Open Enrollment FY2018 May 3 – May 19

What’s the Same… Everyone Must Elect Benefits You must actively make elections in the MyHub open enrollment event by May 19th or you will not have coverage in FY18 Available options for all Plans largely remain the same We have notable changes, which will we review on the next slide, but most of our programs remain unchanged. This open enrollment is an Active enrollment, the same as last open enrollment – meaning, you must actively elect your benefits to have coverage in FY18. This applies even if you have enrolled previously.

What’s Changing… Premium Rates and Pay Period Changes Wellbeing Premium Incentive (WPI) Tobacco Surcharge Supplemental Life Insurance Guarantee Issue Medical rates have increase, but dental and vision rates are flat. Premium deductions will be taken from 26 pays instead of 24 to ease administrative processes. Cincinnati Children’s will offer a Wellbeing Premium Incentive (WPI) to those that enroll in medical – complete a Wellbeing Assessment and receive a $10 credit towards your premium. Tobacco surcharge will apply to those employees that voluntarily attest to being a tobacco user. We no longer have “guarantee issue” on the voluntary life and AD&D insurance through Unum. You must complete an “Evidence of Insurability” form to increase coverage. We will get into more detail on each of these items.

FY18 Changes Premium Rates for Medical have Increased for FY18 Rates available on the Open Enrollment site Premium deductions will be taken from 26 pays Total Annual Premium(s) will be spread out evenly into 26 payments, for example: Rates: Medical cost have been rising and continues to rise…..Our covered population is no different – we have experienced an increase in costs greater that the national average, which is about 6%. As medical costs increase, we, as employees, will all pay more individually than we did last year. But Cincinnati Children’s is paying a higher percentage of overall premium costs to minimize the impact on you.   Premium deductions - For FY18, deductions will be taken from 26 pays instead of 24 to ease administrative processes. To be perfectly transparent in the increase here is an example of what premiums will look like between 24 pays and 26 pays Additional notes: average increase for employees is 6%, average cost for Children’s Hospital is 10% (only state if asked) FY17 24 Deductions FY18 26 Deductions HSA Advantage Single $58.18 $71.34 $65.85

FY18 Changes Wellbeing Premium Incentive (WPI) You can earn a reduction on your premium costs by completing your online Wellbeing Assessment, (questionnaire), through MyHealthPath May 1, 2017 - June 18, 2017 All Assessments will be reset just prior to May 1 By completing you will earn a $10 per pay period deduction starting with the July 14 pay FY17 24 Deductions FY18 26 Deductions Wellbeing Premium Incentive 26 Deductions with WPI HSA Advantage Single $58.18 $71.34 $65.85 - $10 = $55.85 While Rates have increased there is an opportunity for you to reduce them by taking action. You do have to opportunity to help offset the rise in premium costs by completing your online Wellbeing Assessment through MyHealthPath. The online Wellbeing Assessment must be completed between May 1, 2017 and June 18, 2017 in order to receive the WPI for FY18 – even if you have already completed the Wellbeing Assessment. (This assessment is a questionnaire only, health screening is not required.) The WPI will be applied to the July 14, 2017 paycheck. We are encouraging all employees to complete their assessment during this time even if you are not currently enrolled in the medical plan.

FY18 Changes Tobacco Surcharge Attest as Tobacco User during Medical Plan Enrollment This applies to employee only $20 additional charge per pay period Surcharge stopped upon completion of the Breathe Easy Coaching Program through MyHealthPath Tobacco Surcharge: Cincinnati Children’s is committed to fostering a safe and healthy environment in which employees are focused on taking care of themselves, each other, and the patients and families we serve. Tobacco use does not support that commitment. Effective July 1, 2017, Children’s will be applying a $20 per pay check Tobacco Surcharge to any employee who attests to being a tobacco user. Children’s will remove the surcharge upon completion of the Breathe Easy Tobacco Cessation Coaching program through MyHealthPath. Cincinnati Children’s defines “regular tobacco user” as one who uses tobacco products, such as cigarettes, cigars, chewing tobacco, snuff, dipping, pipe tobacco, or e-cigarettes, four or more days a week.

Pay Advice Sample *Above Pay Advice is a sample, this does not reflect real data and plan rates.

Supplemental Life Insurance There is no longer a Guarantee Issue for Supplemental Life Insurance and AD&D at our annual Open Enrollment No change to existing supplemental Coverages No changes to Employer-Paid Life Insurance Voluntary Life Insurance There is no longer a GI at Annual Open Enrollment. Employees who are newly enrolling at OE or increasing coverage at OE will be subject to complete an EOI . The EOI application will be emailed or mailed to the you in July. (New Hires will still have Guarantee Issue.)

Resources New! www.cincinnatichildrens.org/open-enrollment Open Enrollment FY18 site Available externally on the cincinnatichildrens.org site Accessible without logging in Detailed information on the changes and all benefits Review information with your spouse Mobile friendly HR Matters Emails with relevant Open Enrollment topics April through May There is a lot of information for this year’s enrollment with the changes. For more detailed information, please refer to the new site, which is available on the Children’s external site. Everything you need is there. If you have questions, we encourage you to contact HR4U. In order to access the Plan Selection Tool and the Drug Price Check Tool, you must go to Open Enrollment FY!8 page in CenterLink. Also, review HR Matters, which will discuss different open enrollment topics between April and the end of May. www.cincinnatichildrens.org/open-enrollment

Open Enrollment: May 3–May 19 Will also have an alert in MyHub as well as worklist items as reminders…. So how do I get started in my enrollment? Go to MyHub, click on the My Benefits tab, click on, Make Elections, then My Open Benefit Events and click ‘select’ next to open enrollment. Again, the event will not be available until May 3. Also, this is the same path to the Plan Selection Tool. A great tool to review your expenses and evaluate all of the plans we offer.

Learn More… Benefits Fairs: Attend in Person or Online to Learn More 4/25/2017 12:30p-1:30p S1.204 Supplement your Medical Plan 5/1/2017 1:00p-1:30p Sabin Prescription Benefit Overview 5/3/2017 12:00p-12:30p VM 2.020 Pre-tax Funding Accounts 12:30p-1:00p How your HSA Plan Works 5/9/2017 12:00-12:300p Take Action on Your Health 11:00a-12:00p S1.203 Estate Planning (Legal Insurance) 5/10/2017 12:00p-1:00p VM 2.010 5/15/2017 D2.24-D2.26 Attend in Person or Online to Learn More Benefits Fairs: April 24: Sabin Auditorium 6:00 AM – 4:00 PM April 25: Liberty Campus 11:30 AM – 1:30 PM

Questions Ask HR4U for Immediate Answers (MyHub) HR4U: HR4U@cchmc.org or 803-HR4U (4748) If you have a question or unable to find specific information on the open enrollment site, please utilize ASK HR4U, it is our knowledge base and can answer most frequently asked questions. If you cannot find your answer in ASK HR4U tool, please email or call HR4U.

Your Action Steps Review the Open Enrollment site www.cincinnatichildrens.org/open-enrollment Model your medical expenses on the Plan Selection Tool MyHub > My Benefits > Make Elections > Plan Selection Tool Attend the Benefits Fair April 24, 6:00 am – 4:00 pm in Sabin Auditorium Complete your Wellbeing Assessment via MyHealthPath www.myhealthpath.org MUST BE COMPLETED BETWEEN MAY 1, 2017 AND JUNE 18, 2017 Go to MyHub and enroll in Benefits MUST ENROLL MAY 3– MAY 19, 2017 TO HAVE BENEFITS IN FY18 Review Confirmation Statement Emailed to you immediately upon submitting your elections <walk through these> Lastly and we cannot stress this enough….Please remember that you must enroll in benefits online to have benefits for fiscal year 2018. If you do not go in and enroll in MyHub, you will have no insurance coverage through CCHMC for fiscal year 2018. Benefits are effective July 1, 2017. Thank you!