Medicare-eligible Santa Fe Retirees and Surviving Spouses — Benefit Changes and Enrollment for 2013

• To reach an Extend Health licensed benefits advisor for personal assistance at no cost to you, call toll-free 855-663-4219, 8:00 a.m. – 9:00 p.m. Eastern time, Monday-Friday.
• For comparative information about health care coverage options, decision-making tools and other information, visit www.extendhealth.com/bnsf.

What's Changing in Brief

BNSF is changing the way its medical and prescription drug benefits work for Medicare-eligible participants beginning in 2013. In addition, new vision care and dental coverage options will be offered.

The changes apply to retirees and surviving spouses of retirees who:

• Were retired from Santa Fe when it merged with Burlington Northern, or at that time were a salaried employee of Santa Fe who remained salaried until retirement, and
• Are already eligible for Medicare.
  If you will become Medicare-eligible on or after January 1, 2013 and you meet the above criteria, the changes will apply to you at that time. You will be mailed and may ask for enrollment information about four months before you turn age 65.

To continue receiving BNSF's financial support of medical coverage, participants who are currently Medicare-eligible must choose coverage through Extend Health. The enrollment period for 2013 coverage begins Oct. 18, 2012 and action is required: If you do not make an election by Dec. 31, 2012, you will permanently forfeit your BNSF medical benefits.

You will have help every step of the way. Extend Health's licensed benefit advisors will provide objective, personal assistance before and after enrollment.

For Details and Actions to Take

Refer to these information resources for detailed information about your benefits and what you need to do. Items will be added as they become available.

Announcement Letters

• Kaiser Permanente Participants: Important News About Kaiser Permanente Medical Coverage - Oct. 19, 2012 letter
• Current Medicare-Eligible Santa Fe Retirees and Surviving Spouses: Important Changes to Your BNSF Medicare-Eligible Retiree Medical Coverage - Sept. 4, 2012 letter
• Future Medicare-Eligible Santa Fe Retirees and Surviving Spouses: Important Changes to Your Future Retiree Medical Coverage - Sept. 4, 2012 letter
• Future BN Retirees and Surviving Spouses: New Health Care Insurance Service for BN Retirees and Surviving Spouses - Sept. 4, 2012 letter

Participant Guides — For Current Medicare-Eligible Santa Fe Retirees and Surviving Spouses

• Enrollment Guide - Evaluate Your 2013 Medicare Coverage
• Getting Started Guide
• Cover Letter for Getting Started Guide

Frequently Asked Questions — For Current Medicare-Eligible Santa Fe Retirees and Surviving Spouses

• FAQs Updated Nov. 5, 2012

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