The Benefits DepartmentThe Home Depot2455 Paces Ferry Road, C-18Atlanta, GA 30339

2013_SMARTCARE

SCAN TO BE DIRECTLY CONNECTED TO THE ONLINE ENROLLMENT GUIDE AT LIVETHEORANGELIFE.COM

ACTION NEEDEDYou must ta

ke

action for your

2013 benefits!

Your 2013 Benefits

ANNUAL ENROLLMENT GUIDE

Win aniPhone 5!See inside.

We live in a time when rising health care costs and the uncertainty of health care reform present many challenges. While the issues are many, we caneach do a part to help. I’d like to thank you for your efforts to improve your health, as healthy associates help our Company control costs and helpyou live a fuller life.

Last year, 100,000 associates like you and your spouse or domestic partner participated in our health screenings. Not only did you receive a HealthyLiving credit(s), but some of you also learned that you were at risk for conditions you could control, such as diabetes or stroke. I’ve heard from manyof you about the steps you’ve taken to make positive changes in your health, and I continue to wish you much success with your efforts.

I’d like to encourage you to take time to review this brochure to learn more about the 2013 coverage options offered that best fit your health andlifestyle needs.

We consider the core value of taking care of our associates to be extremely important. We want to provide you with the resources to be healthy andproductive, both at work and at home. Living well benefits our Company, our customers and most importantly, YOU.

Thanks for all you do,

Frank Blake

DEAR ASSOCIATE,

¿No hablas o lees inglés?Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al

1-800-555-4954 y diga “Estados Unidos” para hablar con un representante en español.

The benefits information in this Annual Enrollment Guide is provided as a service to associates. In the event of a conflict between the information provided in the Annual Enrollment Guide, Benefits Summary and other plan documents or policies, the plan documents or policies will govern. Although The Home Depot established its benefit plans with the intention that they may be maintained indefinitely, the plans may be amended, terminated or discontinued at any time. The Benefits Summary is available at livetheorangelife.com.

The FutureBuilder and Health and Welfare Plans’ Summary Annual Reports have been posted to livetheorangelife.com under the communications tab. The annual Medicare Part D no-tice has also been posted to livetheorangelife.com under communications and a paper copy can be requested by calling the Benefits Choice Center at 1-800-555-4954.

©2013 The Home Depot

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It’s time to enroll in your 2013 Home Depot benefits! In 2013, The Home Depot is continuing to focus on slowing down the rising cost of health care in two ways: (1) by providing resources to help you improve your health and (2) by finding the most cost-efficient care, such as developing networks that offer you the best possible service and discounts. This guide provides an overview of exciting new changes for 2013. For complete details, visit livetheorangelife.com.

2013 BENEFITS OVERVIEW

Quick Look at What’s New in 2013

Plan What’s New

Medical • SmartCare Network, see page 4• Changes to out-of-network coverageFor more information, go to the electronic enrollment guide on livetheorangelife.com.

PrescriptionDrug

• Tier 1 Pharmacy Network• No deductible for prescription drugsFor more information, see page 8.

Hospital Indemnity

• This new plan pays a cash benefit for inpatient hospitalizations.

For more information, see page 12.

Health Care Spending Account

The maximum annual contribution is reduced from$5,000 to $2,500 to comply with the AffordableCare Act.

Disability Plan administrator change—Aetna

Some plans also have payroll deductions changes in 2013—see page 3.

Make livetheorangelife.com a regular stop to learn more about the many FREE healthy living programs available to you and your family.

ACTION NEEDEDEnroll by

your deadline!See page 2

Our Healthy Living Programs Are Working!

2012 HD Health Challenge Participants...

2012 Hidden Health Risk Screening Results

associates and spouses/domestic partners screened in 2012

Ate enough fruits and vegetables to

fill 161,502 5-gallon Homer Buckets

Lost enough pounds to equal4,150 bags of mulch

Drank as much water as 789,614

gallons of paint

100,000

Logged enough hours of exerciseto staff 4 storesfor 1 year

Nearly reduced

their number of risk factors

30%

2013 Annual Enrollment ACTION ITEMS

• Review the 2013 benefit changes in this guide

• Get details at livetheorangelife.comin the newly remodeled electronic enrollment guide

—NEW! Easier navigation

—NEW! Tools like the Tier 1 SmartCare Doctor, Hospital

and Pharmacy Locator

—NEW! Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options*

• ENROLL or make changes by your deadline or otherwise you will default to your current coverage (except for Healthy LivingCredits and the Spending Accounts)

Go to livetheorangelife.com and chooseEnroll Now!—Elect your Healthy Living Credits—Enroll in the Spending Accounts—Take the online Health Assessment

• Register to win an iPhone 5 at livetheorangelife.com!

• Get ready to use Smart ChoiceTier 1 CVS, Walmart and Krogerpharmacies and SmartCare networkproviders. Visit livetheorangelife.com tolocate a pharmacy and prescriptiontransfer instructions. For more information, see page 8.

• Look for information on the 2013 HiddenHealth Risk Screenings at your home

• Use your Pin Board to begin a healthierand wealthier 2013

• January 1—SmartCare network doctorlocator. See page 6 for more information.

• Your 2012 W-2 will show the value of your medical coverage in Box 12, DD. This dollar amount is the total cost you and The Home Depot pay for your coverage. The reporting of the value ofyour coverage is only informational anddoes not affect your taxable income.

NOW! In November In December

NEW! My Orange Life Pin Board

The electronic enrollment guide has a new feature—the

Orange Life Pin Board—where youcan post reminders of your favoritebenefits and programs to help you improve your health and finances.

In January

2

Start Date Deadline Work State

Nov 6 Nov 16 AL, AR, CT, DC, DE, FL, GA,KY, LA, MA, MD, MS, NC,OK, RI, SC, TN, VA, WV

Nov 13 Nov 27 CO, IA, ID, IN, KS, ME,MI, MN, MO, MT, ND,NE, NH, NJ, NV, NY, OH,PA, SD, UT, VT, WI, WY

Nov 19 Nov 30 AK, AZ, CA, GU, HI, IL, NM, OR, PR, TX,USVI, WA

* A paper copy is available through the Benefits Choice Center at 1-800-555-4954.

2013 BIWEEKLY PAYROLL DEDUCTIONS

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Associate Only Associate + Spouse Associate + Child(ren) Associate + Family

Full-time Hourly and Salaried Associates—Medical & Rx Coverage1

Medical OptionsPPO I2 $99.50 $273.50 $193.50 $321.75PPO II2 $85.75 $245.50 $168.50 $281.50PPO III2 $79.00 $233.25 $157.75 $264.25Prescription Drug Options (if PPO is elected)Rx I $14.75 $32.25 $26.75 $50.00

Rx II $10.75 $24.25 $19.50 $38.25Rx III $6.50 $14.75 $10.50 $23.50High Deductible Health Plan (HDHP) Options + Health Savings Account (HSA)High Deductible Health Plan3 $77.00 $213.25 $138.50 $240.75Hospital Indemnity PlanHospital Indemnity Plan4 $6.90 $13.80 $11.28 $20.04

Full-time Hourly and Salaried Associates—Valuable Healthy Living Credits Tobacco-Free Credit + $10.00 + $20.00 + $10.00 + $20.00Health Assessment & Hidden Health Risk Screening Credit5 + $25.00 + $50.00 + $25.00 + $50.00Full-time Hourly and Salaried Associates—Dental & Vision CoverageMetLife Dental Options$500 Annual Maximum $6.16 $12.31 $12.46 $18.70$1,000 Annual Maximum $12.84 $25.67 $25.98 $38.98$2,000 Annual Maximum $15.91 $31.82 $32.22 $48.32EyeMed Vision OptionsSelect $120 $2.08 $3.64 $3.78 $6.32Select $150 $6.79 $12.14 $12.72 $19.98

1 Associates covering 3 or more children under the full-time hourly or salaried Home Depot medical planwill pay an additional $25 per biweekly pay period.

2 A separate prescription drug election is required if you elect a PPO medical option. 3 The Company will match up to $200 annually for full-time hourly and salaried associates enrolled in

associate-only HDHP coverage (up to $400 for associate + dependent coverage). A separate pre-scription drug election is not required.

4 The Hospital Indemnity Plan is NOT a traditional medical plan but will provide some limited assistance with hospitalization costs.

5 Associate/spouse/domestic partner must be covered under a full-time hourly or salaried Home Depotmedical plan, complete the online Health Assessment and elect to complete the Screening in early2013 to receive the Health Assessment & Hidden Health Risk Screening Credit.

• For weekly rates, take the biweekly rates and divide by 2.• In some instances your paycheck may not be enough to cover the entire amount of your benefits pre-

miums. In those cases, the amount of the premium above your paycheck is still owed and will be col-lected from your future paychecks.

For all other benefit premiums log on to Your Benefits Resources™ at livetheorangelife.com or call the Benefits Choice Center at1-800-555-4954.

The Home Depot is happy to announce that beginning January 1, you have an exciting addition to your full-time medical coverage:the new SmartCare network.

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What’s New in 2013 YOUR MEDICAL COVERAGE

What’s Changing• New SmartCare network of doctors and hospitals. In partnership

with Imagine HealthTM we are offering the SmartCare network. The SmartCare network is focused on quality and efficiency and includes health care providers dedicated to providing the highestquality of patient care at a lower cost. Most hospitals in the networkhave a clinical quality score that places it in the top 25% of facilitiesin the country, with many hospitals in the top 10%. In addition toproviding the best possible care, many SmartCare network hospitalswill offer Home Depot associates extra services, such as privaterooms, healthy meals and free parking, as well as visitor servicesthat include dining options, fold-out beds and meal coupons.*

• Save money with lower deductibles, copayments, coinsuranceand out-of-pocket maximum when you use SmartCare networkproviders. For example, for associate-only coverage your deductiblewill be $300 lower!

* Your healthcare should be provided in consultation with your doctor. You aresolely responsible for choosing a healthcare provider that best fits your needsand neither The Home Depot nor the Medical Plan makes any warranties orrepresentations regarding the quality of such care.

• New names for your medical options:

You will automatically be enrolled in the plan that is most similar toyour 2012 coverage.

What’s Staying the Same• You can continue using Aetna Choice POS II network providers.

• If you use Aetna Choice POS II network providers, your deductibles,copayments, coinsurance and out-of-pocket maximum generally will not change from 2012.

• Aetna will continue to be your medical plan administrator.

You’ll find complete information on the PPO I, PPO II and PPO IIIplans and the new SmartCare network in the electronic enrollmentguide on livetheorangelife.com.

2012 Option Name 2013 Option Name

$550 Deductible PPO I

$750 Deductible PPO II

$1,000 Deductible PPO III

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SmartCare Network Providers Are the Smart ChoiceYou will pay less for health care services in 2013 when you make the smart choice to use SmartCare doctors and hospitals. Here are examples of how SmartCare providers will save you money next year:

Option PPO I PPO II PPO III

Network SmartCareAetna

Choice POS II SmartCareAetna

Choice POS II SmartCareAetna

Choice POS II

You Pay

DeductibleIndividual /Family

$250/$750 $550/$1,650 $450/$1,350 $750/$2,250 $700/$2,100 $1,000/$3,000

Out-of-Pocket Maximum Individual /Family

$1,500/$3,000 $3,000/$6,000 $2,500/$5,000 $4,000/$8,000 $3,500/$7,000 $5,000/$10,000

Primary Care Copay $10 $25 $15 $30 $20 $35

Specialist Copay $15 $35 $25 $45 $30 $50

Inpatient Hospital 15% afterSmartCare deductible

20% after AetnaChoice POS IIdeductible and

$150 copay

15% after SmartCaredeductible

20% after AetnaChoice POS IIdeductible and

$200 copay

15% after SmartCaredeductible

20% after AetnaChoice POS IIdeductible and

$250 copay

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What’s New in 2013 YOUR MEDICAL COVERAGEUse the Tools! Find a SmartCare Network ProviderThe first step to lower medical care costs in 2013 is finding a SmartCarenetwork provider. You’ll quickly be able to find a SmartCare networkprovider in your area by using these tools.

Available Now – Hospitals in the SmartCare Network• Get a list of hospitals and their fact sheets in your electronic enrollment guide. On livetheorangelife.com, click the electronic enrollment guide.

• Download the FREE SmartCare Hospital Locatorapp to your iPhone or Android phone from your appstore. You also can find Tier 1 pharmacy networkproviders on this app!

• Search by Zip Code with the online SmartCare Hospital Locatortool. Go to livetheorangelife.com, click the electronic enrollmentguide and select the link on the Medical page.

Available by January 1, 2013 – Physicians in the SmartCare Network We are in final negotiations with physicians —but will have themidentified and searchable by January 1.

• The SmartCare Physician Locator tool on livetheorangelife.com.Click Health Care>Medical and Prescription Drug>Aetna/CVSCaremark>Provider Search.

• The FREE SmartCare Doctor and Hospital Locator app, whichyou can download from your app store.

Medical Plan Change Q&AsCan I continue using my Aetna Choice POS IInetwork doctor?Yes. Some physicians in the Aetna Choice POS II network will moveinto the SmartCare network. If your physician does not move into the SmartCare network you will generally continue to pay the same deductible, coinsurance and copay that you pay today—if you enroll in the PPO plan that’s similar to the plan you have now.

Can I use a SmartCare specialist and a Aetna Choice POS IIprimary care doctor?Yes. The benefit level you receive will be based on which networkyou use. Both deductibles and out-of pocket maximums applyacross both networks. Here are some examples:

JANUARY 1 Find a

SmartCare Doctor on

livetheorangelife.com

PPO I Example SmartCare (SC)$250 individual deductible

Aetna Choice POS II (AC)$550 individual deductible

Eligible expenses applied to deductible

$250 $50

Amount left before deductible is met

$250 (SC Deductible)-$250 (SC Eligible Expense)

$0 SC deductible is met

$550 (AC Deductible)-$250 (SC Eligible Expense)- $50 (AC Eligible Expense)

$250Until AC deductible is met

PPO IIIExample SmartCare (SC)$700 individual deductible

Aetna Choice POS II (AC)$1,000 individual deductible

Eligible expenses applied to deductible

$600 $200

Amount left before deductible is met

$700 (SC Deductible)-$600 (SC Eligible Expense)

$100Until SC deductible is met

$1,000 (AC Deductible)- $600 (SC Eligible Expense)- $200 (AC Eligible Expense)

$200Until AC deductible is met

Chicago, IL

Presence Health

Provena Mercy Center

Provena St. Joseph Hospital (Elgin)

Provena St. Joseph Medical Center (Joliet)

RHC Our Lady of Resurrection Medical Center

RHC Resurrection Medical Center

RHC St. Mary and Elizabeth Medical Center—St. Elizabeth Campus

RHC St. Mary and Elizabeth Medical Center—St. Mary Campus

RHC St. Joseph Hospital (Chicago)

Saint Francis Hospital

Edward Hospital & Health Services

Edward Hospital

Northwestern Memorial HealthCare

Northwestern Lake Forest Hospital

Northwestern Memorial Hospital

Little Company of Mary Hospital and HealthCare Centers

Little Company of Mary

Ingalls Health System

Ingalls Memorial Hospital

Northwest Community Healthcare

Northwest Community Hospital

Houston, TXThe Methodist Hospital SystemThe Methodist HospitalMethodist Sugar Land HospitalMethodist West Houston HospitalMethodist Willowbrook HospitalSan Jacinto Methodist BaytownTenet Healthcare Corporation

Cypress Fairbanks Medical Center

Houston Northwest Medical Center

Park Plaza Hospital

Hospital Corporation of America (HCA Gulf Coast Division)

Conroe Regional Medical Center

Kingwood Medical Center

Texas Orthopedic Hospital

Woman's Hospital of Texas

Clear Lake Regional Medical Center

Mainland Medical Center

Bayshore Medical Center

East Houston Regional Medical Center

West Houston Medical Center

San Antonio, TX

Baptist Health System

Baptist Medical Center

Baptist North Central

Baptist North East Baptist

Baptist Mission Trail

St Luke's Baptist Hospital

2013 SMARTCARE HOSPITALSBeaumont, TX

Baptist Hospitals of Southeast Texas

Baptist Hospitals of Southeast Texas—Beaumont

Baptist Hospitals of Southeast Texas—Orange CampusDallas/Ft. Worth, TX

Baylor Health Care SystemBaylor All Saints Medical CenterBaylor Heart & Vascular Hospital

Baylor Medical Center at Garland

Baylor Medical Center at Irving

Baylor Medical Center at Waxahachie

Baylor Regional Medical Center at Grapevine

Baylor Regional Medical Center at Plano

Baylor Specialty Hospital

Baylor University Medical Center

Baylor-Our Children’s House at Baylor

Baylor-The Heart Hospital Plano

Baylor Medical Center at Carrollton

Baylor Medical Center at McKinney

Baylor-Frisco Medical Center

Baylor Surgical Hospital at Fort Worth

Baylor Irving-Coppell Surgical Hospital

Baylor Medical Center at Uptown

Baylor North Central Surgical Center

Baylor Medical Center at Trophy Club

Baylor Orthopedic and Spine Hospital at Arlington

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Beginning January 1, you have a great enhancement to your prescription drug coverage when you enroll in a PPO plan: the new Tier 1 pharmacy network. While you can continue using the Caremark network of pharmacies, you will pay less when you use those pharmacies in Tier 1.

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What’s New in 2013 YOUR PRESCRIPTION DRUG COVERAGE

Quick Look at the Prescription Drug Plan Changes for 2013• New Tier 1 pharmacy network: CVS, Walmart, Sam’s Club and

Kroger and their affiliated pharmacies—over 13,000 pharmaciesacross the U.S.

• No deductible for prescription drugs!

• 90-day prescriptions available at all Tier 1 pharmacies.While the convenient mail order service will not change and will continue to be available in 2013, you also can pick up your 90-dayprescriptions at any CVS, Walmart, Sam’s Club or Kroger pharmacy.

• New prescription drug option names: With no deductible, the prescription drug option names are changing to Rx I, Rx II and Rx III. Find complete information on the prescription drug plan in the electronic enrollment guide at livetheorangelife.com.

Use the Tools! Find a Tier 1 Pharmacy Tier 1 Pharmacy LocatorWith over 13,000 Tier 1 pharmacies, you’re sure to find one near you.To make it easy, you can:

• Download the FREE Smart Choice Pharmacy Locator app to your iPhone or Android phone from your app store.

• Search by Zip Code with the online Smart Choice Pharmacy Locator tool. Go to livetheorangelife.com, choose the electronicenrollment guide and select the link on the Prescription Drug page.

Check Drug Cost Tool If you take prescription drugs on a regular basis, it’s also important to use the Check Drug Cost tool to see the cost of your prescription ineach of the Rx I, Rx II and Rx III options. This will help you make a smartchoice and it could save you a lot of money!

To find the Check Drug Cost tool, visit caremark.com/homedepot, clickCheck Availability & Cost, click 2013 and then select the name of theoption you are considering—Rx I, Rx II or Rx III.

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Tier 1 Pharmacies Are the Smart ChoiceYou will save money when you make the smart choice to use Tier 1 CVS, Walmart, Sam’s Club and Kroger pharmacies and affiliated pharmacies, including King Soopers, Ralphs and Fred Meyerpharmacies. Here’s what you’ll pay for prescriptions filled at Tier 1 and Tier 2 pharmacies next year:

In 2012, 63% of Home Depot members filledprescriptions at a Tier 1 pharmacy!

Options Rx I Rx II Rx III

Network

Tier 1 CVS, Walmart, Sam’sClub and Krogerpharmacies

Tier 2 Other Caremark participating

pharmacies

Tier 1 CVS, Walmart, Sam’sClub and Krogerpharmacies

Tier 2 Other Caremark participating

pharmacies

Tier 1 CVS, Walmart, Sam’sClub and Krogerpharmacies

Tier 2 Other Caremark participating

pharmacies

Retail (up to a 30-day supply)

Generic You pay 20% You pay 50% You pay 20% You pay 50% You pay 20% You pay 50%

Preferred Brand You pay 25% You pay 50% You pay 30% You pay 50% You pay 35% You pay 50%

Non-Preferred Brand You pay 45% You pay 75% You pay 50% You pay 75% You pay 55% You pay 75%

90-Day Prescriptions

Generic You pay 20%, up to $7

Not covered You pay 20% Not covered You pay 20% Not covered

Preferred Brand You pay $55 Not covered You pay 25% Not covered You pay 30% Not covered

Non-Preferred Brand You pay $90 Not covered You pay 45% Not covered You pay 50% Not covered

Out-of-Pocket Max $1,000/$2,000 $1,000/$2,000 $1,000/$2,000 $1,000/$2,000 $1,750/$3,000 $1,750/$3,000

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What’s New in 2013 YOUR PRESCRIPTION DRUG COVERAGE Prescription Drug Change Q&AsHow do I transfer my prescriptions to a Tier 1 pharmacy?Take your empty prescription bottle showing refills remaining to the new Tier 1 pharmacy. The Tier 1 pharmacist will call your prior pharmacy and have the prescription transferred to the new store. For complete information, visit livetheorangelife.com.

Will the new Tier 1 pharmacy network affect the prescriptiondrugs I get from the mail order service?No. The current mail order service will not change in 2013 and yourcoverage level for your mail service prescriptions will not change. However, you will have more options for getting 90-day prescriptions—in addition to the mail service and CVS pharmacies, you also can pickup 90-day prescriptions at Walmart, Sam’s Club and Kroger pharmacies.

Which option will I be enrolled in if I do not take action?You will automatically be enrolled in the plan that is most similar toyour 2012 coverage.

What if I don’t have a Tier 1 pharmacy near me?If you are considered “out-of-area,” you’ll see this on the look-up toolat livetheorangelife.com, during your online enrollment session andon your prescription drug ID card. If you’re out of area, you may go to any participating Caremark network pharmacy and receive Tier 1 benefits. However, you must get 90-day prescriptions filledthrough the mail order service.

What other pharmacies are in the Tier 1 pharmacy network?In addition to CVS, Walmart, Sam’s Club and Kroger pharmacies, affiliated pharmacies include:

• Fry’s • Fred Meyer

• King Soopers • Smith’s

• Dillons • Ralphs

• QFC

And more! Go to livetheorangelife.com to search by your Zip Code.

I have more questions about the new Tier 1 pharmacy network.Who do I call?You can call 1-866-490-3376 to speak with a Caremark representa-tive or go to livetheorangelife.com for more details.

2012 Option Name 2013 Option Name

$50 Deductible/Mail Copay Rx I

$50 Deductible/Coinsurance Rx II

$100 Deductible/Coinsurance Rx III

2013 HEALTHY LIVING CREDITS

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Don’t forget to elect your healthy living credits during your enrollment session. If you enroll in a Home Depotmedical plan, you can receive up to $35 in biweekly credits for you and an additional $35 in biweekly credits ifyou enroll your spouse/domestic partner.

2013 Healthy Living Credit Overview

Credit BiweeklyAmount Who is Eligible? Resources

Tobacco-free Credit Associate: $10Spouse: $10

Associate and spouse/domestic partner who havebeen tobacco-free for 6 months or more (or havenever used tobacco) and are covered under a full-time Company medical plan

If you need help quitting, The Home Depot offers the Quit For Life® Program FREE to associates and covered spouses/domestic partners to help you become tobacco-free. Find out more atlivetheorangelife.com.

Health Assessment& Hidden Health RiskScreening Credit

Associate: $25Spouse: $25

Associate and spouse/domestic partner who arecovered under a full-time Company medical plan andcomplete the Health Assessment AND participate inthe Hidden Health Risk Screening in early 2013

The Hidden Health Risk Screening consists of a simple blood draw, waist measurement and bloodpressure measurement. Find out more at livetheorangelife.com.

Note: If it is unreasonably difficult to quit using tobacco due to a medical condition or medically inadvisable for the associate/spouse/domestic partner to achieve the standards forthe credit, The Home Depot will work with the associate/spouse/domestic partner to develop an alternative. This exception requires a letter from the person’s doctor. Associates shouldcontact the Benefits Choice Center at 1-800-555-4954 for more information.

ACTION NEEDED

You must electthese credits

during enrollment

CONGRATULATIONS to the thousands of associates who reduced their risks and improved their health in 2012! We want to hear your story too! Visit livetheorangelife.com and tell us how you are living a healthier Orange Life.

The Home Depot is offering you a new benefit for 2013: the Hospital Indemnity Plan. This new plan pays a cashbenefit if you have an inpatient hospital stay. You can enroll yourself and eligible family members in Hospital Indemnity Plan coverage as part of your 2013 benefits package.

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NEW for 2013! THE HOSPITAL INDEMNITY PLAN

If you or someone you’re close to has ever been an inpatient at a hospital, you know the out-of-pocket expenses for even the shorteststay add up fast. And these expenses often come at a time whenyou’re experiencing a loss of income due to the illness or injury, makingit difficult to pay your mortgage, rent, car payment and other expenses.

The Hospital Indemnity Plan can help by providing cash if you havean inpatient hospital stay.

Cash When You Need It MostThe plan is very simple. If you have an inpatient hospital stay, theHospital Indemnity Plan pays the following benefits:

The benefit is paid in cash and how you use it is up to you—groceries, rent, bills or whatever you need.

Here’s an example of how the plan would pay benefits for two hospital stays within 2013:

Enrolling in the Hospital Indemnity PlanIf you want Hospital Indemnity Plan coverage, you must actively enroll yourself and any eligible dependents you wish to cover. You can enroll in this plan regardless of whether you have medicalcoverage through The Home Depot.

Hospitalization Benefit (once per calendar year)

Per-Day Benefit (up to 100 days per calendar year)

Inpatient Hospitalization

$1,000 $100

2013 Hospitaliza-tions

HospitalizationBenefit (once per calendaryear)

Per-Day Benefit ($100 perday up to100 days per calendar year)

Hospital IndemnityPlan Benefit

Hospitalization#1: 6 days

$1,000 $100 x 6 = $600 $1,600

Hospitalization#2: 12 days

$0 $100 x 12 =$1,200

$1,200

ACTION NEEDED

You must activelyenroll to have

Hospital IndemnityPlan coverage

Insurance plan is underwritten by Aetna Life Insurance Company (referred to as "Aetna") and administered by Aetna or Strategic Resource Company (SRC, an Aetna company).

Important Disclosure: This plan does not offer comprehensive benefits. It provides limited coverage and is not intended to replace other health insurance coverage. This plan has specific limits and other restrictions on the dollar amounts covered under the plan. Once these limits have been reached, the plan will not pay any more towards this coverage. The SRC Benefits Summary explains these limits. Please read it carefully so that you understand the limits to what the plan will pay before you enroll.

“I am a diabetic. When I started

the HD Health Challenge, I

weighed 308 lbs. I am now at

291 lbs, my blood sugar is

low and my A1C is low

enough that I have been able

to reduce my medications.

EVERY ASPECT OF MY LIFE

HAS IMPROVED!!”—John from Store 909

“I found through Home Depotprograms like health challengesthat by exercising, learningto relax and getting enoughsleep, I was able to lose over40 pounds in 2012! I was ableto develop a "PLAN"and create a measurable goal to work toward."—Shawntel from Customer Care

Here are stories from a few of the many associates who have succeeded in improving their health with the help of programs availablethrough The Home Depot. If you have a story that will inspire your fellow associates, tell us about it on livetheorangelife.com.

These Associates are LIVING A HEALTHIER ORANGE LIFE

How John from Store 2771 went from size XXXXL to L!John jumped into action after getting his screening results. With the support of his personal Aetna HealthCoach, John took advantage of the special Weight

Watchers discount and started exercising regularly. He’s trimmedhis waist by 10 inches, lost 118 pounds, gone from size XXXXL to L...and gained a great new outlook on life!

The Screenings Made a Difference for Cathy from Store 540When Cathy’s screening revealed several risks, she immediately consultedher doctor. After a cancer scare andseveral tests, she was diagnosed withCeliac disease. Now Cathy feels great:“All my health issues were resolvedwhen I went on a gluten-free diet! Iwould never have discovered the reason if it hadn't been for the hiddenhealth risk screening!”

“I lost 21 lbs during the

HD Health Challenge, but also

my energy level increased, my

blood pressure is better and it

has helped my breathing. Even

my voice coach says she can

hear my breathing skills are

better, leading to a better

singing quality!”—Lori from Store 1201

How Ronald from Store 4931 Quit TobaccoSmoking had been a way of life for Ronald for more than20 years. At one point he quit smoking, but because he didn’tchange the routines in his daily life, he began to smoke againafter about six months. Then Ronald picked up the phone andcalled Quit for Life®. He and his Quit Coach®

created a Quitting Plan to help him change hisdaily behaviors so that he steered clear of cigarettes. Today, Ronald is tobacco-free andgrateful for the help he received from Quit ForLife® : “They helped me come up with ideasthat I could use to help me not smoke when I wanted a cigarette.”

o m li

– Ronald Rose,

RONALD QUIT. S

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