Shelby County Government 2014 Benefits Annual Enrollment: 11/01/2013 – 11/15/2013

AGENDA PLAN DESIGN CHANGES DEPENDENT ELIGIBILITY AUDIT TOTAL HEALTH WELLNESS PROGRAM RESOURCES 2 OPEN ENROLLMENT 2013 WHAT YOU NEED TO KNOW

OPEN ENROLLMENT 2013 PLAN DESIGN CHANGES (MEDICAL) –Elimination of the OAP PPO Plan –Employees currently enrolled in the OAP PPO plan must select a new plan –Employees who do not choose a new plan will automatically be enrolled into the New STANDARD HRA PLAN –Increase in Deductibles and Out of Pocket Maximums –Decrease in coinsurance levels –Introduction of new affordable health care plan –HMO plan out-of-pocket will now include copays, in addition to, deductible and co-insurance for medical only. PLAN DESIGN CHANGES (PRESCRIPTIONS) –Prescription-moving from Flat $ copay to coinsurance 3

MEDICAL PLAN CHANGES FOR OAPIN (HMO) 2013 Deductibles: $200 per person Coinsurance after deductible 10% Out-of-Pocket Maximum $1,500 per person Prescriptions Generic – $10 Preferred Brand – $25 Non Preferred Brand – $35 OAPIN (HMO) 2014 Deductibles: $500 per person Coinsurance after deductible 20% Out-of-Pocket Maximum $3,000 per person Prescriptions Generic –20%; $8min/$20max Preferred Brand – 30%; $40min/$70max Non Preferred Brand – 40%; $80min/$120max OPEN ENROLLMENT 2013 Monthly Premium Employee: $ Family: $ Monthly Premium Employee: $ Family: $345.00

MEDICAL PLAN CHANGES FOR Choice HRA 2013 Deductibles: $1,500 individual $3,000 individual +1 $4,500 family Coinsurance after deductible 10% Out-of-Pocket Maximum $2,000 individual $3,500 individual+1 $5,000 family HRA Funds: Individual – $650 Individual+1 – $1,300 Family – $1,950 Prescriptions Generic – 20% after deductible Preferred Brand – 20% after deductible Non Preferred Brand – 40% after deductible Choice HRA 2014 Deductibles: $1,650 individual $3,300 individual +1 $4,950 family Coinsurance after deductible 10% Out-of-Pocket Maximum $2,250 individual $4,000 individual+1 $5,500 family HRA Funds: Individual – $650 Individual+1 – $1,300 Family – $1,950 Prescriptions Generic – 20% after deductible; $8min/$20max Preferred Brand – 30% after deductible; $40min/$70max Non Preferred Brand – 40% after deductible; $80min/$120max OPEN ENROLLMENT 2013 Monthly Premium Employee: $ Family: $ * Unused funds roll over annually Monthly Premium Employee: $ Family: $ * Unused funds roll over annually

*Includes deductible HOW YOUR Choice HRA WORKS 6 All plans have exclusions and limitations. Please review your Benefit Summary for more information about covered and not-covered services under your plan. All unused funds roll over annually HRA Out-of-Pocket Maximum Plan pays 100% once you have reached your out-of-pocket maximum of $2,250    Health Reimbursement Account Who pays? Shelby County Government $650 Remaining Deductible Who pays? You $1,000 Preventive Care Covered 100% Coinsurance Who pays? Shelby County Government pays 90% & You pay 10% Deductible $1,650 Coinsurance 10%* OPEN ENROLLMENT 2013

OPEN ENROLLMENT 2013 NEW MEDICAL PLAN OPTION FOR 2014 Plan meets requirement for affordability and minimum value 7 Standard HRA 2014 Open Access Plus: 368,000 doctors/specialists 5,700 hospitals/facilities Deductibles: $3,000 individual $6,000 individual+1 $9,000 family Coinsurance after deductible: 20% Out-of-Pocket Maximum: $5,000 individual $8,000 individual+1 $10,000 Family HRA Funds: Individual – $650 Individual+1 – $1,300 Family – $1,950 Prescriptions: Generic – 20% after deductible; $8min/$20max Preferred Brand – 30% after deductible; $40min/$70max Non Preferred Brand – 40% after deductible; $80min/$120max Monthly Premium Employee: $85.00 Family: $ * Unused funds roll over annually NEW AFFORDABLE PLAN

*Includes deductible HOW YOUR Standard HRA WORKS 8 All plans have exclusions and limitations. Please review your Benefit Summary for more information about covered and not-covered services under your plan. All unused funds roll over annually HRA Out-of-Pocket Maximum Plan pays 100% once you have reached your out-of-pocket maximum of $5,000    Health Reimbursement Account Who pays? Shelby County Government $650 Remaining Deductible Who pays? You $2,350 Preventive Care Covered 100% Coinsurance Who pays? Shelby County Government pays 80% & You pay 20% Deductible $3,000 Coinsurance 20%* OPEN ENROLLMENT 2013

HELPING YOU PLAN FOR YOUR MEDICAL EXPENSES HMOChoice HRA Standard HRA **Meets Minimum Value and Affordability Compliance In-Network Out-of-NetworkIn-NetworkOut-of-Network SingleFamilySingleFamilySingleFamilySingleFamilySingleFamily Deductible$500 per person $1,650 Individual $3,300 Employee+1 $4,950 Family $1,650 Individual $3,300 Employee+1 $4,950 Family $3,000 Individual $6,000 Employee+1 $9,000 Family $3,000 Individual $6,000 Employee+1 $9,000 Family Out-of-pocket maximum $3,000 per person $6,000 $2,250 Individual $4,000 Employee+1 $5,500 Family $4,500 Individual $10,000 Employee+1 $12,500 Family $5,000 Individual $8,000 Employee+1 $10,000 Family $10,000 Individual $16,000 Employee+1 $20,000 Family HRA contribution from employer $0 $650/Individual $1,300/Employee+1 $1,950/Family $650/Individual $1,300/Employee+1 $1,950/Family Coinsurance20%*10%*40%*20%*40%* Primary Care Physician $30 copay10%*40%*20%*40%* Specialist$45 copay10%*40%*20%*40%* Preventive CareNo charge Not coveredNo chargeNot covered Inpatient Hospital $250 copay per admission then 20%* 10%*40%*20%*40%* Outpatient Hospital 20%*10%*40%*20%*40%* Emergency Room$200 copay*10%* 20%* Urgent Care$35 copay*10%* 20%* Medical Plan Highlights 9 *After plan deductible If you choose to receive care outside of your plan’s network, only covered expenses will be applied to your deductible – subject to your plan’s Maximum Reimbursable Charge provisions. No Out-of-Network benefits available for HMO option except for emergency. OPEN ENROLLMENT 2013

HELPING YOU PLAN FOR YOUR PRESCRIPTION EXPENSES OAPIN (HMO) EXPRESS SCRIPTS Cigna Choice HRA* Cigna Pharmacy Standard HRA* Cigna Pharmacy Retail (30-day supply) Home delivery (90-day supply) Retail (30-day supply) Home delivery (90-day supply) Retail (30-day supply) Home delivery (90-day supply) Generic You pay 20% $8 min/$20 max You pay $25 You pay 20% $8 min/$20 max You pay $25 You pay 20% $8 min/$20 max You pay $25 Preferred brand with Generic Buy-Up You pay 30% $40 min/$70 max You pay $62 You pay 30% $40 min/$70 max You pay $62 You pay 30% $40 min/$70 max You pay $62 Non-preferred brand You pay 40% $80 min/$120 max You pay $137 You pay 40% $80 min/$120 max You pay $137 You pay 40% $80 min/$120 max You pay $137 Specialty Drugs (Mandatory Mail Order) Not covered$100Not covered$100Not covered$100 Prescription plan highlights OPEN ENROLLMENT 2013 *HRA Plans have a combined deductible for medical and pharmacy Pharmacy Benefits are available In-Network Only Mandatory Mail for Maintenance Medications after 3 rd retail refill

DEPENDENT ELIGIBILTY AUDIT 11

−Purpose to ensure all enrolled dependents are eligible to participate in Shelby County’s Medical Plans. This process this mandatory for all employees enrolled for health care coverage. −The process is to audit every enrolled dependent as of December 1, −Eligibility audit will begin after open enrollment and completed in the first quarter of −If an employee knowingly has enrolled an ineligible dependent, the dependent MUST be removed during the 2013 Open Enrollment Period. −This is your only chance to remove your ineligible dependents without penalty. −Audit will be conducted independently by Shelby County’s Consultant, Buck Consultants. OPEN ENROLLMENT DEPENDENT ELIGIBILTY AUDIT IN 2014

–Buck Consultants will mail packets to the employees home address –If your address has changed, please Employee Benefits at or submit in writing directly to the benefits department –Employees will have access to Buck’s Customer Service Center and toll-free number –Employees may respond to Buck Consultants by Web, paper or fax –Ineligible dependents will be removed from coverage January 31, OPEN ENROLLMENT 2013 DEPENDENT ELIGIBILTY AUDIT ADDITIONAL INFORMATION

OPEN ENROLLMENT 2013 TOTAL HEALTH WELLNESS PROGRAM 14

TOTAL HEALTH WELLNESS PROGRAM –To be enrolled in Shelby County’s Medical all employees will be required to take the Cigna Health Assessment which will include biometric screening information –The Cigna Health Assessment must be completed by September 30, 2014 –On-site screenings will not be offered. Employees will need to visit their physician to receive biometric screening *Reminder: Employees who successfully completed the Cigna Health Assessment in 2013, will receive a premium incentive beginning July 1, OPEN ENROLLMENT 2013

SAVING YOU TIME myCigna.com –Print forms or print/order ID cards –Check your coverage and explanation of benefits –Track claims, payments and deductibles –Sign up for online coaching programs –Keep track of your health history and records with a secure online personal health record –Find in-network doctors, hospitals, specialists and labs –Learn about common health problems and treatment options –Compare treatment and procedure costs –Find cost and quality ratings for doctors and hospitals –Switch a prescription to Cigna Home Delivery Pharmacy with one easy phone call and have your medications delivered to your door 16 No claim forms needed in-network Talk with a coach trained as a nurse when you can’t reach your doctor – day or night OPEN ENROLLMENT 2013

ENROLL TODAY. IT’S EASY. RESOURCES FOR QUESTIONS –Employees and Pre-65 Retirees call Shelby County Government Benefits Hot –Employees Shelby County Government Benefits at –Call Cigna’s dedicated Pre-Enrollment Line , available 24/7/365  Questions about coverage, how to find a provider, claims payments, print directory –Pre-65 Retirees Shelby County Government at DISCLAIMER: Every effort has been made to ensure the accuracy of this information. However, if there is a discrepancy with any plan or policy, the plan policy will always govern. 17 OPEN ENROLLMENT 2013