Open Enrollment 2019 - PowerPoint Presentation

Open Enrollment 2019

Open Enrollment April 23rd th through May 24 th For vision , medical, and/or dental, you will remain in the same plan and network for the 2019-2020 plan year if you don’t do anything Open Enrollment elections cannot be made after May 24 th All changes take effect on July 1 st

Enrollment Changes You must reenroll in the FSA (health or dependent care) Enroll or change your medical and dental Add or remove dependents Enroll in a Health Savings Account (HSA) – new enrollees only. If you are already enrolled, no action is needed Enroll or increase coverage for Life Insurance and Accidental Death & Dismemberment

What’s new for 2019-2020 HSA/FSA yearly maximums increased. HSA Individual $3,500 HSA Family $7,000 FSA health $2,700 FSA/HSA admin fees will be paid for by the college Up front college contribution to the HSA (July 22nd paycheck) $1200 for single $1600 for 2 party/family

What’s new for 2019-2020 (continued)Medical Copay Decreases Office visits will now be $25 Urgent Care will now be $35 Specialist will now be $ 35 No change in premiums for medical or dental

Eye Exam Reminder One annual eye exam per person will only be covered under the vision plan through EMI Health Injuries to eye(s) will still be covered under your medical plan Free to enroll/add dependents on your vision plan

Open Labs May 9 Redwood Library Room 266 from 10:00 am– 1:00 pm May 17 Redwood Library Room 266 from 1:00 pm – 4:00 pm

The college will do a one-time contribution$1200 for single coverage $1600 for 2 party or family coverage. On the July 1-15 (July 22nd) paycheck. HSA Contribution

Healthcare HSA Tax Savings on ALL expenses related to medical, dental, & vision care Funds can be used as they are deposited Funds rollover each year so you can use your HSA to save tax-free money for retirement Flexibility in funding Can enroll whenever you become eligible Health Savings Accounts: Increase Your Spending Power

An employee who is:Covered by a High-Deductible Health Plan (HDHP) Not enrolled in Medicare nor MedicaidNot covered under other health insurance*(Includes TRICARE and receipt of VA or IHS benefits within the previous 3 months) (Can be under a spouse’s HDHP) Not another person’s tax dependent Who is Eligible for an HSA?

You and your spouseAny dependent claimed or eligible to be claimed on your tax return (defined by IRC Section 152)Dependents defined different for health insurance and HSAs: HSA funds cannot be used for medical expenses incurred by a child who is not eligible to be claimed as a dependent on your tax returnDependents ineligible for HSA reimbursement can still be covered on your HDHP Whose expenses can your HSA cover?

Not Considered “Qualified” Insurance premiums (other than Medicare and some less common insurance types for the HSA) Over-the-counter drugs without a prescription (insulin is an exception) Cosmetic procedures Expenses covered by another insurance plan General health items Qualified Doctor and hospital visits Medical equipment Chiropractic Care Dental care Vision care Medications The penalty for using HSA funds for unqualified expenses is 20% + taxes. Keep all itemized receipts in case of an IRS audit FSA & HSA Expenses

FSA Funds available on July 1st Medical coverage does not matter Adjudication required on all expenses Unused funds are forfeited at plan year end HSA Funds are available as they are deposited Must be covered by HDHP No adjudication required No use-it-or-lose-it HSA vs FSA

If you already have a debit card from last year:FSA funds will be loaded onto the card on July 1st.HSA funds will be available as deposited Debit Card

Healthcare FSA Tax Savings on ALL expenses related to medical, dental, & vision careMaximum contribution limit is $2,700 Funds loaded to your NBS MasterCard on the 1st day of the plan year (plus manual reimbursement options are available too) Dependent Care FSA Tax savings on your day care/child care expenses Maximum contribution limit is $5,000 Continual reimbursement is available plus many other convenient reimbursement options Flexible Spending Accounts – Increase Your Spending Power

www.mywealthcareonline.com/nbsbenefits NBS Online Enrollment Portal

With the NBS mobile app, you can easily manage your benefits on-the-go! View your account balances See claim and reimbursement history Submit claims Attach documentation with your device’s camera Set up account notifications and alerts Report benefit card lost/stolen Order new benefit cards Quick contact to NBS Available at the iTunes Store and Google Play Store . NBS Mobile App

Medical & Dental Benefits Open Enrollment 2019-2020

DENTAL PROVIDERS 1,275 GENERAL DENTISTS291 SPECIALISTS OVER 100,000 ACCESS POINTS NATIONWIDE No Changes

DENTAL RATES 2019-2020Per Pay Period Employee Premium 2019/20 Employee $2.25 Two-Party $3.75 Family $5.95 No changes in premium

MEDICAL RATES 2019-2020Per Pay Period No changes in premium PAR TRADITIONAL PLAN HIGH DEDUCTIBLE PLAN Employee $63.00 $43.25 Two-Party $138.00 $93.25 Family $192.00 $134.50 PVC TRADITIONAL PLAN HIGH DEDUCTIBLE PLAN Employee $32.00 $14.00 Two-Party $71.00 $32.00 Family $97.00 $43.00PFPTRADITIONAL PLANHIGH DEDUCTIBLE PLANEmployee$7.50 $0 Two-Party $17.00 $0 Family $23.50 $0

ONLINE ENROLLMENT Click the Regence Online Enrollment link on the HR website – April 23 rd – May 24 th If you already have an account, log in – this is a separate login from your Regence.com account First time users “Create an Account” Identify yourself and then create a User ID and Password Begin open enrollment process Online Enrollment Assistance 5 a.m. to 5 p.m. 855-216-8125

ONLINE ENROLLMENT

ONLINE ENROLLMENT Maintain personal informationView important benefit informationCompare plans Manage account information Link to other benefit websites

NETWORK OPTIONS

Participating All 50 Hospitals 12,885 Providers Includes Primary Children’s Hospital Huntsman Cancer Institute University of Utah All Urgent Cares InstaCares Kids Cares Participating Broadest Access All Surgical Centers BlueCard National Access

ValueCare 41 Hospitals 12,709 Providers Includes Primary Children’s Hospital Huntsman Cancer Institute University of Utah All Urgent Cares InstaCares Kids Cares Broader access All Surgical Centers ValueCare - PPO BlueCard National Access

Focal Point 8 Counties: Salt Lake Utah Davis Weber Tooele Summit Box Elder Cache FocalPoint 13 Hospitals 6,889 Providers BlueCard National Access Includes Primary Children’s Hospital Huntsman Cancer Institute University of Utah

Blue Network Blue Cross Blue Shield Association: www.bcbs.com

Ambulatory Surgery Centers All but Cottonwood Surgical Center is contracted. © 2018 Regence BlueCross BlueShield of Utah. All rights reserved. Private and confidential. Procedure Hospital Fee ASC FEE Difference % Savings ACL Reconstruction $16,082 $8,800 ($7,282) 83% Knee Scope Lateral Release $6,501 $3,150 ($3,351) 106% Total Hip Arthroplasty $26,152 $17,500 ($8,652) 49% Shoulder Decompression $10,022$5,900($4,122)70%Ulnar Nerve Transportation$5,757$3,300($2,457)74% Colonoscopy $1,472 $573 ($899) 157% Ear Tubes Bilateral $1,513 $746 ($767) 103%

BENEFITS

Covered Medical Services In-network Out-of-network Deductible per plan year $400 claimant $800 family $1,000 claimant $2,000 family Pharmacy deductible per plan year $100 claimant $300 family Maximum out-of-pocket per plan year $3,200 claimant $6,500 family $5,000 claimant $10,000 per family Pharmacy out-of-pocket per plan year $2,000 claimant $6,000 family Medical Summary Traditional PlanAccumulation from July 1, 2019 through June 30, 2020VSP direct for eye exams and materials. Injuries to the eye continue with Regence coverage.

Medical Summary – Traditional Plan Covered Medical Services In-Network Out-of-Network Office visit for illness / injury   40%* AD Primary Care $25 Specialist Care $35 Other Practitioner Visit / Urgent Care $35 Chiropractic Care $35 Preventive Care Covered at 100% 25%* AD Identified by age and gender Imaging (CT/PET scans, MRI’s) $50 copay AD $50 Copay / visit & 40% coinsurance Diagnostic, Laboratory and Radiology 20% AD 40%* AD includes lab and radiology performed during an office visit, an ER visit, in-patient, out-patient, minor and major     Emergency Room 20% AD 40%* AD MDLive TeleHealth $10 copay *balance billing applies *AD = After Deductible

Covered Prescription Services Deductible per plan year $100 individual / $300 per family Waived for Generics and Mail-order Out-of-pocket maximum per plan year $2,00 0 individual / $6,000 family RETAIL 30-DAY SUPPLY – not more than a 30-day supply or 100 unit doses Tier 1 (Generic) $7 deductible waived Tier 2 (Brand Name Preferred) 25% to a maximum of $150 per script Tier 3 (Brand Non-Preferred) 30% to a maximum of $175 per script SPECIALTY MEDICATIONS – 30-DAY SUPPLY Tier 4 (Generic and Brand Name Preferred)10% to a maximum of $250 per scriptTier 5 (Brand Non-Preferred)15% to a maximum of $300 per script MAIL-ORDER 90-DAY SUPPLYTier 1 (Generic)$7 deductible waivedTier 2 (Brand Name Preferred)25% to a maximum of $300 per 90-day supplyTier 3 (Brand Non-Preferred)30% to a maximum of $437.50 per 90-day supplyPharmacy Summary – Traditional Plan

High Deductible Health Plan In-Network Out-of-Network Deductible $1,500 single $3,000 single $3,000 family $6,000 family Out-of-Pocket Max $3,000 single $6,000 single $6,000 family $12,000 family Coinsurance After deductible, you pay 10% After deductible, you pay 30%* *balance billing applies *AD = After Deductible Accumulation from July 1, 2019 through June 30, 2020

High Deductible Health Plan Covered Medical Services In-Network Out-of-Network Office visit for illness / injury   30 %* AD Primary Care $25 AD Specialist Care $35 AD Other Practitioner Visit / Urgent Care $35 AD Chiropractic Care 10% AD Preventive Care Covered at 100% 30%* AD Identified by age and gender Imaging (CT/PET scans, MRI’s) $50 copay AD $50 Copay / visit & 30 % coinsurance Diagnostic, Laboratory and Radiology 1 0 % AD 3 0 %* AD includes lab and radiology performed during an office visit, and ER visit, in-patient, out-patient, minor and major     Emergency Room 1 0 % AD 3 0 %* AD MDLive TeleHealth $42/visit for medical $75 mental health. $10 copay when deductible is met *balance billing applies *AD = After Deductible

Covered Prescription Services Deductible per plan year Included in Medical deductible Out-of-pocket maximum per plan year Included in Medical out-of-pocket maximum RETAIL 30-DAY SUPPLY – not more than a 30-day supply or 100 unit doses Tier 1 (Generic) $7 copay Tier 2 (Brand Name Preferred) 25% to a maximum of $150 per script Tier 3 (Brand Non-Preferred) 30% to a maximum of $175 per script SPECIALTY MEDICATIONS – 30-DAY SUPPLY Tier 4 (Generic and Brand Name Preferred)10% to a maximum of $250 per scriptTier 5 (Brand Non-Preferred)15% to a maximum of $300 per script MAIL-ORDER 90-DAY SUPPLYTier 1 (Generic)$7 copayTier 2 (Brand Name Preferred)25% to a maximum of $300 per 90-day supplyTier 3 (Brand Non-Preferred)30% to a maximum of $437.50 per 90-day supplyMedications on the Optimum Value list have their deductible waived Pharmacy Summary – High Deductible

Optimum Value Value-based medications(Usually Generic ) Deductible waived on Qualified High Deductible Health Plan for medications used to prevent or manage chronic conditions: Depression Cardiovascular Disease Diabetes High Cholesterol Osteoporosis Asthma

Traditional Plan HDHP Annual Premium Family Coverage $4,368 PAR $2,232 PVC $564 PFP $2,988 PAR $984 PVC $0 PFP Deductible $400 per individual $800 family Pharmacy - $100/$300 $1,500 single $3,000 family Pharmacy – Subject to medical deductible Coinsurance 80/20% 90/10% Out-of-Pocket max (OOP)$3,200 per individual$6,500 familyPharmacy - $2000/$6000$3,000 single$6,000 familyPharmacy – subject to medical OOPSLCC Annual HSA Contribution*N/A$1,200 for single enrollees*$1,600 for family enrollees**The full HSA contribution will be front-loaded in July by SLCC PLAN COMPARISON

EXAMPLE 1 - SINGLE Traditional HDHP Example: $2,000 in medical expenses Individual Deductible/Coinsurance Deductible: $400 20% Coinsurance: $320 Member Total = $720 Deductible: $1,500 10% Coinsurance = $50 Member Total = $1,550 2017-2018 SLCC HSA Contribution N/A $ 1,200* Insurance Pays ($1,280) ($450) HSA PaysN/A($1,200)*Member Balance$720$350Member SavingsN/A$370Annual Premium-Single Coverage - ValueCare $768$336Annual Premium SavingsN/A$432*SLCC will contribute $1200 for the July 1-15 pay period into the employee‘s HSA.

EXAMPLE 2 - FAMILY Traditional HDHP Example: $35,000 in medical expenses Individual Deductible/Coinsurance Deductible: $800 20% Coinsurance: $ 5,700 Member Total = $6,500 Deductible: $3,000 10% Coinsurance $3,000 Member Total = $6,000 SLCC HSA Contribution N/A $1,600* Insurance Pays ($28,500)($29,000)HSA PaysN/A($1,600)Member Balance$6,500$4,400Member SavingsN/A$2,100Annual Premium-Family Coverage – ValueCare$2,328$1,032Annual Premium SavingsN/A$1,296*SLCC will contribute $1600 for the July 1-15 pay period into the employee‘s HSA or $1600 for family.

EXAMPLE 3 – PHARMACY Traditional HDHP Example: Humalog – Preferred/Formulary Medication Pharmacy Deductible $100 per individual $300 per family Subject to medical deductible $1,500 single $3,000 family Average Cost of Medication $543.94 per script $543.94 per script Patient Balance Deductible: $100 25% Coins = $110.99 Member total = $210.99 Deductible = waived = Optimum Value 25% Coins = $135.99Member total cost = $135.99SLCC Annual HSA ContributionN/A$1,200 (single) or $1,600 (family)HSA BalanceN/A$1,064.01 (single) or $1,464.01 (family) *SLCC will contribute $1200 for the July 1-15 pay period into the employee‘s HSA or $1600 for family. Humalog = 100 Unit/ML = $543.94 Avg Price

EMPLOYEE TOOLS

R egence.com Easy access and alerts for new claims, EOBs, messages View account information and order or print replacement ID cards Live chat with a customer service representative. See where you are at meeting your deductible and out-of-pocket maximum Find a doctor and access cost estimators One-click access to telehealth through MDLIVE Medical Supply shopping and repayment made easy BabyWise maternity program provides support to help you have a healthy, full-term baby

Have your Member ID card ready Answer a series of security questions Keep your login and password in a secure place Getting started at regence.com Select ‘Register’ and begin the guided registration process

Find a Doctor and estimate costs at regence.comSign-in for providers and estimates tailored to you Refine results based on network coverage, accepting new patients, provider language, and more Read reviews from members who have had an appointment with the doctor Select a category – doctor, place, estimate costs, treatment timelines and more Best coverage indicator provides insight to Category 1 providers. These providers typically offer the best coverage based on benefit design for copays and coinsurance

Get care from anywhere, anytime Phone or video visit with a doctor More than nurseline – get treatment plan and Rx, if needed Available for spouses and kids 24/7/365 on-demand or by appointment $10 copay $42 until deductible is met Then, $10 copay HDHP Plan Traditional PPO Plan Register today! mdlive.com/ regence-ut or by visiting your regence.com member dashboard ! Telehealth through MDLIVE

Acne Allergies Asthma Bronchitis Cold & Flu Fever Headache Infections Joint Aches & Pains Nausea & Vomiting Pink Eye Rashes Sinus Infection Sore Throat Sunburn Urinary Tract Infection Cold & Flu Constipation Earache Fever Nausea & Vomiting Pink Eye Sinus Infection Common Issues Pediatrics Register today! mdlive.com/ regence-ut or by visiting your regence.com member dashboard ! Register and be entered to win a prize Telehealth through MDLIVE

BabyWise education and tools Get regular updates about what to expect during pregnancy and prenatal appointments Access to a nurse by telephone 24/7 Regular contact from an assigned nurse (if high-risk) Expert information about nutrition, breastfeeding and common pregnancy concerns Access to Due Date Plus app to help track every step Call 1-888-JOY-BABY (569-2229) to get started!

Visit regence.com Medical Supplies page to connect with retailers to buy crutches, breast pumps, CPAP supplies and more Online shopping is convenient, saves time and may offer discounts Get repaid for your covered portion using an easy online claims form Learn more at: regence.com/ MedicalSupplies Medical supply shopping and repayment made easy

Easily register for regence.comAccess member ID card Check benefits and coverage View claims and EOBs Search for in-network doctors, specialist or clinic Estimate out-of-pocket costs Learn more at: regence.com/mobile Regence mobile app