2016 Annual Enrollment11/4/15-11/30/15

➢ Make changes to your benefits during the month of November

➢ Changes are effective January 1, 2016 ➢ ONLY qualifying Family Status Changes midyear

2016 Plan Changes

➢ New medical provider United Healthcare Full health insurance, co-pays cover office visits

Two Options, Base Plan and Buy Up Plan

➢ Default coverage: Base Plan/current coverage level

➢ Waive benefits with proof of other coverage

➢ Dental & Voluntary Life rate increases

Affordable Care Act (ACA)Healthcare reform

• How does it affect your coverage?

• You can shop Exchange/Marketplace for other coverage

• No subsidies/tax credits- Plan meets “minimum coverage” levels – 60%- Plan is “affordable” employee-only coverage is free less than 9.5% of family (employee) income

• Rates based on age/location-may be less expensive (only have one dependent, a teenager)

• Coverage for 30-hour part-time employees- Verify if you qualify with supervisor- Must complete enrollment form whether electing or waiving coverage

➢Eligible dependents:❖Spouse

❖Disabled children of any age

❖Children under age 26❖married or single

❖student or non-student

❖employee must remove when no longer eligible

2016 Annual Enrollment

Benefits Base Plan Buy-Up Plan

Lifetime Maximum Unlimited Unlimited

Deductible – In/Out of Network $1,500/$2,000 $1,000/$1,000**

PCP/Specialist Office Visit-X-ray, lab

$25 PCP/$50 Specialist $20 PCP/Specialist**

Urgent Care/Walk In Clinics $75 co-pay $75 co-pay(Benefit Summary incorrect)

Wellness Visits - exams/screenings

$0 $0

Coinsurance 80/20% 80/20%

Out of Pocket $4,000/$8,000 $4,000/$8,000

Preventative Services/Annual Physical Immunizations Pap smear/Mammograms Prostate screenings Colonoscopies – routine 10 year

No Cost to YouNo Cost to YouNo Cost to You (1/Year)No Cost to youNo Cost to you

No Cost to YouNo Cost to YouNo Cost to You (1/Year)No Cost to YouNo Cost to You

Advanced Imaging MRI/PET/CT Scans(Limit 2/yr, except staging cancer)

20% coinsurance after deductible

20% coinsuranceafter deductible

Emergency Room ServicesInpatient /Outpatient Services

$250 co-pay(waived if admitted)

$250 co-pay(waived if admitted)

United HealthCare Plans

**Indicates increased level of coverage with Buy-Up Plan

Benefits Base Plan Buy-Up Plan

Maternity Benefits Initial visit $25-$50 co-payDelivery deductible/co-insurance

Initial visit $20 co-pay**Delivery deductible/co-insurance

Organ Transplants 20% after deductible 20% after deductible

Elective Surgery 20% after deductible 20% after deductible

Hospice Home Care 20% after deductible 20% after deductible

Home Healthcare Services 20% after deductiblelimit 60 visits per year

20% after deductiblelimit 60 visits per year

Therapy Services- Physical, Occupational, Speech, Habilitative

$25-$50 co-paylimit 20 visits per yearper therapy type

$20 co-pay**limit 20 visits per yearper therapy type

Mental Health – InpatientMental Health - Outpatient

20% after deductible$50 copay, no limits

20% after deductible$20 copay, no limits**

Disease, Stress, Weight Management

(800) 478-1057 (800) 478-1057

Tobacco Cessation Telephonic Coaching Telephonic Coaching

Hearing Aids 100%, every 3 yearsuse in network provider

100%-every 3 yearsuse in network provider

United HealthCare Plans

**Indicates increased level of coverage with Buy-Up Plan

Rx Type Base Plan Buy-Up Plan

Tier 1 $15 co-pay $10 co-pay**

Tier 2 $45 co-pay $30 co-pay**

Tier 3 $70 co-pay $50 co-pay**

Mail Order - OptumRx Mail Service Pharmacy

2.5 times the monthly copay

United HealthCare Rx Coverage

**Indicates increased level of coverage with Buy-Up Plan

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

United HealthCare Wellness Program

You and your covered spouse can earn rewards for completing these health actions:

Rewards

Health Survey $25

Biometric Screening participation $75

Fitness Reimbursement program $20/mo

Online Action Plans (Missions) $50

Telephone-based Health Coaching program $75

myHealthcare Cost Estimator $25

Maximum per Employee/Covered Spouse $200

Onsite Event

• Screening Date: To be announced• Location: • Registration Contact: Phone: Email: • Finger stick-blood draw “non-fasting”; results delivered within five

(5) minutes

Health Provider Form• Beneficial for individuals who prefer to complete their screening

with their health care provider or at a convenience clinic• Employee and/or covered spouse simply locates the system-

generated form from the biometric microsite

Lab Screening• Beneficial for individuals who work remotely• Employee and/or covered spouse conveniently locates a

LabCorp Patient Service Center, print the system-generated lab order, and go to the lab for screening

Biometric Screening

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Know the numbers that count…Many serious health conditions develop over time, but they may be delayed or prevented if you know your risks and make healthy changes. Understand your health risks with the following.

Your personal information will be kept confidential in accordance with applicable law.

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Health Survey

• You and your covered spouse can take the Health Survey on myuhc.com to earn the incentive

• Takes 15-20 minutes to complete• Earn a reward

After completing survey:• Receive a Rally age and results summary• Can enroll in online action plans (Missions)• Can qualify for telephone-based health coaching programs

Complete the Health Survey on myuhc.com®

(available after 1/1/16)

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Support to help you reach your goals

Telephone-based Health Coaching

PROGRAM COACHING GOALS

WeightManagement

• Achieve 5-10% weight loss• Improve nutrition• Increase physical activity

TobaccoCessation

• Become tobacco free• Understand/control urges• Increase physical activity

Stress Management

• Reduce stress• Understand stress triggers • Improve time management

Exercise • Increase physical activity• Improve physical fitness

Nutrition • Improve eating habits (portions and choices)

• Increase physical activity

Heart Health • Achieve 5+% weight loss• Improve nutrition • Increase physical activity

DiabetesHealth

• Achieve 5+% weight loss• Improve nutrition • Increase physical activity

• Certified wellness coaches are engaged in these lifestyle improvement programs that are based on• Your motivation and commitment to

change• Personalized goal-setting, shared

decision-making and self-directed achievements

• Enhanced self-awareness of root causes that trigger habitual

• After the health survey, you may be invited to participate in a health coaching program

• You can also enroll by calling (800) 478-1057

• Earn a reward• Allow an average of 2 - 5 months to

complete the programMeeting these coaching goals is not required, but you must complete the coaching program in order to earn the reward.

Fitness Reimbursement Program

Visit a participating gym or YMCA® 12 times per month and you can earn a reward.

It's a convenient, fun and profitable way to improved health.

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

• Register/Login

• Choose a participating fitness center or YMCA from a national network

• Present your fitness ID card each time you visit the gym

• Meet the minimum and earn $20 per month

Myhealthcare Cost Estimator

• Get simple comprehensive estimates of your health care costs to help you make more informed decisions

• myHealthcare Cost Estimator helps gather the information to help you make more informed choices about the health care received.

• Results include cost estimates

• Perform one cost estimate, earn a reward!

Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 13

2016 Medical Costs

Coverage level

Employee Biweekly

Cost

Employee Monthly

CostCity

Monthly Cost

Base Plan-Employee Only $0.00 $0.00 $400.64

Buy Up Plan-Employee Only $17.75 $ 35.50 $400.64

Base Plan-Family $178.06 $356.12 $530.89

Buy Up Plan-Family $217.14 $434.28 $530.89

2016 Dental-Basic Plan

In Network Out of Network

Deductible

$50 per person

$150 per family 10% reduction in benefits

Annual Maximum

Rollover up to $250 if

less than $499 used,

with at least one

covered service

$1000/individual

$3000/family 10% reduction in benefits

Diagnostic Services

exams, X-rays,

cleanings 80% 10% reduction in benefits

Basic Services-fillings, root

canals, extractions 80% 10% reduction in benefits

Major Services-crowns,

inlays, bridges,

dentures, periodontal

surgery and implants 50% 10% reduction in benefits

Delta Dental-Expanded$1500 lifetime max

child orthodontiaIn Network Out of Network

Deductible$50 per person$150 per family 10% reduction in benefits

Annual Maximum – Rollover up to $375 if less than $749 used this year. Must have at least one covered service.

$1500/individual$4500/family 10% reduction in benefits

Diagnostic Services:exams, X-rays, cleanings 100% 10% reduction in benefits

Basic Services: fillings, root canals, extractions 80% 10% reduction in benefits

Major Services:Crowns, bridges, dentures, periodontal surgery, dental implants, Child orthodontia 50% 10% reduction in benefits

2016 Delta Dental Costs

Coverage Level

Employee

Biweekly

Cost

Employee

Monthly Cost

City

Monthly Cost

Basic Dental–E/O $0 $0 $23.58

Basic Dental-Family $16.75 $33.50 $29.58

Expanded Dental–E/O $6.57 $13.14 $23.58

Expanded Dental-Family $37.65 $75.30 $29.58

Vision Service Plan

For assistance:

Call 1-800-877-7195 In Network Out of Network

Routine Eye Exam

(every 12 mo.)$10 co-pay

up to $43

reimbursement

Prescription glasses

$50 co-pay

lenses-every

12 months

frames-every 24

months

Lenses

single vision-up to $40

lined bifocal - up to $60

lined trifocal

- up to $73

frames - up to $47

Contact lensescovered up to $105

every 12 monthsup to $105

non-uniformed/uniformed management

2016 VSP Vision Costs

Coverage Level

Employee

Biweekly

Cost

Employee

Monthly

Cost

City

Monthly Cost

Vision - EE Only $0.00 0.00 $5.00

Vision - Family $1.00 $2.00 $5.00

Passport to Wellness

➢ Turn in Passport to Wellness envelopes by 11/30/15

➢ Gift cards will be distributed in December

➢ Points earned for wellness exams, screenings, attending seminars, fitness activities

➢ Documentation required

Flexible Spending Plan

➢ Pre-tax deduction = lower taxable income❖ Medical - $2550/year max❖ Dependent Care - $5000/year maximum

➢ Over the Counter meds (written prescription required)

➢ Debit Card for Rx, glasses, contacts, co-pays, etc.❖ 2016 amount will be added to your card❖ Hold onto card - $5 replacement charge for lost cards!

➢ Keep documentation - may need to submit copies

Re-enroll--2015 election does not rollover to 2016

Basic Term Life - MetLife

➢ Regular, full-time employees

➢ Paid for by City of Little Rock

❖Life Insurance: 1-3 times annual salary

❖AD&D Insurance: 1 times annual salary

Voluntary Term Life – Metlife

➢ Employee coverage levels

❖ 1X – 3X Salary

❖ Cost varies, based on age (10% increase)

➢ Spouse coverage levels (up to 50% of employee coverage level)

❖ $5,000 to $50,000 - $25,000 guaranteed issue

❖ Cost varies, based on age

➢ Dependent children coverage levels (fixed cost)

❖ $5,000 - $.90 per month

❖ $10,000 - $1.80 per month

Voluntary AD&D - MetLife

➢ Employee Supplemental AD&D

❖ 1X – 10X salary

❖ .031¢ per $1,000 in coverage

➢ Family Supplemental AD&D

❖ Spouse Only - 60% of employee coverage

❖ Spouse + Children - 50% spouse + 10% each child

❖ Children Only* – 20% of employee amount

❖ Maximum benefit per child - $50,000

❖ .045¢ per $1,000 in coverage

Voluntary Life/AD&D

Voluntary Life

➢ Free Will Preparation, Group # 143688

❖ Basic will preparation/revisions

❖ Probate/Estate Resolution assistance

❖ Hyatt Legal Plans, 1-800-821-6400

Voluntary AD&D

➢ Free Travel & ID Theft Assistance

❖ Medical and legal assistance

❖ AXA Travel, 1-800-454-3679

Additional Benefits

Voluntary Benefits USAble Cancer/Critical Illness

➢ Covered illnesses--Cancer, Heart Attack, Stroke

❖ Rates based on age at initial enrollment

❖ Cash benefits paid upon initial diagnosis

❖ Spouse coverage - up to 50% of your coverage amount Dependent children coverage - up to $10,000

❖ Guaranteed issue-new employees

❖ Portable, permanent, direct bill at termination

➢ To enroll, return Benefit Application form to HR Benefits or acall USAble Enrollment Services at 1-888-945-0999

AR Diamond/VOYA 457 Plan

❖ Contribute pre-tax (defer taxes until withdrawal)

❖ Contribute after-tax/Roth (pay taxes now, no tax liability on earnings at retirement)

❖ Minimum contribution per pay period - $10

❖ Change or stop contributions at any time

❖ Emergency withdrawals-per IRS criteria, documentation required

❖ Manage your account online with PIN

Call 1.800.905.1833 or 501.301.9900 for assistance.

Maximum contribution: $18,000

Age 50 & above: $24,000

Age 61, 3-year catch up: $36,000

Catastrophic Leave

➢ Request CAT Leave 1 month before banked time runs out

➢ Enroll now thru December 31, 2015—after 1 year full-time status

❖ Need 108 hours (124 hours 56-hr FF) banked to join

❖ Donate 1 shift (8 or 24 hours) each year

➢ Medical documentation required

➢ Medical review/approval granted by CAT Leave Committee

➢ Enrollment rolls to next year, unless you stop participation

Short-term medical leaves

Family Status Changes

➢ Benefit changes – deadline 11/30/15 or within 30 days of Family Status Change

❖ Birth or adoption

❖ Death

❖ Marriage

❖ Divorce

❖ Dependent becomes ineligible

❖ Loss or gain of other group coverage

❖ Employment status change

Documentation required!

Actions Required

➢ Default coverage - Base plan❖ Add or remove dependents

❖ Coverage changes-medical, dental, life, cancer

❖ Enrollment form required: Buy-Up Plan, Flex Spending, 30-hr Part-time

❖ Proof of other insurance required to waive coverage

❖ Check mailbox for new card in late December

❖ 2016 payroll deductions start in December--check paystubs!

➢ No changes no change form please!

Contact Benefits at 501.371.4518 or 501.371.4578or email HRBenefits@littlerock.org