Let’s Talk Benefits Summer Enrollment Presented by your Benefits Team: Sara Aranda, Benefits Coordinator Brittany Heim, Benefits Coordinator Tracy Willis, Benefits Manager Vickie Del Bello, Director of ER & Benefits

Summer Enrollment July 9 – July 22, 2017

DEPENDENTS DEPENDENT CHILDREN Ongoing DEPENDENT AUDIT Can be covered until the age of 26 on health insurance – regardless of marital or educational status If child is married, dental insurance, AD&D and dependent life insurance are not available. Ongoing DEPENDENT AUDIT Employees are required to submit documents to ensure dependents are eligible for coverage. Examples of Required Documents: Birth Certificates, Marriage License, Tax Returns Will be contacted by Aon Hewitt for documentation submission. If you do not provide the requested documentation to Aon Hewitt within the designated timeframe, their coverage will be cancelled.

Dental Options After tax deduction PPO Plan Can choose any dentist HMO Plan Must use dentist in HMO network Discount Plan Not an insurance plan – offers discounts from participating providers Employee Only $0.00 + Spouse $13.70 (+ $0.38) $4.80 $1.14 + Children $19.18 (+$0.54) $6.70 $1.60 + Family $32.88 (+ $0.94) $11.50 $2.70 After tax deduction

Dependent Life Insurance Optional Life Insurance SJC pays premium for 2x annual salary Evidence of Insurability (EOI) must be completed and approved if elected during summer enrollment. May elect to pay premium for 3x or 4x EOI must be completed and approved Rates are age-banded Maximum coverage amount of $400,000 Dependent Life Insurance Voluntary AD&D $10,000 - $200,000 of coverage Employee Only $0.02/$1,000 of coverage Maximum Premium: $4.00/month Employee + family $.04/$1,000 of coverage Spouse covered at 50%, children at 20% $5,000 term life policy with AD&D rider Unlimited number of dependents EOI required if elected during Summer Enrollment

Texas Income Protection Plan Short Term & Long Term Disability STD Premium $0.26/$100 of monthly salary (decrease from FY 2017) 30 day waiting period Pays up to 66% of your monthly salary for up to 5 months LTD Premium: $0.63/$100 monthly salary (paid by SJC) 180 day waiting period Pays up to 60% of your monthly salary Benefit period depends on age when you become totally disabled Must exhaust all leave EOI required if elected during Summer Enrollment

State of Texas Vision Administrator – Superior Vision Superior National Network with over 6000 providers in Texas In-Network Co-Pays Routine Eye Exam: $25.00 Contact Lens Fitting: $25.00(standard) $35.00(specialty) Frames or Contacts Allowance: $150 retail

HEALTH PLANS HealthSelect of Texas Point-of-Service Health Plan KelseyCare by Community Health Choice Kelsey Seybold HMO Health Plan Consumer Directed HealthSelect High-Deductible Health Plan(HDHP) with a Health Savings Account option(HSA)

Health Coverage Rates Employee Only $0.00 + Spouse $178.16 (+$1.32) $138.50 $160.34 (+1.18) + Children $119.30 (+$0.90) $92.74 $107.36 (+0.80) + Family $297.46 (+$2.22) $231.24 $267.70 (+$1.98)

All Health Plans Annual in-network out-of-pocket maximums $6,550 individual, $13,100 for family Includes copays, coinsurance and pharmacy deductibles $5,000 Basic Group Life Insurance for employee Vision Rider Specialist copay, includes discounts at certain providers for frames, lenses or contacts.

Tobacco User Premium Rate is dependent upon how many tobacco users or non-certified members are covered on health insurance All employees are required to certify. Choose To Quit(CTQ) program available to receive refund of tobacco fee each year. Coverage Fee You, Spouse, or Child ONLY $30 You + Spouse $60 You + Spouse + Child $90

HealthSelect of Texas Plan Effective 09/01/2017 - Blue Cross Blue Shield of Texas will be the Plan Administrator No major benefit plan changes Point-of-Service (POS) plan with direct access for eye exams, OB/GYN, occupational therapy, physical therapy and mental health care. A PCP must be selected to receive In-Network benefits. Referral is required for specialist visits.

HealthSelect of Texas Plan Effective 09/01/2017 - Blue Cross Blue Shield of Texas will be the Plan Administrator PCP Office Visit: $25 copay Specialist Office Visit: $40 copay Urgent care facility benefits $50 copay + 20% coinsurance (In-Network)

HealthSelect of Texas Plan Provider Network Changes Most current providers will continue to be in the HealthSelect network after 09/01/17. If you are currently receiving treatment from a doctor who will not be in the BCBSTX network after 09/01/17, you may apply to continue treatment with that doctor temporarily.

HealthSelect of Texas Plan Changing PCP If your current PCP on file with UHC is also in the BCBSTX HealthSelect network, the PCP information will be automatically transferred. NO ACTION IS REQUIRED. If your current PCP on file with UHC is in the BCBSTX PPO network, but not in the HealthSelect network, the PCP has been approved until an undetermined time, however could be removed by BCBS at any time.

HealthSelect of Texas Plan Changing PCP If your current PCP on file with UHC is not in the BCBSTX PPO or HealthSelect network, you will be required to select a new PCP to receive in-network benefits.

HealthSelect of Texas Plan Referrals/Prior authorizations Active referrals/prior authorizations on file with UHC that extend beyond 09/1/17 will be transferred to BCBSTX. If specialist/provider is in the BCBSTX network, claims will be honored through end date of the original referral/prior authorization.

HealthSelect of Texas Plan Referrals/Prior authorizations If specialist/provider is not in the BCBSTX network, claims will be paid until 11/30/2017 or the original end date, whichever is sooner. Specialists need to be in the BCBSTX network, not the HealthSelect network, for the benefits to continue until the original referral end date. After that, a new referral will need to be requested for a specialist in the HealthSelect network.

HealthSelect of Texas Plan Virtual Visit copay changing from $10.00 to $0.00. Out-of-Area is now called Out-of-State NO PCP required, but member will still need to use BCBSTX network providers. No deductible, will have copay for office visits. Make sure to notify BCBSTX that your dependent is living out-of-state, to be coded in the correct plan. More information coming soon and will be included in your annual enrollment guide sent by ERS by early July.

HealthSelect of Texas Plan Real Appeal – Will continue to be available Personalized program and online coaching. Success kit, online resources and mobile app. Naturally Slim – new program for BCBSTX Simple online 10-week program with videos and learning tools. Includes support and coaching for a full year. Welcome kit, weekly emails and mobile app. You can participate in both, but cannot enroll in both plans at the same time.

HealthSelect of Texas Plan New cards will be mailed by BCBSTX in August. Personal Health Assistant Dedicated call center for HealthSelect of Texas members. Line is currently active and agents are accepting calls. Can answer questions regarding plan benefits, provider information and referral status. Monday – Friday 7am to 7pm and Saturday 7am to 3pm. (800) 252-8039 www.bcbstx.com/hs (available now through August 31st)

KelseyCare Plan powered by Community Health Choice Kelsey Seybold HMO Plan Benefits similar to HealthSelect plan Available to the following counties: Brazoria, Fort Bend, Galveston, Harris and Montgomery Must use a KelseyCare network doctor $15 PCP copay $25 Specialist copay – no referral required More information at www.ERSKelseyCare.com

Prescription Drug Plan HealthSelect or KelseyCare Tier 1 Generic Tier 2 Preferred Tier 3 Brand Specific Deductible Each participant must pay a $50 annual deductible Non-maintenance drug bought at a participating retail pharmacy $10 up to a 30-day supply $35 up to a 30-day supply $60 up to a 30-day supply Maintenance drug bought at a participating retail pharmacy $20 up to a 30-day supply $45 up to a 30-day supply $75 up to a 30-day supply Maintenance drug bought through a mail order pharmacy $30 up to a 90-day supply $105 up to a 90-day supply $180 up to a 90-day supply HealthSelect deductible based on calendar year January – December KelseyCare deductible based on fiscal year September – August

Consumer Directed HealthSelect Blue Cross Blue Shield of Texas – Plan Administrator No PCP or referrals required. Must meet deductible before plan pays ANYTHING for health and prescriptions except in-network preventative care. Deductibles are based on a calendar year. If you switch, the deductibles and out-of pocket maximums will start over on January 1. Individual Family After Deductible Plan Pays In-Network $2,100 $4,200 80% Out-of-Network $8,400 60%

Health Savings Account (HSA) Available to Consumer Directed HealthSelect Members Only Administrator – Optum Bank, a subsidiary of United HealthCare Services Pre-tax contribution to assist with out-of-pocket expenses for HDHP. Must be setup BEFORE eligible expenses are incurred. Available to non-Medicare eligible employees

Health Savings Account (HSA) Available to Consumer Directed HealthSelect Members Only Cannot be covered under any other traditional health plan (i.e.. spouse or parents) Contributions and Limits for Plan Year 2018 Individual Plan Family Plan State Contribution $540 ($45 monthly) $1,080 ($90 monthly) Maximum Participant Contribution $2,810 $5,670

Because of the possibility of much higher out-of-pocket costs, you should think carefully before signing up for Consumer Directed HealthSelect. You need to understand all the costs and benefits, to know if the plan is right for you and your family. If you cannot afford thousands of dollars in upfront out-of-pocket costs before the plan starts paying for ANY covered health services and prescriptions (except preventative care), you should NOT enroll in Consumer Directed HealthSelect.

TexFlex Pre-Tax Spending Account for HealthSelect and KelseyCare participants Administrator – ADP Set up an online account Website: www.texflex-fsa.com Health Care Copays, prescriptions, coinsurance, eyewear Minimum annual contribution: $180 Maximum annual contribution: $2,544 Debit Cards will be mailed to ALL participants – No fee Dependent Care Daycare, summer camps Maximum annual contribution: $4,996 No debit card option

Limited Flexible Spending Account Available to Consumer Directed HealthSelect Members Administrator – ADP Pre-tax contribution for eligible vision and dental care ONLY Contributions Limits for Plan Year 2018 Same as TexFlex Health $180 minimum annual contribution ($15 monthly) $2,544 maximum annual contribution ($212 monthly)

Limited Flexible Spending Account Available to Consumer Directed HealthSelect Members Employees who switch to Consumer Directed HealthSelect that have $25 - $500 remaining in their TexFlex account will automatically be enrolled in the LFSA

RATE SHEET When making elections, please refer to the blue rate sheet to determine what the premium cost will be for you. Premiums listed on the ERS Summer Enrollment guide that you receive next month do not include the amount that SJC pays for. DO NOT WAIVE (these benefits are paid by SJC) Long Term Disability 2x Optional Life Insurance

Beneficiaries ERS Designation of Beneficiaries - Visit www.ers.texas.gov to update your beneficiaries. For assistance, please contact ERS directly at 1-877-275-4377. TRS Designation of Beneficiaries - Complete the TRS 15 form that can be found at www.trs.texas.gov, and submit to TRS at 1000 Red River Street, Austin, TX 78701-2698.

Additional BENEFITS

Available to All ERS Members ERS Discount Purchase Program Available to employees, retirees, and their immediate families Discounts on many products and services, from computers to theme park passes. No sign-up fee Visit today at www.discountprogramERS.com to start saving!

Retirement Savings All employees can participate in a 403(b) and/or 457 plan. Maximum annual contributions based on age are set by the IRS. Current annual maximums: Under age 50 $18,000 Over age 50 $24,000 10 Board approved vendors to choose from

Upcoming events

ERS Events Summer Enrollment Sessions 11 webinars scheduled at 11am and 2pm beginning June 21 – July 24 For more information and to register for the ERS sessions, visit www.ers.texas.gov

Items to Bring to Sessions SUMMER ENROLLMENT LAB SESSIONS District Office South Campus North Campus Central Campus Monday, July 10 A2.203 9 am – 1 pm Tuesday, July 11 S8.2058 Wednesday, July 12 N14.102 1 pm – 5 pm Thursday, July 13 C1.229 Monday July 17 Wednesday, July 19 S1.116c Thursday, July 20 N2.202 Tuesday, July 18 Items to Bring to Sessions ERS Online Username and Password Social Security Numbers and DOB for new dependents Convenient access for employees wishing to make benefit changes during annual enrollment Confirmation of elections HR-Benefits team will be available on campus to assist with questions and offer guidance regarding online benefits enrollment.

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