OPEN ENROLLMENT 2019

Presentation for January 1, 2019 CARRIER PARTNERS Medical United Healthcare Dental Delta Dental Vision Vision Service Plan Basic Life/AD&D Unum Voluntary Life & Disability American Fidelity HSA & FSA Admin American Fidelity EAP EmployeeCare Pricing Resource Compass

January 1, 2019 RENEWAL SUMMARY Medical Renewal with EPC: +7% No Plan Design Changes Dental Renewal with EPC: +5% Vision Renewal with EPC: +3%

UNITED HEALTHCARE PPO OPTION Children can be covered through the end of the month of their 26th birthday.

UNITED HEALTHCARE HSA OPTION Children can be covered through the end of the month of their 26th birthday

HEALTH SAVINGS ACCOUNT MCESC HSA Contributions $1,350 for employee only $2,500 for all others (e/s, e/c, family) MCESC Contributions are prorated throughout the year MCESC will provide a hardship advancement when approved 2019 Maximum Contributions per Calendar Year $3,500 for employee only $7,000 for all others (e/s, e/c, family) $1,000 catch up contribution if age 55+ Maximums include any employer contribution

HSA REMINDERS Eligibility Eligible Expenses WHO IS ELIGIBLE FOR AN HSA? ANY INDIVIDUAL WHO: Is covered under a High Deductible Health Plan Is NOT covered by any first dollar health coverage Is NOT enrolled in Medicare / Medicaid / Tricare Is NOT claimed as a dependent on someone else’s tax return Is NOT participating in a Full Flexible Spending Account (FSA) Eligible Expenses HSA dollars can be used on medical, Rx, dental, and vision expenses If funds are misused you could be subject to applicable taxes and 20% penalty Keep Receipts in case of an IRS audit

All contributions are pre-tax No change in board contributions WELLNESS COMPLIANT MEDICAL CONTRIBUTIONS MONTHLY All contributions are pre-tax No change in board contributions 85% Single / 80% All Others PPO Plan 2018 2019 Coverage Type Employee Pays (with screenings) Board Pays Total Monthly Premium Employee $94.55 $535.80 $630.35 EE + Spouse $277.36 $1,109.42 $1,386.78 EE + Child(ren) $232.99 $931.96 $1,164.95 Family $389.55 $1,558.22 $1,947.77 Coverage Type Employee Pays (With Screenings) Board Pays Total Monthly Premium Employee $101.17 $573.31 $674.48 EE + Spouse $296.77 $1,187.09 $1,483.86 EE + Child(ren) $249.30 $997.20 $1,246.50 Family $416.82 $1,667.30 $2,084.12

All contributions are pre-tax No change in board contributions WELLNESS COMPLIANT MEDICAL CONTRIBUTIONS MONTHLY All contributions are pre-tax No change in board contributions 85% Single / 80% All Others HSA Plan 2018 2019 Coverage Type Employee Pays (with screenings) Board Pays Total Monthly Premium Employee $75.64 $428.64 $504.28 EE + Spouse $221.89 $887.54 $1,109.43 EE + Child(ren) $185.58 $742.31 $927.89 Family $310.64 $1,242.55 $1,553.19 Coverage Type Employee Pays (With Screenings) Board Pays Total Monthly Premium Employee $80.94 $458.64 $539.58 EE + Spouse $237.42 $949.68 $1,187.10 EE + Child(ren) $198.57 $794.27 $992.84 Family $332.38 $1,329.54 $1,661.92 Decision Support Tool Available Meetings with McGohan Brabender Available

PLAN COMPARISON PPO Plan HSA Plan Best Case Scenario: You only go to the doctor for Preventive Visits at no cost PPO Plan HSA Plan Coverage Tier EE Premium (Yearly) Employee $1,214.04 EE + Spouse $3,561.24 EE + Child(ren) $2,991.60 Family $5,001.84 Coverage Tier EE Premium (Yearly) Employee $971.28 EE + Spouse $2,849.04 EE+ Child(ren) $2,382.84 Family $3,988.56 Difference $242.76 $712.20 $608.76 $1,013.28 2019 Coverage Tier Board HSA Contribution EE Only $1,350 ES, EC, FAM $2,500 *Premium shown is calculated using the wellness compliant rates

PLAN COMPARISON: OPTION 2 Worst Care Scenario: You and your family have a catastrophic year and you meet your Medical Out of Pocket Maximum HSA Plan PPO Plan Coverage Tier EE Premium (Yearly) Out of Pocket Max Total Employee $1,214.04 $2,700 $3,914.04 EE + Spouse $3,561.24 $5,000 $8,561.24 EE + Child(ren) $2,991.60 $7,991.60 Family $5,001.84 $10,001.84 Coverage Tier EE Premium (Yearly) Out of Pocket Max Board HSA Contrib Total Employee $971.28 $2,700 ($1,350) $2,321.28 EE + Spouse $2,849.04 $5,000 ($2,500) $5,349.04 EE + Child(ren) $2,382.84 $4,882.84 Family $3,988.56 $6,488.56 Difference $1,592.76 $3,212.20 $3,108.76 $3,513.28 *Premium shown is calculated using the wellness compliant rates

When to use a virtual visit VIRTUAL VISITS See and talk to a doctor from the comfort of your own home Doctors can write a prescription and send to your local pharmacy Available 24/7/365 It’s part of your health benefits Register at myuhc.com When to use a virtual visit Allergies Bronchitis Cough/cold Fever Pink Eye Rash Sinus Problems Sore Throat More! $25 for PPO Members $49 for HSA Members

SURCHARGES Preventive Screenings MCESC will continue to administer a $50 monthly surcharge to your health insurance premium if you are not compliant with a preventive screening. These screenings took place on site. If you did not attend you can go to your primary care doctor. Spousal Surcharge If you are married and your spouse has group health coverage available through his or her employer, your spouse will only be allowed to enroll in the MCESC group health plan if you agree to pay a $100 monthly surcharge. Leave this in here? Any changes?

DENTAL INSURANCE- DELTA DENTAL Wisdom Teeth -(Oral Surgery Extractions)- Covered as Basic Endodontics – tooth pulp and tissue (root canal)- Covered as Basic Periodontics – disease of gum tissue (deep cleaning)- Covered as Basic To find a Delta provider, visit deltadental.com Delta Provider Network: Delta Dental PPO & Delta Dental Premier Children can be covered through the end of the month of their 26th birthday

All contributions are pre-tax No change in board contributions DENTAL CONTRIBUTIONS MONTHLY All contributions are pre-tax No change in board contributions 80% Board / 20% Employee 2018 2019 Coverage Type Employee Pays Board Pays Total Monthly Premium Employee $5.50 $22.00 $27.50 EE + Spouse $11.58 $46.31 $57.89 EE + Child(ren) $11.55 $46.20 $57.75 Employee + Family (Non-Union) $15.95 $63.82 $79.77 Employee + Family (Union) $24.77 $55.00 Coverage Type Employee Pays Board Pays Total Monthly Premium Employee $5.78 $23.10 $28.88 EE + Spouse $12.16 $48.62 $60.78 EE + Child(ren) $12.13 $48.51 $60.64 Employee + Family (Non-Union) $16.75 $67.01 $83.76 Employee + Family (Union) $28.76 $55.00 For Union staff, the board maximum contributions is $55.00

VISION INSURANCE- VISION SERVICE PLAN (VSP) To find a VSP provider, visit vsp.com or call 800.877.7195 VSP Provider Network: VSP Signature *LensCrafters is out-of-network Children can be covered through the end of the month of their 26th birthday

All contributions are pre-tax No Change in board contributions VISION CONTRIBUTIONS MONTHLY All contributions are pre-tax No Change in board contributions 0% Board / 100% Employee 2018 2019 Coverage Type Employee Pays Employee $9.21 Employee + Family $21.55 Coverage Type Employee Pays Employee $9.48 Employee + Family $22.20

COMPASS LIFE/AD&D INSURANCE – UNUM Basic Life/AD&D Insurance $60,000 paid by Board COMPASS No Cost to the Employee/ Available to anybody that is eligible for benefits Healthcare costs vary by 300% locally. The same CT scan costs $500 to $1,500 depending on where you go A patient-advocacy firm that can lower your healthcare costs by shopping for you All providers are board certified and accredited Dedicated representative: Erin Vardas (800)513-1667 x430 or erin.vardas@compassphs.com

Enrollment for Medical, Dental, Vision, & Life STEPS… https://epc-online.benelogic.com First initial, last name and last 4 of SSN (Jdoe1234) Last four digits of your SSN (1234) Click “GO” on your home page and it will walk you through the process They termed ESAssist and now using American Fidelity with Benelogic

Health Savings Account Flexible Spending Account Individual Voluntary Life Short and Long Term Disability Critical Illness Accident Cancer

REMINDERS Open Enrollment October 15th – October 31st All Medical, Dental, Vision, & Life Beneficiary elections must be completed in Benelogic All other elections must be completed in American Fidelity’s Enrollment System All benefit choices must be completed in the appropriate online system by October 31st It is the employee’s responsibility to terminate dependents at the appropriate time

QUESTIONS?