Employee Benefits Open Enrollment 2016 - Explain ...

 
Employee Benefits Open Enrollment 2016 - Explain ...
Employee Benefits Open
       Enrollment 2016
Employee Benefits Open Enrollment 2016 - Explain ...
Agenda

   Employee Benefits Update
   2016 Medical Plans
   2016 Ancillary Benefit Plans
   Additional Benefits
   Next Steps

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Employee Benefits Open Enrollment 2016 - Explain ...
Healthcare Cost Management

What is exp doing to help manage rising healthcare
costs?
  Exp has designed a program that provides a
  comprehensive level of benefits that promotes wellness
  and offers choices to our employees
  Exp currently pays a large portion of health care
  coverage premiums for eligible employees and
  dependents
  Exp offers tools and incentives to empower members to
  be responsible healthcare consumers

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Employee Benefits Open Enrollment 2016 - Explain ...
2016 Open Enrollment

There will be no changes in the benefit plans.
  Exp will continue to offer Medical/Rx plans; administered
  by UnitedHealthcare.
     Payroll deductions will increase slightly = 5%
  Exp will continue to offer Dental, Vision, Life and AD&D,
  Short-term and Long-term Disability; administered by
  Guardian.

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Employee Benefits Open Enrollment 2016 - Explain ...
What Can You Do?
Become better healthcare consumers
Be proactive with your health – get your annual exams
and preventive screenings
Go to your doctor or a convenience care clinic when ill;
don’t wait
Complete an online Health Risk Assessment
Use urgent care for non-emergencies instead of the
emergency room
Use generic medications when possible
Follow Rx dosage instructions
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2016 Benefit Overview
                  Carrier               Coverage
UnitedHealthcare            Medical, Prescription Drugs

Guardian                    Dental, Vision, Life and AD&D, Short-
                            term and Long-term Disability
Trustmark                   Accident and Critical Illness Plans
Allstate                    Cancer Plans

myCafeteriaPlan             Flexible Spending Accounts and
                            Health Reimbursement Accounts
Health Advocate             Assists employees and families
                            navigate the healthcare system

Guardian                    Employee Assistance Program

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UnitedHealthcare Medical Options
Medical Plan
 All of the plans will remain the same for 2016.
 UnitedHealthcare will continue to be the national insurance carrier for
 exp, with the exception of employees in Alaska.
 You will have 3 options to choose from:
       The Choice Plan offers in-network benefits with co-pays at the
       physician’s office and pharmacy.
       The Choice Plus Plan offers in and out-of-network benefits with co-
       pays at the physician’s office and pharmacy.
       The HRA Plan is a high deductible in-network only health plan that
       offers a Health Reimbursement Account.

 Preventive is covered at 100% with no co-pays on all plans.

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CHOICE PLAN
TYPE OF SERVICE                         YOU PAY:
Primary Care/Specialist office visit:   $15/$40
Virtual Visit **NEW**                   $25
In-patient hospital care:               20% after deductible
Out-patient hospital care:              20% after deductible
Emergency room:                         $250 (any ER)
Urgent Care:                            $75
Lab and x-ray:                          Covered in full
Scans and Therapies                     20% after deductible
Deductible (Individual/Family)          $750/$1,500 per year
Out-of-Pocket (includes deductible)     $3,750/$7,500 per year
Lifetime Maximum                        Unlimited
Prescription Drugs (Retail)             $10 Tier 1/$35 Tier 2/$70 Tier 3
Mail Order (90 day supply)              2.5x Retail

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CHOICE PLUS PLAN
TYPE OF SERVICE                          YOU PAY:
 Primary Care/Specialist office visit:   $15/$40
 Virtual Visit **NEW**                   $15
 In-patient hospital care                20% after deductible
 Out-patient hospital care               20% after deductible
 Emergency room                          $250 (any ER)
 Urgent Care                             $75
 Lab and x-ray                           100% covered
 Scans and Therapies                     20% after deductible
 Deductible (Individual/Family)          $500/$1,000 in-network; $2,000/$4,000 out-of-network
 Out-of-Pocket (includes deductible)     $3,500/$7,000 in-network; $5,000/$10,000 out-of-network
 Lifetime Maximum                        Unlimited
 Prescription Drug(Retail)               $10 Tier 1/$35 Tier 2/$70 Tier 3
 Mail Order (90 day supply)              2.5x Retail
 Out of network coinsurance              40% after deductible

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CHOICE HRA PLAN
TYPE OF SERVICE                                YOU PAY:
 Primary Care/Specialist office visit: $25/$50
 Virtual Visit **NEW**                           $25
 In-patient hospital care:             20% after deductible
 Out-patient hospital care:            20% after deductible
 Emergency room:                                 $250(any ER)
 Urgent Care:                                    $75
 Lab and x-ray:                        Covered in full
 Scans and Therapies:                            20% after deductible
 Deductible (Individual/Family)                  $2,000/$4,000
 Out-of-Pocket Maximum (includes deductible) $4,500/$9,000
 Lifetime Maximum                                Unlimited
 Prescription Drugs (Retail)                     $10 Tier 1/$35 Tier/ $70 Tier 3
 Mail Order (90 day supply)                      2.5x Retail

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Health Reimbursement Account
Exp is offering employees a Health Reimbursement Account (HRA) on the high deductible
plan option only to help offset the costs associated with out of pocket expenses.

The company will be adding an annual contribution of $500 automatically to your HRA on
January 1. You can use this money for co-pays, deductibles, or other out of pocket costs
associated with qualified medical, dental, or vision expenses. You will receive a debit card to
access the money.

You are able to earn an additional $500 one time contribution into your HRA fund. Each
employee that completes an on-line Health Risk Assessment will be eligible for an additional
$500 contribution to the HRA.

 Spouses and dependents can use Health Reimbursement Account (HRA) funds only if they
 are enrolled in a health plan that meets the minimum standards of the ACA (either with exp
 or elsewhere). Spouses and dependents with no proper health insurance coverage will not
 qualify for HRA use.

 HRA funds do not roll-over into next plan year. Unused HRA funds will be forfeited at the
 end of the plan year.

 If you elect the Healthcare FSA also, your HRA funds will be used first.

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Health Risk Assessment
          A Health Risk Assessment provides you
          with an individual wellness score that
          measures your overall health, will take
          about 20 minutes to complete, and
          includes 50 standard lifestyle questions.

          The Assessment is confidential, and you
          only need to complete the Assessment,
          not achieve a certain score.

          To start the Health Risk Assessment, you
          will need to set up an account at
          www.myuhc.com.
        w.myuhc.com
          No need to submit proof upon completion,
          balances to the HRA will automatically be
          credited the additional $500 on a monthly
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          basis.
Scans and Therapies
Scans and Therapies are major diagnostic services such
as MRI, CT Scan, PET Scan, MRA and Nuclear Medicine.

They are typically performed at a hospital or out-patient
center, and sometimes in a doctor’s office.

They can cost several hundred dollars or more (if in-
network, more if out-of-network.)

Use the Treatment Cost Estimator on myUHC.com to
determine what your cost will be.

Regardless of where the test is done, the benefits are
subject to Deductible, then Coinsurance, even if
performed in a doctor’s office (“Covered” does not mean
“Paid at 100%.”)
                  ##
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Saving money on Prescriptions

Mail Order Prescription Benefits:

         You can order a 3 month supply of medicine to be shipped to you for
         only the cost of 2.5 co-pays.
         This saves you time and money for medicines you take on a routine
         basis.

 Generic Medications:
        Several pharmacies now offer special prescription programs,
        including $4 generic drugs and free antibiotics.
        Generic drugs contain the same active ingredients and are
        available in the same strength and dosage form as their brand-
        name counterparts but could cost up to 50% less.

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myUHC.com

 Look up network doctors /
 hospitals
 Estimate costs
 Track claims status
 Health improvement
 program
 Personal Health Record
 Health product discounts
 Review plan details

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Health Advocate
                      Information & Service Support
                      •Assist with eldercare issues              Clinical Services
                      •Obtain health information to help make
                                                                 •Find qualified healthcare providers
                       informed decisions
                                                                 •Schedule appointments
                      •Assist with finding qualified wellness
                                                                 •Locate and research the newest
                       programs                                   treatments
                      •Help arrange transportation               •Assist with complex medical condition
                                                                 •Assist with understanding test results

Health Coaching                                                                       Administrative
•Obtain unbiased health                                                               Services
 information                                                                          •Navigate within an insurance
•Help prepare patients for                                                             company
 healthcare appointments                           You will be                        •Assist with correcting billing
                                                                                       mistakes
•Help members become active                        assigned a
 participants in their healthcare                   Personal
                                                     Health
                                                   Advocate
                                                     (PHA)

                                      24/7 Toll-free telephone support
                                      Your privacy is protected
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Dental Benefits
Guardian is the provider for dental insurance.
There are 2 plans to choose from: a low and a high PPO option.
Please visit www.guardiananytime.com to look up dentists in the
network.

 Dental Insurance - Guardian Life Insurance Company
                                                    Low Plan                                                    High Plan
 Benefit Details                                     You Pay:                                                     You Pay:
 Preventive & Diagnostic Services      Deductible waived for preventative                            Deductible waived for preventative
                           In-Network    Covered in Full, no deductible                                Covered in Full, no deductible
                       Out-of-Network Covered in Full @ R&C*; no deductible                        Covered in Full @ R&C*; no deductible
 Basic Services
                           In-Network         20% after deductible                                            20% after deductible
                       Out-of-Network        20% after deductible**                                          20% after deductible**
 Major Services
                           In-Network         50% after deductible                                            50% after deductible
                       Out-of-Network        50% after deductible**                                          50% after deductible**
 Orthodontic Services
          In-Network & Out-of-Network     50% to $1,500 lifetime max,                                   50% to $1,500 lifetime max,
                                                  No Deductible                                               No Deductible
                                       Dependent Child Only up to age 19                             Dependent Child Only up to age 19
 Calendar Year Deductible                         Individual / Family                                         Individual / Family
                           In-Network               $50/$150                                                    $50/$150
                       Out-of-Network               $50/$150                                                    $50/$150
 Annual Maximum Benefit
          In-Network & Out-of-Network           $1,000 Combined                                                 $2,000 Combined

    *R&C = Reasonable and Customary: the amount that your health plan determines is the normal range of payment for a specific service within a given
    geographic area

    ** Important: When using an out-of-network provider, you may be balanced billed for amounts over the reasonable and customary charges
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Vision Benefits
  Guardian is the provider for vision insurance, using the Davis Vision network.
  Please visit www.davisvision.com to look up a provider in the network.
 Vision Insurance - Guardian Life Insurance Company
                                                          Choice Plan
 Benefit Details
                                                           You Pay:
 Benefit Frequency
                              Exams                   Once every 12 months
                             Lenses                   Once every 12 months
                             Frames                   Once every 24 months
 Exam Co-pays
                           In-Network                     $10 Co-pay
                       Out-of-Network                 Up to $50 Allowance
 Lenses Co-pay
   Single Vision:          In-Network                     $25 Co-pay
                       Out-of-Network                 Up to $48 Allowance
          Bifocal:         In-Network                     $25 Co-pay
                       Out-of-Network                 Up to $67 Allowance
          Trifocal:        In-Network                     $25 Co-pay
                       Out-of-Network                 Up to $86 Allowance
       Lenticular:         In-Network                     $25 Co-pay
                       Out-of-Network                 Up to $86 Allowance
 Frames
                           In-Network                   $130 Allowance
                       Out-of-Network                 Up to $48 Allowance
 Contact Lenses
       Conventional:     In-Network                   Up to $130 Allowance
                      Out-of-Network                  Up to $105 Allowance
 Medically Necessary:     In-Network                       $25 Co-pay
                      Out-of-Network                  Up to $210 Allowance

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Employee Life and AD&D Insurance

Exp provides all full-time employees with Basic Term Life Insurance
with Accidental Death & Dismemberment (AD&D.)
The benefit amount is two times your annual earnings to a maximum
of $200,000.
Supplemental Employee Coverage
   AD&D Coverage included at no additional cost.
   Elect coverage in units of $10,000.
   Maximum is the lesser of $500,000 or 5 times basic annual earnings.
   During your initial enrollment period: Guarantee Issue amount is the lesser
   of 3 times basic annual earnings or $150,000.
   If you are already enrolled in EE Supplemental Life, the amount of your life
   insurance will automatically increase 5% each year, up to 5 years, with
   premium remaining at the lower elected amount. You do not need to do
   anything in order for the automatic increase to take effect.
   If you would like increase the amount of Spouse coverage you currently
   have OR enroll for the first time, you will need to fill out an Evidence Of
   Insurability form (available during the enrollment process).
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Dependent Life Insurance
Supplemental Spouse Coverage
   If you elect Employee Supplemental Life and AD&D Insurance for yourself,
  you may choose to purchase Spouse Supplemental Life and AD&D
  Insurance in increments of $5,000, $5,000 minimum to a maximum of
  $100,000.
  You may only elect up to 50% of the employee’s election for spouse life
  insurance. For example, if you elect 100k on yourself, you can only elect up
  to 50k on your spouses.
  Spouses’ rate are based on Employee's age bracket.
  If you would like increase the amount of Spouse coverage you currently
  have OR enroll for the first time, you will need to fill out an Evidence Of
  Insurability form (available during the enrollment process).

Children Coverage
   If you elect Supplemental Life and AD&D Insurance for yourself, you may
  choose to purchase Child(ren) Supplemental Life and AD&D Insurance in
  increments of $2,000, $2,000 minimum to a maximum of $10,000 for each
  child.
   Eligible Child(ren) are from age 15 days to 26 years.                         20
Disability Insurance
 In the event you are out of work due to a short term medical
 condition, exp provides all eligible employees a Short-Term
 Disability program through Guardian.

 This benefit will pay up to 60% of your weekly earnings to up
 to a maximum amount for up to 13 weeks.

 The company also provides Long-Term Disability at no cost
 to the employees.

 This benefit covers up to 60% of your basic monthly earnings
 up to a maximum should you be unable to work due to non-
 work related illness or injury.

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Voluntary Benefits
 Voluntary benefits provide you with supplemental coverage
 that strengthens your overall benefits package.

 The Trustmark Critical Illness Insurance is a benefit that will
 pay you a lump sum of money if you are diagnosed with a
 critical illness, heart attack or stroke.

 The Trustmark Accident insurance is a plan that helps pay
 for the unexpected expenses that result from an accident.

 The Allstate Cancer Insurance offers a first occurrence
 benefits that pay cash to you based upon the severity of the
 cancer diagnosis

 See the state specific brochure from Allstate and Trustmark
 for additional details and rates
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Flexible Spending Account
The FSA allows you to put money aside through payroll
deductions before taxes are withheld to pay the cost of health
care expenses not covered by your medical plan and for the cost
of qualified dependent care.
By doing so, you reduce your taxable income, which increases
your take-home pay.
   Healthcare FSA – allows you pay for certain IRS-approved medical
   care expenses not covered under your insurance plan with pre-tax
   dollars.
   Please note that the IRS limit is $2,550 annually.
   Dependent Care FSA – allows you use pre-tax dollars towards
   qualified dependent care expenses.
   Adoption Assistance FSA – provides tax break for adoption
   expenses.
   Qualified Transportation Plan – allows you to set aside pre-tax
   funds to be used for transportation and commuter parking
   expenses for travel to and from work.
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Important Information for
Flexible Spending Accounts
You must make an election to enroll in the 2016 FSA programs, as this benefit will not roll
over into the new plan year.

If you have any HealthCare FSA funds from 2015 left over, you may roll up to $500 into the
new plan year. This will automatically occur for you, no action is needed on your end.

For 2015 Healthcare FSA participants: You will have until March 31, 2016 to submit for
reimbursement for FSA Health expenses incurred during the plan year from January 1,
2015 to December 31, 2015. There is no longer a grace period for incurring claims in 2016,
because the plan will allow up to $500 of unused funds to roll over into the 2016 plan year.

Please remember that these accounts have a “use it or lose it” rule, so make sure you use
the money in your account by the deadlines.
                  2016 Maximum Contributions
                  Medical FSA               $2,550 annually
                  Dependent Care FSA        $5,000 if you are married and filing a joint tax
                                            return, or $2,500 if you are married and file
                                            separate returns

                  Adoption Assistance FSA   $13,460 annually

                  Transit Account           $130 monthly

                  Parking Account           $255 monthly
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MyCafeteriaPlan.com
 My Cafeteria Plan manages the FSA/ HRA accounts

 You will receive a “Benny Card” in the mail soon after
 January 1st. If you are already enrolled, you will keep the
 same debit card that you have and money will be added to
 this card for the new plan year.

 You may go online to check your balances and account
 activity at http://myaccount.mycafeteriaplan.com

 If you have questions or need assistance, please see Human
 Resource Manager, Mary Beth Pfaller, at +1.312.616.7445 or
 by email at marybeth.pfaller@exp.com

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Enrollment Process
You will be enrolling via a self-service online enrollment system, EMB
Enroll. The online system can be accessed from any computer with
internet access.

If you are making changes to your current benefits, you will need to
log onto the EMB Enroll site and complete the process. If you do not
enroll, your current benefits will roll over into the same plan you are
already enrolled in (except FSA).

Any amounts up to $500 in your 2015 Healthcare FSA will roll over
into 2016. If you want to enroll into the FSA, you will need to make
an election. Your 2015 Election amounts will not rollover. If you don't
make an election you will have a zero election amount.

Please see your enrollment guide for the instructions on how to log in
and use the online enrollment system to complete your enrollment.

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Next Steps
 Please review your benefit guide and carrier summaries.

 Please make sure to have the necessary dependent information
 (birth date, social security numbers) if you are enrolling dependents
 to any of the plans for the first time.

 Select your benefits carefully. The only changes that can be made
 mid-year are for life events such as marriage, divorce, birth or
 adoption, death, or a reduction in hours from full-time to part-time.

 Notify Human Resources within 30 days of having a life event in
 order to make any changes.

 Should you have any questions, do not hesitate to contact exp’s
 Human Resource Manager, Mary Beth Pfaller, at +1.312.616.7445
 or by email at marybeth.pfaller@exp.com.

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