Welcome to: 2018 Annual Enrollment Presentation OSU|AM Institutions

Highlights Plan Design Changes Reminders How do I enroll? 2018 Benefits Highlights Plan Design Changes Reminders How do I enroll? Helpful Resources OSU|AM Institutions

Annual Enrollment November 1 – 17, 2017 You do not have to be experiencing a qualifying event. Annual Enrollment is open to all benefit eligible employees! View benefits Change benefits Enroll in benefits Decline benefits Annual Enrollment begins on November 1st and ends on November 17th midnight Central Standard Time. As a benefits eligible employee, annual enrollment is your once chance each year to make changes to your benefit coverage for yourself and your eligible dependents. OSU|AM Institutions

Changes take effect January 1, 2018! Evidence of Insurability (EOI) changes may take effect later depending upon approval. Changes made during annual enrollment will take effect January 1st, 2018. Certain insurance plans that may require Evidence of Insurability or EOI, changes may take effect later depending on approval. OSU|AM Institutions

Health Plans Blue Edge Blue Options HDHP PPO Lower premiums Higher Premiums Lower deductible Office co-pays Blue Edge HDHP Lower premiums Higher deductible No first $ coverage HSA contributions OSU|AM Institutions

Health Savings Account HSA - Benefit Wallet Can only enroll if currently enrolled in a HDHP (BlueEdge) Cannot have an HSA and an FSA in the same calendar year OSU will contribute up to $1,000 into the HSA for employee only and those with dependents up to $1,500 annually 2018 IRS Limits Individuals - $3,450 Family - $6,900 Catch-up $1,000 annually for age 55 or older OSU|AM Institutions

Health Plan Changes Blue Edge High Deductible Health Plan (HDHP) $2,700 Individual $5,400 Family Out-of-pocket $6,650 Individual $13,300 Family OSU|AM Institutions

$10 $25 $50 $100 $150 Health Plan Design Preferred Generic Non-Preferred Generic $50 Preferred Brand $100 Non-Preferred Generic Reminder of what the Rx tiers are. $150 Specialty OSU|AM Institutions

No Cost to Employees! 290 participants in 2017 OSU|AM Institutions

Naturally Slim Program Details Criteria/Applicants Virtual 3 phase program Foundations® – 10 weeks Weekly instructional videos Dashboard Weight loss coaching/counselors NS4YouTM – 14 weeks Bi-weekly video Skill reinforcement NS4LifeTM – 6 months Monthly video Maintenance phase Criteria BCBS health plan member Employee (OSU or A&M) BMI >25 Cost/Employee Billed based on participation $560.00/max Applicants 253 applicants 240 eligible 150 applicants accepted/semester 2017 – 330 participants OSU|AM Institutions

Catapult Year Annual Amount 2013 $250 deductible credit 2014 2015 $50 Cash incentive 2016 $240 ($20/month) premium credit 2017 2018 2016 Participation BIOMETRIC CREDIT OSU 3,266 Langston 212 NEO 83 OPSU 60 Connors 94 TOBACCO FREE CREDIT OSU 4,938 Langston 272 NEO 122 OPSU 92 Connors 100 Overall - Total OSU 8204 Langston 484 NEO 205 OPSU 152 Connors 194 Over 120 clinics per year offered at all OSU and A&M institutions. OSU|AM Institutions

Health Plan Design - Premiums PPO Total Premium Institution Employee With MAX incentives (Tobacco and Biometric) Employee Only $498.76 $408.76 $90.00 $50.00 Employee + Children $897.78 $647.48 $250.30 $210.30 Employee + Spouse $1,047.40 $701.76 $345.64 $305.64 Family $1,596.04 $1,171.00 $425.04 $385.04 HDHP $503.02 $433.02 $70.00 $30.00 $880.86 $745.48 $135.38 $95.38 $1,007.20 $814.96 $192.24 $152.24 $1,470.42 $1,257.48 $212.94 $172.94 Congratulations on your healthy choices in 2017! 0% increase for 2018! OSU|AM Institutions

Dental and Vision Plans OSU|AM Institutions

Dental Plans Low Plan High Plan No Orthodontia Annual benefit level $1,500 High Plan Orthodontia for dependents up to age 19 lifetime max $2000 Adults with TMJ Annual benefit level $2,000 OSU|AM Institutions

Dental Premiums Dental - Low Plan 2017 2018 Employee Only $27.30 $30.04 Employee + Spouse $54.60 $60.06 Employee + Child(ren) $74.46 $81.92 Employee + Family $100.46 $110.52 Dental - High Plan 2017 2018 Employee Only $31.68 $34.86 Employee + Spouse $63.34 $69.68 Employee + Child(ren) $86.38 $95.02 Employee + Family $116.56 $128.22 OSU|AM Institutions

Vision Plan EyeMed Frames benefit is $150 Contact wearers can get contacts and glasses (frames) in the same year 40% hearing exam discounts OSU|AM Institutions

Vision Premiums 2017 2018 Employee Only $6.48 $6.80 Employee + Spouse   2017 2018 Employee Only $6.48 $6.80 Employee + Spouse $10.80 $11.34 Employee + Child(ren) $10.64 $11.18 Employee + Family $20.14 $21.16 OSU|AM Institutions

Life/Accidental Death & Dismemberment and Long Term Disability OSU|AM Institutions

Life/AD&D and Long Term Disability LTD and Supplemental Life Products 0% increase - three year rate guarantee Long Term Disability 60% up to $6,000 a month benefit OSU|AM Institutions

Life/AD&D and Long Term Disability Supplemental life Employee Guaranteed Issue (GI) – 2x salary up to $300,000 max - $10,000 increments With Evidence of Insurability (EOI): 5x salary, up to $750,000 Spouse GI – 1x employee salary up to $130,000 max - $10,000 increments With EOI: up to $380,000 Child(ren) $2,500 increments up to $10,000 Open Enrollment Employee – may increase by 4 increments up to GI Spouse – may increase by 1 increment up to GI During annual enrollment, Liberty Mutual will offer the guaranteed issue without EOI, even if you were previously turned down for coverage. Also, the employee supplemental life insurance guaranteed issue will increase to 2 times annual salary up to $300,000. Spouse supplemental life insurance will now be 1 times employee salary up to $130,000 guaranteed issue up to $380,000 with EOI in $10,000 increments. There will be no changes to the child life insurance increments. There are no changes to any of the supplemental life insurance premiums. OSU|AM Institutions

Reminders OSU|AM Institutions

Flexible Spending Accounts Health FSA Minimum: $120 Maximum: $2,600 Dependent Care FSA Maximum: $5,000 OSU|AM Institutions

Blue Access for Members Website Bcbsok.com Check your EOB’s Find Providers Review your Benefits Your family members names and how much of their deductible is met will be listed here! OSU|AM Institutions

Voluntary Retirement Plans 403(b) Roth 403(b) 457 TIAA Meetings – check availability at www.tiaa.org for available dates/times. OSU|AM Institutions

BenefitFocus OSU|AM Institutions

Click on this link to access your ability to make changes to your 2018 benefit elections! OSU|AM Institutions

This will reflect how many days you have left to make changes to your 2018 elections. OSU|AM Institutions

Should you need to add or edit dependents, you will be given the opportunity here. OSU|AM Institutions

Your name will be listed here! OSU|AM Institutions

Make sure you elect “Save & Continue to proceed to the next page. OSU|AM Institutions

This is a pop up message from the Benefits Team to serve as guidance throughout the process. After you read it, select “Close”. OSU|AM Institutions

Your elections will be displayed Your elections will be displayed. Should you want to change the coverage in which you’re enrolled, select “Edit Coverage”. OSU|AM Institutions

Until you are all the way through the elections, to either enroll or decline, you can select the green button but it will say “Take me to the benefits left to complete”. At the very end of the review, you can then select “Complete Enrollment” for a confirmation. OSU|AM Institutions

The rates shown will be the 2018 rates; not the 2017. If you are currently enrolled but want to decline, you can select “Edit plan” and you will be able to decline the coverage. OSU|AM Institutions

Don’t forget to “Save” at the end of every group of benefits in order to proceed to the next group. OSU|AM Institutions

Select “Begin Enrollment” to proceed through the benefit groups. OSU|AM Institutions

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Once you have made all the changes you want to make, select “Complete Enrollment”. OSU|AM Institutions

Take action! November 1 - 17 Reminders! FSA: Must reelect contribution HSA: Must reelect contribution Tobacco Affidavit: Must reaffirm BenefitFocus OSU|AM Institutions

Contact OSU|AM Institutions Benefits Take action! November 1 - 17 Questions? Contact OSU|AM Institutions Benefits 918-594-8222 Bobbie.mcpherson@okstate.edu OSU|AM Institutions