For Schools, By Schools.™ Take control of your health insurance budget and increase employee satisfaction through education www.meuhp.com For Schools, By Schools.™ Dr. Matt Teeter Superintendent Smithton R-VI School District

Timeline 2015 Historically, Smithton had covered the full cost of the PPO Health Plan. March - Renewal received. Superintendent capped board paid amount. During open enrollment; staff concerned board paid amount was capped. April - Special Board Meeting – increased board paid amount to PPO premium. July – New plan rates take effect; New Superintendent. August – Discusses staff/ board education with FTJ Rep November – FTJ Rep and Tom Quinn, MEUHP ED, present to Smithton’s Board

Timeline 2016 March - Renewal – receive 5% rate decrease due to moving down 1 tier. Discussion to cap board paid amount to put more money into salaries. (Levy passes) April 6th - Staff Education Meeting. Discussed reasons to lower board paid amount; educated staff members about HSA plans to take advantage of district HSA contributions. April 18th – Board votes to cap board paid amount to $430

Smithton PPO 2500 Monthly Premium Tier 2 Tier 2 2013 2014 2015 2016

2016: Smithton caps Board Paid Amount for the first time. District Board Paid Premium for health plans Amount employee pays for monthly premium

Staff Education One Day of Staff Education 7 small groups of teachers Personal experiences HSA plan education Q and As Individual Sessions

Example of Staff Education HSAs put Smithton employees in control. Pay yourself; not higher premiums

Your Annual Premium Contribution Annual Health OOP Expenses Example of Staff Education Sample Calendar Year Expenses January 1 to December 31 Charges shown are DISCOUNTED expenses based on IN NETWORK providers District contributes $430 Monthly / $5,160 ANNUALLY per employee   HSA 4000 $5,000 out-of-pocket PPO 2500 $6,000 out-of-pocket Monthly Premium Amount $345 $519 ANNUAL Premium Amount $4,140 $6,228 District PAYS $5,160 Your Annual Premium Contribution $0 $1,068 Annual District HSA Contribution $1,020 N/A 3 PCP Office Visits @ $90 $270 $90 Preventative Services Annual Health OOP Expenses + Annual premium contribution Minus HSA Payments Total SAMPLE Annual Expenses $1,158 HSA BALANCE $750 These are sample expenses only. Your actual medical services and expenses will vary Employees who contribute to their own HSA funds will also generate additional tax savings.

HSAs – Triple Tax Breaks Example of Staff Education HSAs – Triple Tax Breaks Contributions are tax-deductible (2016 max contribution: $3,350 individual; $6750 family) Interest earned is Tax-Free Tax-free withdrawals for qualified medical expenses including health, dental and vision for you and family members* Age 65…additional Retirement Account

Example of Staff Education Live Health Online See a doctor on your computer, tablet or cell phone for $49! Cough Colds Minor Rashes Allergy Ear Pain Fever Flu Headache Pinkeye 24/7 Access – 365 Days a year!

Example of Staff Education Toll-Free Nurse Line 866-647-6117 No Cost to call Available 24/7 365 days a year Add this number to your cell phone so you’ll have it when you need it.

Example of Staff Education HSA Members - New RX Benefit NO COST to HSA members for over 200 preventative RX prescriptions including: Asthma Blood Clots Diabetes Heart Health High Blood Pressure High Cholesterol Osteoporosis Stroke Formularies change frequently; check on Anthem.com for the latest listings.

Example of Staff Education Save on RX costs with generics. www.anthem.com www.morxcompare.gov www.goodrx.com.

Results of 2016 Open Enrollment Health Savings Account Plan Participation Increased Significantly Smithton School District - % of employees by plan

Reduced benefit cost 2015 (Paid 100% of PPO Premium) $532 per month X 74 ees = $472,416 annually 2016 (Capped plan for the first time) $430 per month X 74 ees - $381,840 annually

Employees benefit with Health Saving Account contributions. HSA 3000 - $67 a month. 13 employees enrolled Receiving $804 annually HSA 4000 - $85 a month. 49 employees enrolled Receiving $1,020 annually

MEUHP Average Loss Ratio by Plan Type: 2012 through 2015 Looking towards next year’s budget Migration to HSA plans will help manage overall plan costs MEUHP Average Loss Ratio by Plan Type: 2012 through 2015