2015 Employee Benefits Review & Open Enrollment William Jewell College November 3rd, 2014

Today’s Agenda Discussion Topics Open Enrollment –November 3rd through November 21st Healthcare Reform Benefit Review Medical: Blue Cross Blue Shield of Kansas City Dental: Aetna FSA: Phillips Resource Network Life and Long-Term Disability: Lincoln Financial Group Voluntary Vision: EyeMed Voluntary Short-Term Disability: Aflac

Open Enrollment This is the time to make benefit decisions. Changes outside of Open Enrollment are only allowed if you have a Qualifying Event: Marital Status Loss of Coverage Birth of a Child Adoption Death Pre-tax Premium laws require you make your elections for the Plan year with no changes unless you have a Qualifying Event. Please notify the HR Department within 30 days of a qualifying event to make a change.

Health Care Reform – Updates for 2015 Affordable Care Act (ACA) Healthcare reform requires individuals to have a basic level of health coverage (minimum essential coverage) or pay a penalty (tax). Fixed Dollar Amount - $325 in 2015 and $695 in 2016 or (the greater of), Percentage of Household Income – 2% in 2015 and 2.5% in 2016 Health Insurance Marketplace (Exchanges) If you are not eligible for the William Jewell College’s Healthcare Plans, you can get information about enrolling in health insurance through the Health Insurance Marketplace at the following website: https://www.healthcare.gov Open Enrollment for health insurance coverage through the marketplace begins in October for coverage starting in January 2015 Flexible Spending Accounts continue to be capped at $2,500 for healthcare expenses and $5,000 for dependent day care expenses.

William Jewell College Insurance Medical Withholdings for 2015 HMO COST SHARING TABLE BY ANNUALIZED SALARY Under $30,000 At least $30,000 & under $47,000 At least $47,000 & under $61,500 At least $61,500 & over 1/2-3/4 Time Employees 2014 2015 Employee Only $46.20 $48.51 $59.85 $62.84 $72.45 $76.07 $85.05 $89.30 $205.70 $215.99 Employee + 1 $144.90 $152.15 $217.35 $228.22 $273.00 $286.65 $363.30 $381.47 $398.00 $417.90 Family $166.95 $175.30 $235.20 $246.96 $307.65 $323.03 $379.05 $565.69 $593.97 PCB COST SHARING TABLE BY ANNUALIZED SALARY $43.05 $45.20 $55.65 $58.43 $67.20 $70.56 $78.75 $82.69 $190.73 $138.60 $145.53 $206.85 $217.19 $262.50 $275.63 $358.05 $375.95 $377.09 $159.60 $167.58 $225.75 $237.04 $299.25 $314.21 $370.65 $389.18 $535.96

William Jewell College 2015 Health Benefits

Your 2015 Medical Plans Blue-Care HMO – (Health Maintenance Organization) Select a Primary Care Physician (PCP); self-refer to specialists In network coverage only Metro KC area coverage only Emergent care while traveling Away from Home program Preferred-Care Blue PPO (Preferred Provider Organization) No selection of PCP (Primary Care Physician) In and out of network coverage Lower your out of pocket expenses by using network providers National and International coverage

Preferred Care Blue Network Hospital Locator www.bluekc.com Hospital Name HMO Blue-Care Network PPO Preferred Care Blue Network Center Point Medical Center X Children’s Mercy Hospitals KU Medical Center Lee’s Summit Hospital Liberty Hospital Menorah Medical Center North Kansas City Hospital Olathe Medical Center Overland Park Regional Providence Medical Center Research Medical Center Shawnee Mission Medical Center St. Joseph Medical Center NO St. Luke’s (All Locations) St. Mary’s Medical Center Truman Medical Center (Hospital Hill and Lee’s Summit)

www.bluekc.com View EOB’s Track claims Review benefits BlueKC Member Portal View EOB’s Track claims Review benefits Print temporary I.D. cards Order permanent I.D. cards Added-value services Blue365 Discounts

BlueCard PPO Network Travel with your PPO plans! National Network Access through BlueCard® 1,177,194 Physicians 6,776 Hospitals Access in all 50 States Welcomed in more than 200 Countries Worldwide

Routine Preventive Services In-Network routine preventive services and the related office visit for routine preventive services covered at 100% Annual Physicals Childhood immunizations Well women exams including mammograms PSA Tests Colorectal cancer exams Generic contraceptive drugs at 100% Breastfeeding support, supplies (pumps) and counseling at 100% Services MUST be Preventive Services MUST be done in a different calendar year All services received from an out-of-network provider are subject to the out-of-network deductible and coinsurance, except for childhood immunizations, which are paid at 100%.

Nurse Line Benefits Access to Care Advisors to help you with symptoms or answer health-related questions How Can They Help? Gain convenient access to quality care Become better informed about healthcare Gain confidence when speaking to providers Become educated on self-care for non- urgent situations Improve knowledge of drugs and medications Registered nurses ready to take your call 24 hours a day…365 days a year!

Exclusively For Our Members A value-added program exclusively for Blue KC members. Helping you live healthy means more than regular doctor visits Blue365® is a national program that is part of your Blue KC membership Provides exclusive access to information, discounts, and savings Blue365 can: Add exclusive value-added extras to an already attractive and competitive benefit package Be a strong health and wellness resource

NO St. Luke’s Hospitals Blue-Care HMO PCP: $30 (FP, GP, IM, Ped) NASB Training 10/19/2017 Blue-Care HMO PCP: $30 (FP, GP, IM, Ped) Specialist: $60 (ENT, Derm, OB/Gyn) Inpatient/Outpatient Copay $250 per day/$250 per outpatient occurrence up to $1,250 per calendar year Hi-Tech Scans (MRI’s, PET, CT, MRA Scans) $100 copay Only one copay will apply for each provider on a specified date of service even if multiple scans are performed Urgent Care $60 copay (Minute Clinics, Take-Care Centers) Emergency Room $100 copay (waived if admitted) Routine Vision Care $10 copay (one vision exam per year) Center Point Medical Center Children’s Mercy Hospitals KU Medical Center Lee’s Summit Hospital Liberty Hospital Menorah Medical Center North Kansas City Hospital Olathe Medical Center Overland Park Regional Providence Medical Center Research Medical Center Shawnee Mission Medical Center St. Joseph Medical Center St. Mary’s Medical Center Truman Medical Center (Hospital Hill and Lee’s Summit) NO St. Luke’s Hospitals 14

Preferred-Care Blue PPO Plan NASB Training 10/19/2017 Preferred-Care Blue PPO Plan www.bluekc.com In-Network Out-of-Network Deductible: Individual $2,500 Deductible: Family $5,000 Coinsurance (your share): 20% 40% Inpatient or Outpatient Services Deductible then 20% Deductible then 40% Radiology, Hi-Tech Scans Office Visits (includes lab services performed in office or network lab) $40 copay Urgent Care Emergency Room $100 copay then deductible then 20% (copay waived if admitted) Out-of-Pocket Maximum*: Individual $4,500 $9,000 Out-of-Pocket Maximum*: Family $18,000 *Out-of-pocket maximum includes deductible, coinsurance and copays 15

Prescription Drug Coverage NASB Training 10/19/2017 34 day supply In-Network Pharmacy Tier 1: $10 Tier 2: $50 Tier 3: $70 102 day supply Express Scripts Mail-Order Tier 1: $20 Tier 2: $100 Tier 3: $140 Certain drugs may require prior authorization, have quantity limitations or require step therapy (Generics First). Refer to www.BlueKC.com for additional details. Rx copays help satisfy OOPM 16

Consumer-Driven Tools Explore the website for added value discounts, Prescription drug costs, price health procedures Choose the Right Health Care Setting Generics vs. Brand Name Drugs. Visit the website bluekc.com to find an In-Network Provider Call Nurseline Annual Physicals Communicate with your Doctor Participate in a Wellness Program Consumer-Driven Tools

Active PPO PPOII Network Type I Type II Type III Type IV Deductible None $50 / $150 Aetna Pays (Participating Providers) 100% 80% 50% (Non- Participating) 70% 40% Covered Services Dental X-rays Routine Oral Exam Cleaning – two each calendar year Root Canal Tooth Extraction Composite Fillings Complete or Partial Dentures Crowns Inlays/Onlays Orthodontia ( to age 20) Calendar Year Maximum $1,000 per person for all services N/A Lifetime Maximum $1,000

No ID Cards needed Finding Providers Go to ww.Aetna.com Select PPOII Network

Flexible Spending Accounts Information + Enrollment = Savings

FSA Benefit Buckets Available: What is an FSA anyway? An FSA adds spendable income and covers many expenses. You may redirect part of your paycheck into a pretax account. FSA Benefit Buckets Available: IRS Determines Limits 1- HEALTHCARE FSA: Medical, Dental, Vision, Pharmacy & approved OTC. $2,500 and/or 2- DEPENDENT CARE FSA: Daycare expenses. $5,000 You can participate in one or both types of FSA

How will it benefit me? Paycheck Advantages: - Increased take-home pay - Lower income taxes $$ Double benefit $$ Average family of four in the U.S. can save hundreds of dollars in taxes. …. Immediate availability of Healthcare account funds

Expenses covered? Medical & Dental Dependent Care Deductibles & co-pays Prescription drugs Vision (exams, glasses, laser eye surgery, contact lens solution) Diabetic supplies Hearing Aids Medical travel expenses Chiropractic services Dental (cleanings, fillings, orthodontia, dentures) And many more! *Over the counter….what qualifies…. Dependent Care Daycare (child under age 13) Private Nanny or Babysitter Adult Daycare

How to submit claims Option 1: The Benny Card. The card is used at the point of service at hospitals, doctor’s offices and pharmacies. The card cannot be used to purchase over-the counter medication without a prescription. Save all receipts as you may be asked to substantiate your expense. Keep your Benny Cards! NOTE: Grace Period is now available on Benny Card Swipes and Manual Claims for 75 days For the 2014 plan year, the last day to use your 2014 funds is March 16, 2015 For the 2015 plan year, the last day to use your 2015 funds is March 16, 2016 Option 2: Paper Claims. Fax or mail a claim form to Phillips Resource Network with an Explanation of Benefits (EOB) and/or receipt. Receipts must include a patient name, date of service, type of service and dollar amount. 2015 PLAN YEAR: On January 1, 2015, your Benny Card will be loaded with your new plan year dollars. Please DO NOT use your card to go back and pay for any services in 2014 past the 75 days. 2014 PLAN YEAR: 75 day extension on allowable expenses with an additional 30 days to submit claims from any monies remaining from the 2014 bucket. Services must be incurred while actively employed and will be applied to the applicable plan year.

Use it or Lose it Rule after the 75 day grace period Things to remember… Choose plan election amounts carefully Use it or Lose it Rule after the 75 day grace period Contribution amounts can only be changed during the plan year due to a qualifying event (marriage or birth of a child, etc.) Expenses are reimbursed through an FSA after they are incurred; pre-payments are reimbursed as services are received Participation at any level will increase your take home pay!

We’re here to help! PLEASE DIRECT QUESTIONS TO PHILLIPS RESOURCE NETWORK, INC. OUR PHONE NUMBER AND EMAIL ADDRESS IS ON EVERY CLAIM FORM. REMEMBER BY ENROLLING IN THIS PLAN, THE MONEY YOU REDIRECT IS NOT SUBJECT TO FEDERAL, STATE, OR SOCIAL SECURITY TAXES! Every employee must complete a 2015 FLEX form even if waiving coverage or not making any changes

William Jewell College Employer Paid Benefits (All Full-Time Employees and All Regular Part-Time Employees and Adjunct Faculty who are enrolled in the Employer’s Group Health Plan) Basic Life Insurance 1 times annual salary for employees $50,000 minimum amount to $150,000 maximum Dependent Life Insurance $2,000 benefit for spouse $1,000 benefit for children from 14 days to 20 (26 if full time student) years of age Basic Accidental Death and Dismemberment $25,000 for employees Long Term Disability 60% of monthly salary to $5,000 maximum monthly benefit Payable after 120 days of disability Payable to later of age 65 or SSNRA

William Jewell College Voluntary (Employee Paid) Options (All Full-Time Employees and All Regular Part-Time Employees and Adjunct Faculty who are enrolled in the Employer’s Group Health Plan) Voluntary Life Choice of $10,000 increments of coverage for yourself not to exceed the lesser of 5 times salary or $500,000 maximum benefit for employees. Choice of $5,000 increments of coverage for your spouse not to exceed ½ of employee amount or $250,000. Choice of $5,000 increments of coverage for children after 6 months of age to a maximum benefit of $20,000. You or your spouse may elect or increase coverage by one or two increment levels on a guaranteed acceptance basis during your company’s defined annual open enrollment period, provided that you or your spouse have not been previously declined for coverage or withdrawn a previous application for coverage. Voluntary AD&D Choice of $25,000 increments of coverage not to exceed 10 times salary or $500,000 maximum benefit for the employees on the Employee Only Plan or Family Plans If elected, Spouse is provided 60% of employee amount when Children are not covered on the Family Plan. If elected, Spouse is provided 50% of employee amount and Children are covered for 10% of the employee amount (not to exceed $15,000) when all are covered on the Family Plan. If elected, Child is provided 15% of employee amount (not to exceed $15,000) if only Children are covered on the family plan. There is an annual open enrollment for coverage on Voluntary AD&D.

Eye Vision Plan Highlights Exam and Materials Plan www.eyemedvisioncare.com (Select Network)

Eye Vision Plan Highlights Materials Plan Only www.eyemedvisioncare.com (Select Network)

Voluntary Short-Term Disability Guaranteed-issue Short-Term Disability Guaranteed, renewable to age 70 Benefits paid regardless of any other insurance 3-Month Benefit for illness or off-the-job accident $500 to $3000 in monthly benefit guaranteed issue Waiting period defined by each individual’s needs Partial disability benefit Payroll deduction

Income Replacement Example Jewell employees are provided long-term disability that begins after 120 days for an illness or off-the-job accident. Aflac short-term disability can be purchased to provide income replacement for the first 90 days, reducing the income gap to only 30 days

Example: $34,000 Annual Salary Age: 18 - 49 14/14 14 calendar days waiting for an off-the-job accident 14 calendar days waiting for an illness 3 Month Benefit period Qualify for $1,700 Monthly Benefit $28.73 monthly premium

Example: $50,000 Annual Salary Age: 18 - 49 14/14 14 calendar days waiting for an off-the-job accident 14 calendar days waiting for an illness 3 Month Benefit period Qualify for $2,500 Monthly Benefit $42.25 monthly premium

Commerce Bank Special employee banking benefits No ATM fee when using the on-campus ATM located in Yates-Gill College Union

IMPORTANT Open Enrollment: November 3rd through November 21st Forms to turn in: 2015 FLEX form Any changes to other benefits* Open Enrollment: November 3rd through November 21st ALL applications and changes must be turned in no later than November 21st to the Office of Human Resources *Examples of changes include: Changing plan options Adding or Removing dependents Address or phone number changes Changing beneficiary designation If you have any additional questions please contact the Office of Human Resources.