through mail order

                                            The table below shows how much you pay for each prescription, depending on the type of
                                            prescription drug you buy and how you fill it. Keep in mind, you can refill prescriptions over the
                                            phone or through the mail.

                                                                                           Retail Pharmacy                      Mail Order                       Specialty
                                                                                           30-day Supply*                     90-day Supply                   30-day Supply**
                                             Generic
                                             Chemically equivalent, lower-cost                   $10 copay                         $20 copay                        $10 copay
                                             version of a brand-name drug
                                             Brand Formulary
                                             Lower-cost, yet highly effective                       30%                               30%                                 30%
                                             brand-name prescription drugs                    ($30 minimum –                    ($60 minimum –                  ($30 minimum –
                                             that generally have no generic                    $60 maximum)                     $120 maximum)                    $60 maximum)
                                             equivalent
                                             Brand Non-formulary
                                             Generally has equally effective and                    50%                               50%                                 50%
                                             less costly generic equivalents                  ($50 minimum –                   ($100 minimum –                  ($50 minimum –
                                                                                                        Buy Up Plan
                                             and/or one or more formulary options             $150 maximum)                     $300 maximum)                    $150 maximum)

                                              * You can fill a 90-day supply of maintenance drugs at in-network pharmacies through the Cigna 90 Now Program.
                                            		 See next page for more information.
                                             ** Specialty drugs are injectable drugs typically used to treat arthritis and other conditions (does not include insulin).

                                                                                                                                            IMPORTANT! To apply prescription
                                         USE
                                        WISELY       The Generic Advantage                                                                    discounts/vouchers, you must
                                                     Generic medications contain the same active                                              deactivate your RX auto claim
                                                 ingredients and have the same quality, strength and
                                                                                                                                              forwarding feature with Cigna.
                                                 purity as the brand-name medications they copy. Choosing
                                                 generic medications can save you money, so check with
                                                 your doctor to see if a generic alternative is appropriate
                                                 for your condition.

                                   16
Prescription Out-of-Pocket Maximum
 Although you automatically receive prescription coverage as part of the medical plan, the out-of-pocket maximum for
 prescription coverage is separate from the medical out-of-pocket maximum. This limit serves as a financial safety net for
 you and your family—protecting you from unexpected and expensive prescription drug costs. Your prescription copays
 and coinsurance count toward meeting this limit. They do not, however, count toward meeting your MEDICAL deductible
 or out-of-pocket maximum and vice versa.

                                                      Basic Plan                                 Buy-Up Plan
               Feature                       In-Network       Out-of-Network          In-Network         Out-of-Network
               Employee Only                    $3,850                                     $3,600
               Employee + 1                     $5,774               None                  $5,400               None
               Family                           $7,700                                     $7,200

                                                                                                                                        PHYSICAL WELLNESS – PRESCRIPTION
 Retail Network Pharmacy:                      Cigna 90 Now Program:                            Cigna Home Delivery
                                                                                                    (Mail Order)
        30 -day fills                                 90 -day fills
 Use when you need a prescription             More choice and greater savings
 filled right away.                           opportunities for medicines you                 An alternative to refilling your
 Show your medical ID card and                take on an ongoing basis for a                  prescriptions at a retail pharmacy
 pay your portion of the cost.                chronic condition, such as diabetes,            location.
 Pharmacist will file the claim               asthma or high blood pressure.                  Offers added convenience with
 for you.                                     Lower cost than buying three                    prescriptions delivered right to
 Includes Walgreens, Rite Aid, CVS,           30-day prescriptions.                           your home.
 Walmart, Costco, Sam’s Club and              Access Cigna’s network of 29,000             To access:
 most other national pharmacies.              “long-term fill” pharmacies,                     Online: www.myCigna.com.
                                              including CVS, Target, Walmart,
                                                                                               Mail: Complete the order form
                                              Kroger and more.
                                                                                           (available at www.myCigna.com)
Find a network pharmacy near you:                                                          and mail along with your original
        www.myCigna.com.                                                                   prescription(s) and your payment to:
                                              Find participating 90-day retail             Cigna Tel Drug, PO Box 1019, Horsham,
                                                   pharmacies near you:                    PA 19044.
                                                 Cigna.com/Rx90network.
                                                                                               Phone: 1-800-Tel-Drug
                                                                                               (835-3784).

                                                           Manage Your Prescriptions Online
                                                           www.myCigna.com
                                                           (click “Home Delivery Pharmacy” tab)
                                                              Order status
                                                              Number of refills remaining
                                                              Rx number
                                                              Prescription expiration date
                                                              Prescription order history

                                                                                                                                   17
Specialty Drugs                                                      Step Therapy and
                                              Injectable drugs (excluding insulin) used to treat conditions like
                                              rheumatoid arthritis, cancer, multiple sclerosis or anemia are
                                                                                                                   Prior Authorization
                                              covered under the Prescription Drug Program. Your first 30-day       Often, there are several medication choices available to treat a
                                              supply can be purchased at a retail pharmacy. Subsequent refills     given medical condition. Though the safety and clinical
PHYSICAL WELLNESS – PRESCRIPTION

                                              must be ordered through the specialty pharmacy mail order            effectiveness of these choices can be equivalent, the cost can
                                              service and will be dispensed in 30-day intervals only               vary widely. This is most apparent with generic medications
                                              (90-day supply is not available). In addition, you can take          that are FDA approved to be just as effective as brand-name
                                              advantage of the specialty pharmacy patient advocate service         counterparts. Through Step Therapy, your pharmacist works with
                                              for guidance and support, as well as self-care information about     your doctor to find the most cost-effective and safest “step one”
                                              your condition.                                                      drug first for treatment of your (or dependent member age 18 or
                                                                                                                   above) condition and then progresses to more costly “step two”
                                                                                                                   brand-name drugs, only if medically necessary.

                                                                                                                   How Step Therapy Works
                                                                                                                   There is a sequence of two “steps” in the choice of medication
                                                                                                                   used for the following:

                                                                                                                        High blood pressure

                                                                                                                        High cholesterol (such as Lipitor)

                                                                                                                        Stomach acid conditions

                                                                                                                        ACE (Angiotensin Converting Enzyme [ACE]) Inhibitors /
                                                                                                                   		   ARB (Angiotensin II Receptor Blockers) drugs used for
                                                                                                                   		   controlling high blood pressure, treating heart failure and
                                                                                                                   		   preventing kidney failure in people with diabetes or high
                                                                                                                   		   blood pressure

                                                                                                                        Proton pump inhibitors (such as Nexium or Prevacid)
                                                                                                  If you try to fill a “step two” brand-name drug, the pharmacy’s
                                                                                                  system automatically checks to see if you’ve used this before.
                                                                                         Buy Up Plan
                                                                                                  If you have, the system pays the claim; however, if it is a new
                                        http://static http://static3.bigstockphoto.com/thumbs/6/6/1/large1500/166979795.jpg                3.bigstockphoto.com/
                                                                                                  prescription, the pharmacist will be directed to call your doctor
                                                                             thumbs/6/6/1/large1500/166979795.jpg
                                                                                                  and suggest trying a more cost-effective “step one” drug,
                                                                                                  such as a generic equivalent or brand formulary drug. In the
                                                                                                  meantime, you still can get a temporary supply of the “step two”
                                                                                                  drug while you await your doctor’s approval.

                                                                                                                   Prior Authorization
                                                                                                                   Our Prior Authorization system works with the Specialty
                                                                                                                   Prescriptions and Step Therapy to ensure your drug therapy
                                                                                                                   is appropriate. Prior Authorization is needed for use of
                                                                                                                   non-preferred brand products without prior use of generic
                                                                                                                   and preferred brand products. Also, if you take medications for
                                                                                                                   acne, weight management, hypertension or emphysema, your
                                                                                                                   pharmacist will automatically call your doctor for a diagnosis
                                                                                                                   before filling your prescription.
                                   18
Dental Coverage
The mouth is a window to your
health—providing warning signs                           YOUR OPTIONS                       Dental                      No Coverage
for complications of heart disease,
                                                         Coverage Level                     Employee Only
stroke, diabetes and other serious
                                                         Options                            Employee + 1
conditions. That’s why your dental
benefits cover a wide range of                                                              Family
preventive and treatment services.

                                                                                                                                                      P H Y S I C A L W E L L N E S S – D E N TA L
Coverage is available to you and your covered dependents up to age 26. You can visit any dentist you choose, however, you will spend
less when visiting a dentist or specialist within the Total Cigna DDPO Network. Coverage is available for other services and begins after
you meet your annual deductible. Then you pay a percentage of the cost, depending on the service. The plan pays benefits up to the
annual maximum. After that, you are responsible for all remaining charges for the rest of the year.

  Monthly Coverage Levels/Contribution Levels                 Employee              = $12
                                                              Employee + 1          = $24
                                                              Family 		             = $33
  Deductible                                                  $50 per person / $200 per family                TAKE
                                                                                                             ACTION
  Annual Maximum                                              $1,500 to $3,000 (depending on                         Get More
  (including Preventive, Basic and Major only)                Cigna Wellness Plus reward earnings;
                                                              see details to the right)
                                                                                                             Dental Coverage
  Preventive and Diagnostic                                   100%; no deductible                            through Cigna
  Two routine exams, cleanings and bitewing X-rays per           EARN A WELLNESS POINT                       Wellness Plus®
  year; one set of full-mouth X-rays every three years         for preventive dental cleanings/exams
                                                                                                             When you receive dental
  Basic Restorative                                           80% after deductible
                                                                                                             preventive care, your annual
  Fillings, root canals, denture adjustments and repairs
                                                                                                             dollar maximum will increase
  and surgery
                                                                                                             the following year by $100—
  Major Restorative                                           50% after deductible                           giving you more benefits to use
  Replacement of existing dentures or bridgework                                                             toward your future dental care.
  once every five years                                                                                      By earning this reward year after
  Surgical Extractions of Impacted Teeth                      80% after deductible/no maximum                year, you could potentially
  Orthodontia                                                 50% after deductible                           double your annual benefit—
                                                              $1,250 lifetime maximum*                       raising it over time from the
  TMJ                                                         80% after deductible                           current $1,500 maximum up to
  Non-surgical treatment only                                 $1,000 lifetime maximum*                       a $3,000 maximum!
  Dental Implants**                                           50% after deductible
                                                              $1,500 annual maximum*                        * Lifetime maximum is per person.
                                                                                                           ** Must be authorized as medically
                                                                                                          		necessary.
                    Find a DDPO Network Dentist:
                    Visit the online provider directory at www.myCigna.com and click
      TAKE
     ACTION         “Find a Doctor or Service” at the top of the page.

                                                                                                                                                 19
Vision Coverage
                                  Vision benefits are provided through VSP, a leading vision plan administrator.

                                     YOUR OPTIONS                       Vision                           No Coverage

                                     Coverage Level                    Employee Only
                                     Options                           Employee + 1                                             USE
                                                                                                                               WISELY
PHYSICAL WELLNESS – VISION

                                                                       Family
                                                                                                                               Should you see
                                  Vision benefits cover exams, frames, lenses and contacts as shown in the table below.
                                  Note: Safety glasses are covered under Cigna Medical only—up to $100. If you don’t have
                                                                                                                               an eye doctor or
                                  Cigna Medical, be sure to see Human Resources for reimbursement.                             medical doctor?
                                  Like your other benefits, coverage is for you and your covered dependents up to age 26.      Your vision benefits cover
                                  Your benefits are higher when you visit an in-network provider. If you visit an in-network   services performed by an
                                  provider, you pay a flat copay and your claims are filed for you. If you visit an            ophthalmologist or optometrist
                                  out-of-network provider, your copays are higher and you must file your own claims.
                                                                                                                               to perform regular check-ups
                                                                                                                               and correct your vision if needed.
                                                                                                                               If you have a vision problem—
                                    Monthly Coverage                                     Employee           = $3.75
                                                                                                                               such as cataracts—diagnosis
                                    Levels/Contribution Levels                           Employee + 1       = $8.15
                                                                                                                               and treatment would be covered
                                                                                         Family 		          = $10.10
                                                                                                                               under your medical plan. If you
                                                                                         In-Network       Out-of-Network       need help deciding what type of
                                    Exam                                                  $10 copay        $40 maximum         provider to see, call your Health
                                    Once a year                                                                                Advocate at 1-800-237-2904,
                                    Single Lenses+                                        $25 copay        $40 maximum         or call Cigna Vision Member
                                    Bifocal Lenses+                                       $25 copay        $45 maximum         Services: 1-877-478-7557.
                                    Trifocal Lenses+                                      $25 copay        $50 maximum
                                    Lenticular Lenses+                                    $25 copay         Not covered
                                    Frames++                                            $100 allowance     $30 allowance
                                    Contacts+                                           $100 allowance     $60 allowance

                                  +Covers one pair of eyeglass lenses or contact lenses every 12 months.
                                  ++Covers eyeglass frames every 24 months.

                                                      Find a Cigna Vision Network provider:
                                      TAKE
                                     ACTION           www.myCigna.com
                                                      Log onto the site, select the “Review My Coverage” tab and
                                                      click the Vision Benefits link.

                             20
Social Wellness

Supporting Families Programs
BorgWarner is stepping up its commitment to our employees and their families by offering new benefits designed to help balance work
and family responsibilities, parenting and other family concerns.

Enhanced Infertility Coverage Under the Medical Plans
Infertility coverage under our medical plans includes the following treatments:

        In Vitro Fertilization (IVF)

        Gamete Intrafallopian Transfer (GIFT)

                                                                                                                                           SOCIAL WELLNESS
        Zygote Intrafallopian Transfer (ZIFT)

        Artificial Insemination (AI)

Coverage will be provided up to a $5,000 lifetime maximum
benefit. Note: The treatments listed above and
injectable infertility treatments all will
accumulate toward the lifetime
maximum benefit.

Oral fertility medications are also
included under the prescription                            Paid Parental Leave                         Adoption Assistance
drug coverage, without a lifetime                          Eligible employees will                     BorgWarner will
maximum benefit.                                           receive up to 20 days of          reimburse up to $5,000 per
                                                  Paid Parental Leave, equal to              finalized adoption, with a
                                                  Short-Term Disability/Salary               lifetime maximum of $10,000.
                                                  Continuation (with no maximum              Note: Expenses must be
                                                  amount).                                   consistent with federal income
                                                                                             tax guidelines to qualify.

                                                 		Enhanced Bereavement
                                                 		 Eligible employees will receive up to 14 days of bereavement
                                                           for an immediate family member (spouse or children, including
                                                 step or foster) and up to four days for extended family (parent, in-law,
                                                 sibling, grandparent, grandchild).
                                                 Paid days are at 100% of base salary and may be taken consecutively or
                                                 intermittently within 12 months following the death.

                                                                                                                                      21
New Voluntary Benefit Options
                        We heard you! When we asked employees what other types of benefits they wanted BorgWarner to offer, two came out on top: Identity Theft
                        Protection and Legal Services. We are pleased to add these great benefits to 2019 enrollment! Here’s a quick overview of each:

                        		               Identity Theft Protection—Offered through InfoArmor
                        			 BorgWarner is teaming with InfoArmor—a leader in the ID theft marketplace—to help protect your identity and defend you and
                        			 your family from cyber threats that can cause data breaches and financial losses.

                        			 You can purchase individual or family coverage and gain peace of mind through the
                        			 program’s full identity monitoring, immediate and proactive alerts, and full-service                               LEARN MORE
                        			 identity restoration services. Coverage also includes a $1 million insurance policy to                             InfoArmor
SOCIAL WELLNESS

                        			 help recover the cost associated with reinstating your identity. Monitoring
                                                                                                                                                           1-800-789-2720
                        			 services include:

                        			Compromised credentials                                                 Credit cards                                            myprivacyarmor.com
                        			Sex offenders                                                           Fund transfers
                        			Non-credit accounts                                                     Unauthorized account access

                              		 Legal Services—Offered through MetLaw, a division of MetLife
                        			 You can now purchase access to professional, confidential, legal advice and representation through MetLaw—the largest
                        			 provider of group legal plans in the U.S., with more than 15,000 network attorneys.
                        			 Most services provided have no hour limitation. There is also an unconditional
                        			 money-back guarantee.
                                                                                                                                           LEARN MORE
                                                                                                                                           MetLaw
                        			 Receive legal assistance via telephone advice or in-person office consultation
                        			 for a wide range of matters. Here are just a few examples:                                                                 1-800-821-6400

                        			Will preparation and estate planning                                    Real estate matters                                 info.legalplans.com
                        			Debt collection and foreclosure defense                                 Divorce /child custody                              (input 9901632 as the plan
                                                                                                                                                       code to learn more)
                        			Documentation                                                           Landlord/tenant issues

                                         Active&Fit DirectTM Program
                                         The Active&Fit DirectTM program is offered through American
                                                                                                                                            Get Started!
                                                                                                                            TAKE
                                         Specialty Health Fitness, Inc., one of the nation’s leading fitness               ACTION
                                                                                                                             			            Participants may enroll in the
                                         networks, serving millions of members.                                              			            Active&Fit DirectTM program by
                                                                                                                             accessing the link through the Workday dashboard.
                                         It allows you to choose from 9,000+ fitness centers and YMCAs
                                                                                                                             Once enrolled, you can print an ID card to
                                         nationwide for $25 a month (plus a $25 enrollment fee and
                                                                                                                             present at contracted fitness centers/YMCAs.
                                         applicable taxes). The program offers:

                                              Online directory maps and locator for fitness centers                          The option to switch fitness centers to make sure you
                                         		   (available on any device)                                               		     find the right fit
                                              A free guest pass to try out a fitness center before                           Online fitness tracking from a wide variety of popular
                                         		   enrolling (where available)                                             		     wearable fitness devices, apps and exercise equipment

                       Note: To participate, you must be 18 years of age and have a valid email address. You may pay by credit card and would be charged in advance on a monthly basis using
                       a recurring payment subscription. You must commit to a three-month membership. If you choose to cancel, you must provide a 30-day notice of cancellation. All
                  22   payments are subject to tax, if applicable, based on your location.
Employee Assistance Program (EAP)
Total wellness involves more than your physical health. It also includes your mental and emotional well-being. Available to you and your
household members (regardless of whether or not you are a Cigna member), the Cigna EAP is a free, confidential resource that helps
find answers to various kinds of personal concerns, offers consultation, support, information and planning, as well as referrals to
professional resources in your community.

Available 24/7, your Cigna EAP services include, but are not limited to:

                                                                                                                                                SOCIAL WELLNESS
   Counseling for stress, depression,             Telephonic consultation &                        Senior care: Learn about challenges
marital issues and other issues: Allows       support: Consultations may be related             and solutions associated with caring
for one-to-three face-to-face sessions        to questions about behavioral                     for an aging loved one. Also includes
available to you and/or a household           health-related topics, assistance with            resources and referrals for home health
member with a counselor in your               problem identification, problem-solving           agencies, assisted living facilities,
area. Call 1-800-237-2904 for more            skills, approaches and/or resources to            social and recreational programs and
information.                                  address behavioral concerns.                      long-distance caregiving.

   Legal assistance: Provides free                Financial: Receive free 30-minute                Parenting: Receive guidance on
30-minute telephonic or face-to-face          telephonic consultation with a qualified         child development, sibling rivalry,
consultation with an attorney and             specialist on issues such as debt                separation anxiety and much more.
up to a 25% discount on select fees.          counseling or planning for retirement.

   Childcare: Resources and referrals             Pet care: From grooming to                       Identity theft: A free 60-minute
for childcare providers, before and           boarding to veterinary services, find             consultation with a fraud resolution
after-school programs, camps and              what you need to care for your pet.               specialist is available.
adoption organizations are available,         Resources and referrals are available
as well as information on parenting           for pet sitting, obedience training,
questions and pre-natal care.                 veterinarians and pet stores.

                                                               To learn more about this valuable service, call anytime day or night at
                                                               1-800-237-2904 or log on to myCigna.com and click on the “Review
                                                LEARN          my Coverage” tab, then select “Employee Assistance Program (EAP)”
                                                MORE
                                                               from the drop-down menu.

                                                                                                                                           23
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