FlexcoFlexcoOpen Enrollment 2012Open Enrollment 2012

Presented by:Presented by:Lynn Stanley, Lynn Stanley, RHURHUAccount ExecutiveAccount Executive

Horton Benefit SolutionsHorton Benefit Solutions

TODAY’S MEETING AGENDATODAY’S MEETING AGENDA

Changes to how we spend our incomeChanges to how we spend our income

Review your current benefit optionsReview your current benefit options

Reminder – Screenings!Reminder – Screenings!

Review your benefit costsReview your benefit costs

Open enrollment action itemsOpen enrollment action items

Tips and trapsTips and traps

Who to contact for help infoWho to contact for help info

HOW WE SPENT OUR INCOMEHOW WE SPENT OUR INCOME

Source: TIME Magazine 10/10/2011 and data from the Bureau of Economic Analysis

YOUR 2012 PLAN OPTIONSYOUR 2012 PLAN OPTIONS

Once again this year we will offer Once again this year we will offer 22 medical medical options, with Blue Cross Blue Shield available options, with Blue Cross Blue Shield available to all eligible employees and pre-65 retirees. to all eligible employees and pre-65 retirees.

This year we are adding Step Therapy and This year we are adding Step Therapy and Specialty Pharmacy to your pharmacy plan.Specialty Pharmacy to your pharmacy plan.

In addition to Domestic Partner coverage, we In addition to Domestic Partner coverage, we also will be allowing Civil Union partners (will also will be allowing Civil Union partners (will require state certificate of civil union)require state certificate of civil union)

• Civil union participants, like Domestic Partners are not eligible Civil union participants, like Domestic Partners are not eligible for COBRA or pre-tax contributionsfor COBRA or pre-tax contributions

2012 PPO OPTIONS2012 PPO OPTIONS

PPO 1PPO 1Primary Care - $20 co-Primary Care - $20 co-paypay

Specialist - $35 co-paySpecialist - $35 co-pay

Preventive child & adult Preventive child & adult care services at no costcare services at no cost

Prescription Drug Co-Prescription Drug Co-pay pay $3 Generic / $25 $3 Generic / $25 Brand; $45 non-Brand; $45 non-preferred brandpreferred brand

90 day mail order 90 day mail order available at 2x retail available at 2x retail co-paymentco-payment

PPO 2PPO 2Primary Care - $25 co-payPrimary Care - $25 co-pay

Specialist – $40 co-paySpecialist – $40 co-pay

Preventive child & adult Preventive child & adult care services at no costcare services at no cost

Prescription Drug Co-pay Prescription Drug Co-pay $3 Generic; $30 Brand; $3 Generic; $30 Brand; $60 non-preferred $60 non-preferred brandbrand

90 day mail order 90 day mail order available at 2x retail co-available at 2x retail co-paymentpayment

2012 PPO OPTIONS2012 PPO OPTIONS

PPO 1PPO 1In network deductible In network deductible $250 ($750 per family)$250 ($750 per family)

– Non-network Non-network deductible of $500 deductible of $500 ($1,500 per family)($1,500 per family)

– Deductibles are Deductibles are separate – separate – do notdo not accumulate togetheraccumulate together

– Coinsurance – 90% in PPO, Coinsurance – 90% in PPO, 60% outside of network60% outside of network

Maximum out-of-Maximum out-of-pocket of $1,500 in pocket of $1,500 in PPOPPO, $4,000 outside PPO , $4,000 outside PPO (includes deductible)(includes deductible)

PPO 2PPO 2In network deductible In network deductible $750 ($2,250 per family)$750 ($2,250 per family)

– Non-network Non-network deductible of $1,500 deductible of $1,500 ($4,500 per family)($4,500 per family)

– Deductibles are Deductibles are separate – separate – do notdo not accumulate togetheraccumulate together

– Coinsurance – 80% in Coinsurance – 80% in PPO, 50% outside of PPO, 50% outside of networknetwork

Maximum out-of-Maximum out-of-pocket of $2,000 in pocket of $2,000 in PPOPPO, $5,000 outside , $5,000 outside PPO (includes PPO (includes deductible)deductible)

Guardian PPOGuardian PPOUsing network providers prevents balance billingUsing network providers prevents balance billing

In-network providers = Discounts = Higher In-network providers = Discounts = Higher annual maximum benefits for you and your annual maximum benefits for you and your familyfamily

Can cover eligible dependents to age 26Can cover eligible dependents to age 26

– $2,000 in-network / $1,500 out of network combined $2,000 in-network / $1,500 out of network combined per calendar year per personper calendar year per person

Orthodontia – to age 19 – 60% in-network, Orthodontia – to age 19 – 60% in-network,

50% out of network - up to $2,000 lifetime50% out of network - up to $2,000 lifetime

HOW YOUR DENTAL PLAN WORKSHOW YOUR DENTAL PLAN WORKS

VSPVSP ( (Vision Services PlanVision Services Plan)) Bundled with your health plan, but NOT a part of Bundled with your health plan, but NOT a part of Blue Cross Blue ShieldBlue Cross Blue Shield

Not just a “discount plan”; it’s a vision Not just a “discount plan”; it’s a vision insuranceinsurance planplan

National network of optometrists and clinicsNational network of optometrists and clinics

$10 co-pay for eye exam every 12 months$10 co-pay for eye exam every 12 months$25 co-pay for glasses (lenses / frames)$25 co-pay for glasses (lenses / frames)

Lenses every 12 months, frames every 24 monthsLenses every 12 months, frames every 24 months

$130 allowance for frame or contact lenses/exam$130 allowance for frame or contact lenses/exam

Discounts for lens options, sunglasses, Discounts for lens options, sunglasses, designer frames, lasik surgerydesigner frames, lasik surgery

HOW YOUR VISION PLAN WORKSHOW YOUR VISION PLAN WORKS

Pre-Tax Healthcare Expense Savings Pre-Tax Healthcare Expense Savings up to up to $3,900 – 30% to 40% of out of pocket costs$3,900 – 30% to 40% of out of pocket costs

Covers almost all expenses for healthcareCovers almost all expenses for healthcare– Over the counter Over the counter medicinemedicine until 12/31/10 ONLY! until 12/31/10 ONLY!

– then prescription needed. – then prescription needed. – Expenses must be IRS approved – see list on HR Expenses must be IRS approved – see list on HR

ConnectionConnection

““Use it or lose it” – Use it or lose it” – plan accordingly!plan accordingly!– Funds can be spent through March 15, 2013Funds can be spent through March 15, 2013– Receipts can be submitted until March 31, 2013Receipts can be submitted until March 31, 2013

Dependent care savings up to $5,000Dependent care savings up to $5,000

2012 FLEX SPENDING PROGRAM2012 FLEX SPENDING PROGRAM

REMINDER – WELLNESS PARTICIPATION

On-site screening dates are over, but you can still participate via the test on demand option Remember to fast Call 800-840-6100 to schedule Need to schedule in time to complete testing by

11/11/2011 Review your results with your physician Take action to get or stay healthy! Contributions impacted by participation and

meeting your annual goal.

MEDICAL PLAN COSTSMEDICAL PLAN COSTS

2012 Employee 2012 Employee

Pre-Tax Pre-Tax Weekly/Monthly Weekly/Monthly ContributionContribution

PPO 1 PPO 1

No No DiscountDiscount

PPO 1 PPO 1

Wellness Wellness DiscountDiscount

PPO 2 PPO 2

No No DiscountDiscount

PPO 2 PPO 2

Wellness Wellness DiscountDiscount

Employee Employee OnlyOnly

$38.09$38.09

$165.06$165.06

$21.28$21.28

$92.21$92.21

$24.26$24.26

$105.13$105.13

$13.67$13.67

$59.24$59.24

Employee Employee +1+1

$93.51$93.51

$405.21$405.21

$62.79$62.79

$272.09$272.09

$64.25$64.25

$278.42$278.42

$41.94$41.94

$181.74$181.74

Employee Employee +Family+Family

$124.63$124.63

$540.06$540.06

$81.20$81.20

$351.87$351.87

$85.20$85.20

$369.20$369.20

$55.57$55.57

$240.80$240.80

DENTAL PLAN COSTSDENTAL PLAN COSTS

2012 Employee 2012 Employee Pre-Tax Pre-Tax ContributionsContributions

Weekly Weekly ContributionsContributions

Monthly Monthly ContributionsContributions

Employee OnlyEmployee Only $3.00$3.00 $13.00$13.00

Employee +1Employee +1 $9.38$9.38 $40.65$40.65

Employee Employee +Family+Family

$12.50$12.50 $54.17$54.17

No change from 2011 premiums

OPEN ENROLLMENT ACTION ITEMSOPEN ENROLLMENT ACTION ITEMS

Forms to complete:Forms to complete:– Medical, only if…Medical, only if…

Adding or deleting self or dependents for coverageAdding or deleting self or dependents for coverage

– Dental, only if…Dental, only if…Adding or deleting self or dependents for coverageAdding or deleting self or dependents for coverage

– Flexible Spending electionFlexible Spending electionAll employees need to elect or waive coverage!All employees need to elect or waive coverage!FORM INCLUDED IN YOUR OPEN ENROLLMENT PACKAGEFORM INCLUDED IN YOUR OPEN ENROLLMENT PACKAGE

– All election forms must be received no All election forms must be received no later than Wednesday, November 23later than Wednesday, November 23

CONSUMER TIPSCONSUMER TIPS

Ask Questions and Get Answers– You can control most services you need by asking You can control most services you need by asking

questions. This will save you money and get you the very questions. This will save you money and get you the very best outcome for meeting you(r family’s) needsbest outcome for meeting you(r family’s) needs

Observe all preventative care measures and Observe all preventative care measures and participate in the annual health screeningparticipate in the annual health screeningAlways use network providers – Always use network providers – VERIFY!VERIFY!Use outpatient labs and facilities at lower Use outpatient labs and facilities at lower costscostsGet generic substitutions whenever availableGet generic substitutions whenever availableAvoid emergency rooms for any reason other Avoid emergency rooms for any reason other than a real “life-and-death” situationthan a real “life-and-death” situationFind your closest in-network retail clinicFind your closest in-network retail clinicKeep records and receipts of all expensesKeep records and receipts of all expenses

FOR FURTHER ASSISTANCEFOR FURTHER ASSISTANCE

Employee Benefits Website: HR ConnectionEmployee Benefits Website: HR Connection– www.hrconnection.comwww.hrconnection.com– Login: flexcoLogin: flexco– Password: Cobenefits1Password: Cobenefits1

Medical Carrier: Blue Cross Blue ShieldMedical Carrier: Blue Cross Blue Shield– www.bcbsil.comwww.bcbsil.com

PPO Enrollees – 800-828-3116PPO Enrollees – 800-828-3116– Benefit plan information, resources, claimsBenefit plan information, resources, claims

Dental Carrier:Dental Carrier: GuardianGuardian– www.guardianlife.com or 800-627-4200www.guardianlife.com or 800-627-4200

Vision Service PlanVision Service Plan – www.vsp.com – www.vsp.comLife & Disability: Mutual of OmahaLife & Disability: Mutual of Omaha- www.mutualofomaha.com or 800-877-5176 - www.mutualofomaha.com or 800-877-5176 Flexible Spending: Discovery BenefitsFlexible Spending: Discovery Benefits www.discoverybenefits.com or 866-451-3399www.discoverybenefits.com or 866-451-3399The Horton GroupThe Horton Group – – Confidential Services and SupportConfidential Services and Support

– lynn.stanley@thehortongroup.com lynn.stanley@thehortongroup.com – 708-845-3135708-845-3135