Open Enrollment for 2018 Benefits and Wellness

Overview Medical Plan Changes Dental & Vision Updates Flexible Spending Accounts Supplemental Insurance Wellness – AWC (Jiff) & WTA

Medical Plan Changes Kaiser $10 co-pay plan is ending on December 31, 2017 195 of us are on this plan 195 MUST change plans Still have Kaiser PPO plan and Regence 250 plan Adding new 3rd plan option for January 1, 2018: Kaiser 200

Definitions Network: The facilities, providers and suppliers your health insurer has contracted with to provide services. Co-insurance: Your share of the cost of a covered service, calculated as a percent (for example, 10%) of the allowed amount for this service Copayments: A dollar amount (for example, $20) you pay for a covered health care service, usually when you receive the service. Deductible: The amount you owe (for example, $250) for covered health care services before your health insurance begins to pay. The deductible may not apply to all services. 4th Quarter Carryover: Any portion of your annual deductible that is met during the last three months of the calendar year also applies to the deductible for the following year.

New Kaiser 200 Plan AWC Video Link $200 Deductible ($400 per family) Some exceptions First 4 office visits Prescriptions First $500 in labs 4th quarter carryover Copay & coinsurance $20 copay 10% coinsurance Not applied toward deductible Out of pocket maximum $2500 per person or $5000 per family Labs, X-rays and other diagnostics First $500 covered Additional services subject to deductible Hospital Care 10% coinsurance for facility charges and physician services Emergency Room $75 copay & 10% coinsurance Copay waived if admitted Outpatient rehabilitative therapy 60 visits for massage & physical therapy Spinal manipulations: 10 visits Acupuncture: 8 visits $20 copay 10% co-insurance Prescriptions Generics $10 Preferred Brand $20 Non-preferred brand $40

WTA EMPLOYEE MEDICAL PLAN CONTRIBUTIONS 3 Medical Plans to Choose from for 2018 Regence 250 Kaiser 200 Kaiser PPO See plan comparisons for details of coverage WTA EMPLOYEE MEDICAL PLAN CONTRIBUTIONS   Regence Kaiser Permanente Wellness Non-Wellness Employee Only $ 100.00 $135.00 $ 37.50 $ 72.50 Employee + Spouse $ 130.00 $165.00 $ 67.50 $102.50 Employee + Child Employee + Children Employee, Spouse + Child $150.00 $185.00 $ 87.50 $122.50 Employee, Spouse + Children

Regence 250 Kaiser 200 Kaiser PPO Deductible: $250 ($750 per family) Out-of-Pocket Maximum: $3,000 per person ($6,000 per family) Typical patient responsibility: 10% coinsurance Preventative care: covered 100% for in-network Emergency room: $75 co-pay then 10% coinsurance Prescriptions: Generic: $5 NameBrand Formulary: $25 NameBrand NonFormulary: $50 Specialty Medications: $100 Kaiser 200 Deductible: $200 ($400 per family) Out-of-Pocket Maximum: $2,500 per person ($5,000 per family) Typical patient responsibility: $20 co-pay then 10% coinsurance Preventative care: covered 100% for in-network Emergency room: $75 co- pay then 10% coinsurance Prescriptions: Preferred Generic: $10 Preferred Brand: $20 Non-Preferred: $40 Kaiser PPO Deductible: $250 ($750 per family) Out-of-Pocket Maximum: $2,500 per person ($5,000 per family) Typical patient responsibility: $10 co-pay - primary care/$20 co-pay - specialist some services -10% coinsurance Preventative care: covered 100% for in-network Emergency room: $150 co- pay then 10% coinsurance Prescriptions: Preferred Generic: $10 Preferred Brand: $35 Non-Preferred: $70 Please see the plan summaries for full details. This is not inclusive information.

Pick your medical plan for 2018 If you are currently enrolled in the Kaiser $10 copay plan AND You want to be on the Kaiser 200 Plan Print and sign your name on the Kaiser 200 list in HR or at the optional evening meetings If you do not make a selection by November 17th you will be defaulted to the Kaiser 200 plan You want to be on the Kaiser PPO Plan or the Regence Plan Fill out a full enrollment form to make the change If you are currently enrolled in the Kaiser PPO plan or Regence plan You want to switch to a different plan You want to stay on that plan No need to fill out an enrollment form

Do you waive medical coverage for your spouse or child(ren)? Bring in a copy of their insurance card to HR to verify other coverage Are you adding or dropping your spouse or child(ren) to/from your health benefits? Fill out a new enrollment form for 2018

Other Plan Updates LTD(non-CDL positions): Dental remains unchanged VSP Vision: Increase in annual frame allowance from $120 to $150 on first and second pair LTD(non-CDL positions): Increase benefit maximum from “to age 65” to “Social Security Normal Retirement Age (SSNRA)”

Flexible Spending Account Navia Benefit Solutions Tax deferred Total annual election amount deducted in equal increments from each paycheck throughout the year Health Care FSA Maximum Amount: $2500 Common Eligible Expenses: Prescription drugs, copays and coinsurance, deductibles, office visits, dental work, orthodontia, chiropractic, massage etc… Day Care FSA Maximum Amount: $5000 Common Eligible Expenses: Child care, preschool, before and after school care, day camps etc… Does not automatically re-enroll. You MUST re-enroll each year to keep this benefit

Colonial Supplemental Benefits. -Brian Burkhart, Benefits Counselor Colonial Supplemental Benefits -Brian Burkhart, Benefits Counselor Contact phone: 360.927.3449 Colonial Supplemental Benefits includes a variety of benefit choices to suit your needs. Disability Insurance - Replaces a portion of your income if you miss work as a result of a covered accident or sickness Accident Insurance - Helps offset unexpected medical expenses that can result from a covered accident. Cancer Insurance - Helps offset the out-of-pocket medical and indirect non-medical expenses related to cancer diagnosis and treatment, including benefits for specified cancer screening tests. Critical Illness Insurance - Pays a lump sum benefit upon diagnosis of a covered critical illness such as heart attack (myocardial infarction), end stage renal failure, coronary artery bypass surgery, stroke or major organ failure, permanent paralysis, coma, blindness, etc Life Insurance - Helps protect your family in the event of an unexpected death Find out more about all of the benefits available to you during your Whatcom Transportation Authority Benefits Enrollment.

How are we going to STAY HEALTHY?

Employees and spouses get a $35 reward for completing required steps Wellness Program Participation saves you $35 per month on your medical premium contributions. Required: Register for Jiff Complete Health Assessment Print or email completion certificate Covered spouses must also complete required steps Employees invite spouses by entering email while signed in to Jiff Employees and spouses get a $35 reward for completing required steps Deadline: November 17th

Wellness Program Optional in Jiff: WTA offers even more! Tracking food Tracking steps Tracking sleep Coaching – Telephonic or Digital WTA offers even more! Don’t forget about your wellness calendars, participating in campaigns and saving those receipts For those enrolled for 2017 Reimbursement forms will be due January 15th Up to $180 per covered employee/spouse for July - Dec 2017

Get Fit for the Feast Starts TODAY! Sign up in HR and get tracking packet Set a goal and track your activities Complete and earn $120 toward wellness reimbursement

Action Items Choose a medical plan and fill out appropriate paperwork (if changing) Verify other coverage of waived spouse/dependents Enroll or re-enroll in Flexible Spending Account Enroll in Wellness Program through JIFF Sign up for Fit for the feast Consider Supplemental Insurance

Attend an Optional Informational Meeting Monday, November 6th @ Ferndale WECU Community Room 5:30pm - 8:00pm Karissa from AWC will be there to help answer questions Wednesday, November 8th @ MOAB Training Room 5:00pm - 8:00pm Open House style so spouses are encouraged to attend and kiddos are okay too

AWC Healthy Decisions – Take Care of Yourself! http://www.awcnet.org/elearning/healthydecisions/takecareyourself/story. html

Team WTA – Jingle Bell Run December 9, 2017