Open Enrollment and Wellness Update

Learning Objectives Learn about how open enrollment impacts you New rates / Compare Plans Flexible Spending Account (FSA) reminders

Learning Objectives Learn how to get paid for making smart health choices Wellness Plan – join anytime! Surgery Decision Support Gym Reimbursement (PPO Plan) Expand on Wellness for the benefit of the HRO audience

Open Enrollment New Rates / Compare Plans Health plan rate increases vary PPO individual rate increasing about 8%, and RF contribution rate unchanged at 85% single and 70% dependent share. NO CHANGE in Dental rates

Open Enrollment New Rates / Compare Plans Read details in the Benefits Bulletin, which you should receive this week. Or, online by November 1st, 2016

www.rfsuny.org/benefits, select “Benefits Publications” in Quick Links

What changes can I make? Medical, Dental and Vision Coverage Add or remove dependents Enroll in, or waive coverage Change health plans Life insurance Update beneficiary Enroll in Flexible Spending Accounts Required every year – no rollovers Maximum for health care spending is $2550 Maximum for dependent care spending is $5000 (depending on tax filing status)

Who is ConsumerMedical? Consumer Medical provides comprehensive, current, objective, and personalized information on ANY diagnosis or medical topic. Information that can help you and your family, with your doctor, make some of the most important decisions of your life. And if you need a second opinion, Consumer Medical can also identify top physician experts for any diagnosis anywhere in the U.S. As a Research Foundation employee, you are eligible to sign up for access to Consumer Medical.

ConsumerMedical for Research Foundation Employees October 25, 2016

About ConsumerMedical Founded in 1996 by David Hines, current CEO Mission statement: “To engage, educate, and empower consumers by supporting optimal healthcare decisions with compassion and excellence.” Goals of our Service: Create an active participant Increase medical literacy Improve quality of care Be a source of support We are a pioneer in treatment decision support programs offering trusted clinical expertise and personalized research, expert opinion, and advocacy support to help empower individuals to make educated decisions about their health and healthcare. 13 Proprietary and Confidential. Not to be distributed or reproduced without permission.

Your GPS for Healthcare™ ConsumerMedical helps you get the best care by guiding you through the five most important questions in healthcare:

Your GPS for Healthcare™ What do I have? Help confirming the diagnosis you’ve been given is correct. What do I need? Help understanding your treatment options and confirming that the one being recommended is the best one. Where do I go? Help getting to the leading doctors and hospitals for your care. What does it cost? Help learning how to shop for your care so you get the best quality and price, and save money. How do I connect? Help building a strong support network with your family, friends, and other patients through local and online communities.© © 2016 ConsumerMedical

ConsumerMedical Service Up-to-Date, Personalized Research Available Treatment Options Best Doctors and Hospitals Second Opinion Support and Coping Resources Surgery Decision Support Prevention and Wellness Materials

Your Guided Patient Support Team Decision Support Specialist Primary contact; provides dedicated ongoing coaching and support Researcher Curates customized, evidence- based research and information Personal preferences considered Physician Reviews all cases and research content Participates in patient/family conference calls Develops custom questions to ask doctor

Personalized Treatment Decision Support Our team of physician-led researchers will create a customized report for you on ANY medical diagnosis or procedure Customized “Questions to Ask your Doctor” Help finding a specialist Guiding participants through their healthcare journey — one decision at a time Combining trusted clinical expertise with compassionate guidance to empower individuals to make educated decisions about their healthcare

Surgery Decision Support A program that targets the following non-emergent, elective surgical procedures where two or more medically acceptable options exist and where Research Foundation employees have legitimate choices among treatment options. Low back surgery Hysterectomy Knee replacement Hip replacement Weight loss surgery Requirements for employees ($400 incentive to complete the program): Physician has recommended surgery as treatment option Enrolls with us at least 30 days prior to surgery Reviews personalized materials we provide to them and then engage with our physician-led support teams Completes a telephonic survey Did You Know? 1 out of every 4 surgeries is unnecessary* *ConsumerMedical: 2006-2010, Independently verified at claims level.

Expert Second Opinions A second opinion can be extremely valuable in making an informed treatment decision! We identify top experts in your area based on: Medical specialty Board certification Hospital and academic affiliations Standing in the medical community Office location Languages spoken Gender Insurance accepted Next available appointment

Participant Example AVOIDED UNNECESSARY TOTAL KNEE REPLACEMENT (TKR) Background: 46-year-old male diagnosed with Osteoarthritis Doctor recommended TKR ConsumerMedical: Physician-led team provided information on diagnosis, treatment options, surgical and nonsurgical, risks/benefits, pain management, role of lifestyle, and customized “Questions to Ask Your Doctor” Impact: Decided to have a least invasive procedure – hyaluronic injections Implemented lifestyle changes – diet and exercise; reports losing weight Made an informed decision; decided against TKR surgery Quality of Care Improvements: Achieved best practice, eliminated side effects of treatment, avoided an unnecessary procedure, improved wellness, quality of life, and gained peace of mind “I needed to figure out what to do and what options I had to treat the knee. I reached out to ConsumerMedical and (they) helped me through the process.” DB# 768869

Trigger Points for Referring to ConsumerMedical Research Foundation employees, insured dependents and retirees should call ConsumerMedical if they: Need help with a treatment decision Want to validate that the treatment decision they made was the right one Experience unresolved pain/symptoms Would benefit from surgery decision support Need a second opinion Are newly diagnosed and need a baseline understanding of diagnosis and treatment options

How to Get Started 1-888-361-3944 www.myConsumerMedical.com Employees and dependents can call: 1-888-361-3944 M-F 8:30 am – 11:00 pm ET 24/7 voicemail After hour calls returned within three hours the next business day Or visit our secure website: www.myConsumerMedical.com Company Code: Research Foundation

Things to Remember It is a completely free service for all Research Foundation employees, insured dependents and retirees We will educate Research Foundation employees on ANY medical topic, diagnosis, or procedure It is confidential and secure. We do not share employee information with Research Foundation or the health plan. We are a completely independent company We do not: Provide medical opinions, recommendations, or give advice Follow employees longitudinally over years Note the $25 incentive program here Find out more today! 1-888-361-3944 www.myConsumerMedical.com

Thank You! Questions? Sue Morrell Account Executive 781-499-5198 smorrell@consumermedical.com

Gym Reimbursement (PPO Plans) Earn up to $150 per family every six months Taxable benefit Must make 50 visits to gym in six month period (about twice a week) Submit reimbursement form with log printout from gym

New and Improved Virgin Pulse Program! On October 4, the Research Foundation moved to a new Virgin Pulse Platform. The new website and mobile app have greater functionality and allow you to earn points faster by participating in various activities. All HealthCash has been transferred over as PulseCash and individuals already enrolled in Virgin Pulse simply can log onto the new site using their same username and password

New and Improved Virgin Pulse Program! By completing simple healthy behaviors, you can earn up to $100 in cash or gift cards each quarter — $400 for the year.

New and Improved Virgin Pulse Program! To get started, visit join.virginpulse.com/rfsuny and complete the registration steps.

What's Your Financial IQ? During the month of November, employees will have the opportunity to take this educational challenge to have fun and learn important information about financial planning. The more you play, the better your chance of increasing your IQ. Employees who participate in the challenge will be entered for a chance to win one of three tablet computers. Check your email on November 1 for more information on how to participate in the challenge.

Retirement Reminders You can enroll in or change your election percentage for the voluntary 403B plan at any time. 403B IRS Limits 2016: $18,000 annual contribution Additional $6,000 if age 50 or over at the end of the calendar year. To Enroll: https://www.tiaa.org/

How to get more information? Employee Self Service www.rfsuny.org/selfservice Benefits Bulletin www.rfsuny.org/benefits and select the Regular Employees > Benefits Publications Quick Link Conexis 866-279-8385 https://mybenefits.conexis.com Wellness program Sign up at http://join.virginpulse.com/rfsuny

Questions from our viewers