BENEFITS OVERVIEW FOR 2016 PRESENTED TO: PRESENTED BY: Jay N. Scott, CHC Senior Vice President Employee Benefits Practice Group Leader Associated Financial Group Employee Benefits. Insurance. HR Solutions.

Copyright 2012 by Associated Financial Group, LLC 1 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx 30 – 40 Hours/Week on average All Benefits (Health, Dental, Vision, Sick, Vacation, Fl Hol, Disability, Wis Retirement) Pay Full-Time Health Insurance Rates Full Time (FT) 24 – 29 Hours/Week on average Some Benefits (Health, Dental, Vision, Sick, Vacation, Fl Hol, Wis Retirement) Pay Reg Part-Time Health Insurance Rates Regular Part Time (RPT) 20 – 23 Hours/Week on average Vac, Sick Time, Fl Hol Benefits Only 46+ Hours/Pay Period = Wis Retirement Limited Part Time (LPT) 0 – 19 Hours/Week on average No Benefits (may be eligible for Wis Retirement depending on hours worked on an annual basis) Part Time (PT) ELIGIBILITY FOR BENEFITS

Copyright 2012 by Associated Financial Group, LLC 2016 HEALTH INSURANCE RATES 2 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx 2016 rate Employer Share 2016 Employee Share 2016 FT/Single w/HRA and Met Goal$728.06$640.69$ % FT/Family w/HRA and Met Goal$1,910.80$1,681.50$ % FT/Single w/HRA No Goal$728.06$618.85$ % FT/Family w/HRA No Goal$1,910.80$1,624.18$ % FT/Single No HRA$728.06$597.01$ % FT/Family No HRA$1,910.80$1,566.86$ % RPT/Single w/HRA w/Goal RPT Single w/HRA RPT Single No HRA $ $ $ $ $87.37 $ $ % 15% 18% RPT/Family w/HRA Met Goal$1,910.80$1,433.10$ % The 2016 Health Insurance premiums include a 1% reduction in employee premiums.

Copyright 2012 by Associated Financial Group, LLC 2016 MEDICAL BENEFIT HIGHLIGHTS Plan In-Network Benefits Only 2016 Plan Changes Deductible Single Family $250 $500 No Change Coinsurance90%No Change Out-of-Pocket Max Single Family $850 $1,700 Applies to non-Rx charges Office Visit CopayN/ANo Change Emergency Room Copay$100No Change Rx Drug Copays Retail (30-Day Supply) Mail* (90-Day Supply) $10 / $30 / $45 $20 / $60 / $90 No Change to Rx Copays New - Rx Copay Annual Out-of-Pocket Maximum $500 Single $1,000 Family Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx

Copyright 2012 by Associated Financial Group, LLC OTHER HEALTHCARE NEWS FOR 2016 Virtual Clinic office hours – looking to expand access to care from the current available clinic hours of operation New Nurse Practitioner: Cynthia Liethen Behavioral health services now available through United Behavioral Health Reminders: –Fond du Lac County Virtual Clinic use at no cost –Routine physicals performed at Virtual Clinic will earn employees a $50 Visa Gift Card --Spouses are also eligible –Connect with the Health Navigator program for diabetes, high cholesterol and high blood pressure –Smart Choice MRI incentive –HRA goal “alternative course of action” reminder (DUE NOV 4 TH ) - Call IHS to request form: Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx Cynthia Liethen

Copyright 2012 by Associated Financial Group, LLC TIPS FOR BEING A HEALTHWISE CONSUMER Use the Virtual Clinic Use EZ Care for immediate needs Get your teeth cleaned Get a vision exam Use your medical plan’s routine care benefits (physicals, screenings, etc.) Participate in the county’s Wellness programming Participate in Health Navigator, if applicable Use generic drugs and pill splitting Participate in Flex Spending program (saves 30% on OOP expenses) 5 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx

6 NEW DENTAL PROGRAM FOR 2016

Delta Dental of Wisconsin’s advantages are summarized as The Delta Dental Difference -- Outstanding local service, experienced people Located in Stevens Point --Largest Provider Network Saves on out-of-pocket expenses No balance-billing with participating dentists Guaranteed non-billable items -- Not For Profit ; local philanthropy The Delta Dental Difference Becky Cook, Benefit Advisor with over 9 years experience

The Delta Dental Network Difference

93% of Wisconsin dentists are in the Delta Dental Premier Network Almost 40% are in the Delta Dental PPO Network It’s easy to find out whether your dentist is in a Delta Dental network – Delta Dental Benefit Advisors are available by phone to help you select a participating dentist Call toll-free from 7:30 a.m. to 5 p.m. Monday- Friday to find a provider – also has an easy-to-use dentist locator Finding a participating dentist

10 Click on Find a Network Dentist under the Provider Search Tab. Enter your search criteria.

Finding a participating dentist 11 Provider results based on your criteria will be displayed as well as the level of provider participation PPO or Premier.

Members that see a Delta Dental PPO dentist save 25% on average vs. non- contracted dentists The value of dental insurance

Your Benefits – Fond du Lac County

Routine dental exams can spot serious health conditions and diseases – Diabetes – Cancer – Heart disease – Kidney disease Distinct link between oral health and whole- body health Evidence Based Integrated Care included The Wellness Connection

15 Evidence Based Integrated Care Program

Delta Dental will mail you two ID cards 16

Copyright 2012 by Associated Financial Group, LLC DENTAL INSURANCE Dental Insurance premiums include a 14% reduction in employee premiums. Open enrollment 17 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx Monthly Premium Employee$31.87 Employee + Spouse$65.63 Employee + Child(ren)$79.55 Employee + Spouse + Child(ren)$130.79

Copyright 2012 by Associated Financial Group, LLC VISION INSURANCE Vision Insurance Premiums have increased 4% from last year No change in benefits LASIK coverage Open enrollment 18 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx Materials OnlyFull Service Employee$7.64$10.82 Limited Family$15.29$21.63 Family$20.28$28.65

Copyright 2012 by Associated Financial Group, LLC LONG-TERM DISABILITY INSURANCE NO OPEN ENROLLMENT –If you don’t have coverage, but want to pick it up, you need to apply and complete an Evidence of Insurability form. No change in rates No change in benefits Only full-time employees eligible 19 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx

Copyright 2012 by Associated Financial Group, LLC OPEN ENROLLMENT INFO 20 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx All forms due: November 13, 2015! If electing new coverage, please also submit those enrollment forms. Failure to return yellow form will result in insurance elections being continued through the 2016 plan year. Enrollment forms found at:

Copyright 2012 by Associated Financial Group, LLC QUESTIONS? 21 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx