2012 Employee Benefits2012 Employee Benefits

Presented by:

2012 Benefit Presentation2012 Benefit Presentation

•Benefit Overview

•How Do I Choose the Right Medical Plan?

•Other BenefitsVision, Dental, Life, AD&D & Disability

•Enrollment Timeframes

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2012 Benefit Overview2012 Benefit Overview• Medical Coverage – Health Plus - ww.healthplus.org

Cofinity PPO Network - www.cofinity.net

• Health Savings Accounts - PNC Bank

• Flexible Spending Accounts - TASC

• Vision – NVA (National Vision Administrators)

• Dental Coverage - Assurant

• Life and Disability Coverage - Mutual of Omaha

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Cofinity is a large Network of Providers that Health Plus offers to PPO Plan participants, making it easier to stay In-Network when obtaining services.

How To Choose the Right Medical Plan?How To Choose the Right Medical Plan?

1. Cost per pay check (Pre-tax)

2. Risk (Potential Out-Of-Pocket Cost), Plan Type & Design a. Provider Network & Access to Care

Health Plus (HMO) Cofinity (PPO)

b. Coverage Type & Plan Detail HMO (in-network ONLY) PPO (in and out-of-network coverage) High Deductible Health Plan (w/HSA) Standard Plan (w/FSA)

3. Health Care Spending Options (Pre-tax) HSA (Health Savings Account) FSA (Flexible Spending Account)

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How Much Does it Cost?How Much Does it Cost?

Enrollment Status

2012Health Plus

Standard HMOCost Per Pay

2012Health Plus

HDHP HMO HSACost Per Pay

Single $64.49 $21.26

2 Person $142.59 $45.33

Family $170.94 $54.22

Enrollment Status

2012Health Plus

Standard PPOCost Per Pay

2012Health Plus

HDHP PPO HSACost Per Pay

Single $73.91 $42.05

2 Person $163.78 $92.10

Family $196.36 $110.35

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HMO

PPO

Standard

HSA

Choosing the Right Plan:Choosing the Right Plan:PPO vs. HMO PPO vs. HMO

PPO CoverageIn and Out-of-network benefits availableNo primary care physician requiredHigher per pay check cost than HMO

HMO CoverageIn-network benefits ONLY Must choose a primary care physicianReferrals Required (12 month option)Less per pay check cost than PPOLarge provider network throughout Michigan

*Preventive care available in all plan options at no cost to the employee (no max; no copay)

*Adult children up to age 26 can be covered regardless of student, marital or earnings status.

Find providers atwww.cofinity.net

Find providers atwww.healthplus.or

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Choosing the Right Plan:Choosing the Right Plan:HDHP w/HSAHDHP w/HSA

2 Options: HMO or PPO

Plans require deductibles be met in full prior to coverage (except for preventive care at 100%)

Coinsurance & Rx co-pay begin AFTER deductible is met

All out-of-pocket expenses accumulate to maximum out-of- pocket

Contracts with two or more MUST meet full Family deductible amount before coverage begins (except for preventive care).

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HDHP (w/HSA) HDHP (w/HSA) PPO or HMOPPO or HMO

In-Network In-NetworkCofinity

Out-of-Network

Deductible $2000/$4000 $2,500/$5,000 $10,000/$20,000

Coinsurance 80% 90% 70%

Coinsurance Maximum

$2,000/$4,000 $2,500/$5,000 $10,000/$20,000

Preventive Health Services

100% 100% 70% of Reasonable and Customary

Charges

Office Visits $15 Copay After Deductible

$5 Copay After Deductible

70% After Deductible

Specialist Office Visits

$15 Copay After Deductible

90%After Deductible

70% After Deductible

Emergency Room

$100 CopayAfter Deductible

90% After Deductible

90% After Deductible

Urgent Care Facility Services

$50 CopayAfter Deductible

90% After Deductible

90% After Deductible

In-Patient Hospital

80% After Deductible

90% After Deductible

90% After Deductible

PPOHMO (HealthPlus)

Plans require copays for Rx, office visits, ER visits, etc., AFTER Deductible that DO count to out-of-pocket maximum.

8*See Details in Access Point

HDHP(w/HSA) HDHP(w/HSA) PPO or HMO:PPO or HMO:

Prescription Drug Coverage Prescription drug coverage is based on the use of a medication formulary

Copays apply to each prescription you fill (AFTER deductible is met):

o $15 for Generic drugso $60 for Brand Name drugs

Contraceptive drugs and implantable contraceptive drugs are included

Prescription Mail Ordero $30 for Generic drugs/$120 for Brand Nameo Filled for up to 90 days

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What is a Health Savings What is a Health Savings Account?Account?

Two components that work together to meet our personal healthcare needs.

Health Deductible Health Plan (HDHP) Preventive care covered 100%

Health Savings Account (HSA) Employee allocates to HSA Employee controls HSA May roll balance over at year-end

HSAHSAHSAHSA

Member Member ResponsibilityResponsibility Member Member ResponsibilityResponsibility

$$

HDHP

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You must deposit $1/month to receive Olga’s contribution of $20, $40, or $60 /month into your HSA, based on enrollment status.

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2012 HSA LimitsSingle: $3,100Family: $6,250

Age 55+: $1,000

Eligible Expenses with Eligible Expenses with HSAHSA

Most out-of-pocket health care expenses:

•Deductibles & Coinsurance •Medical, Dental and Vision •Prescription drug costs•Some over-the-counter medications

(with prescription)•COBRA and Medicare premiums•Qualified long-term care insurance and expenses

*Remember*What is not used,

rolls over to the next year!11

HMO or PPOHMO or PPOStandard PlansStandard Plans

In-Network In-NetworkCofinity

Out-of-Network

Deductible $750/$1,500 $1,500/$3,000 $3,000/$6,000

Coinsurance 80% 80% 60%

Coinsurance Maximum

$3,000/$6,000 $3,000/$6,000 $6,000/$12,000

Preventive Health Services

100% 100% 60% of Reasonable and Customary

Charges

Office Visits $20 Copay $20 Copay 60% After Deductible

Specialist Office Visits

$20 Copay $40 Copay 60% After Deductible

Emergency Room $100 Copay $100 Copay 80% After Deductible

Urgent Care Facility Services

$35 Copay $50 Copay 60% After Deductible

In-Patient Hospital 80% After Deductible

80%After Deductible

60%After Deductible

Prescription CopayMail Order 2X, 90 Day

$10/$40 $15/$50 $15/$50Pay & Receive

Reim.

PPOHMO (HealthPlus)

Plans require copays for Rx, office visits, ER visits, etc., that do NOT count toward maximum out-of-pocket.

12*See Details in Access Point

Flexible Spending Accounts Flexible Spending Accounts

Health Care Reimbursement Account - $4,000Funded with pre-tax payroll deductionsCovers medical, prescription drug, dental and vision.

Dependent Care Reimbursement Account - $5,000

Funded with pre-tax payroll deductions

These are “use it or lose it” accounts, so

please be conservative with

your elections.

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You must deposit $1/month to receive Olga’s contribution of $20, $40, or $60 /month into your FSA, based on enrollment status.

Vision Summary Vision Summary National Vision AdministratorsNational Vision Administrators

In-Network Out-of-Network

ExamOnce Every 12 Months

Covered 100%After $10 Co-pay

(Reimbursed Amounts)Up to $52

LensesOnce Every 12 Months

Standard Glass or PlasticCovered 100%

After $25 Copay

Single Vision Up to $55Bi-focal Up to $75Tri-focal Up to $95

Lenticular Up to $125

FrameOnce Every 24 Months

Covered up to $130Retail Allowance

(Additional discount on the balance may apply at some providers)

Up to $80

Contact LensesOnce Every 12 Months

Elective:Covered Up to $130 Retail

Allowance(Additional discount on the balance

may apply at some providers)

Medically Necessary:Covered at 100%

Elective:Up to $130

Medically Necessary:$210

Visit www.e-nva-com

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To Find an NVA Provider:https://www.e-nva.com/nva/content/tourist/JSFPEntryTouristPage.jsf

Sample Group/Sponsor Number: 50981000101

Dental – Assurant PPODental – Assurant PPOHIGH PLAN In-Network Non-network

Deductible $0 $50/$150

Type I 100%Not Applied to Annual Max

100% after deductibleNot Applied to Annual Max

Type II 90% 80% after deductible

Type III* 60% 50% after deductible

Annual Maximum $1000 $700

Reasonable & Customary Fee Schedule 90th percentile

LOW MAC PLAN In-Network Non-network

Deductible $50/$150 $100/$300

Type I 100% No Deductible

70%

Type II 80% after deductible 50% after deductible

Type III 60% after deductible 20% after deductible

Annual Maximum $700 $500

Reasonable & Customary PPO Fee Schedule 45% less than PPO Fee Schedule15

How Much Does it Cost?How Much Does it Cost?

Enrollment Status

2012Assurant Dental

High PlanCost Per Pay

Single $8.47

2 Person $17.44

Family $29.71

Enrollment Status

2012NVA Vision Plan

Cost Per Pay

Single $2.75

2 Person $4.95

Family $7.15

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Enrollment Status

2012Assurant Dental

Low Mac PlanCost Per Pay

Single $3.10

2 Person $7.43

Family $15.43

Life & Life & Accidental Death & Accidental Death & Dismemberment – Mutual of Dismemberment – Mutual of OmahaOmaha

Core Life & AD&D benefit provided by Olga’s at no cost to you.◦ Benefit is 1X annual salary to $50,000

Voluntary Coverage (Life Only)◦ Up to 5X base annual earnings in increments of

$10,000◦ All increases in coverage require evidence of

insurability

Voluntary Dependent Life Available

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Disability Disability Mutual of OmahaMutual of Omaha

Short-Term Disability 60% of weekly earnings to a maximum of $500Payable on the 8th day for up to12 weeksCompany Paid

Long-Term Disability 60% of monthly earnings to a maximum of $5,000Payable on the 90th dayCompany Paid

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Access PointAccess PointConvenient Online EnrollmentConvenient Online Enrollment

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Enrollment Begins:

On Date of Hire

Enrollment Ends:

Within 2 Weeks

Benefits become active the first of the month following 30 days of full time employment.

An HR Representative will contact you with enrollment details.

Questions?Questions?

Please Contact:Roni Pittiglioroni.pittiglio@olgaskitchen.com(248) 362-9398

Lisa Procterlisa.procter@olgaskitchen.com(248) 362-9377

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Thank You!

Carrier Contact Carrier Contact InformationInformation

DENTALAssurant Employee Benefits(800) 733-7879www.assurantemployeebenefits.comClaims.dental@assurant.comClaims Address:PO BOX 2940 Clinton, IA 52733

VISIONNVA – National Vision Administrators800-672-7723service@e-nva.comwww.e-nva.comClaims Adress:P.O. Box 2187Clifton, NJ 07015

HEALTH SAVINGS ACCOUNTSPNC Bank(866) 622-3946www.pnc.com

Claims Address:PO BOX 1234Pittsburgh, PA 52733

LIFE & DISABILITYMutual of Omaha(800) 775-1000www.mutualofomaha.comClaims Address:Mutual of Omaha Insurance CompanyMutual of Omaha PlazaOmaha, NE 68175

FLEXIBLE SPENDING ACCOUNTSTASC(800) 422-4661www.tasconline.comClaims Address:FSA ReimbursementPO BOX 7308 Madison, WI 53707-7308

MEDICAL & RX Health Plus(800) 332-9161www.healthplus.orgwww.cofinity.net

Claims Address:P.O. Box 1700 Flint, MI 48501-1700

Mail Order DrugsExpress Scripts(877) 322-8471www.express-scripts.com