Antioch University Open Enrollment Presentation November, 2010

Medical Benefits - What are my options? Benefit options for 2011: Anthem PPO Plan Anthem Lumenos Health Savings Account (HSA)

Your 2011 Anthem PPO Plan PPO Medical Benefits Network Benefits Deductible $400/$800 Coinsurance 85% Plan, 15% Member Out of Pocket Maximum $800/$1,600 Office Visits $20 copay Preventive Care, not Diagnostic Emergency Room $75 Urgent Care All Other Covered Expenses Deductible + 15% These benefits denote in-network coverage. Please refer to the complete benefit summary for out-of-network benefits and other benefit details which differ from the amounts noted above.

PPO Prescription Benefits Your 2011 Anthem PPO Plan PPO Prescription Benefits Retail Tier 1 $10 copay Tier 2 $30 copay Tier 3 $40 copay Mail $20 copay $50 copay $70 copay

HSA – How It Works + High Deductible Insurance Health Savings Account Protects you from big Medical bills High Deductible Insurance Helps pay your deductible Health Savings Account Plan + Tax-deductible deposits Health Savings Account Tax-deferred growth Tax-free for medical care

Opening Your Health Savings Account Banks, credit unions, insurance companies and other financial institutions are permitted to be trustees or custodians of these accounts. YOU MUST OPEN YOUR OWN HSA ACCOUNT to deposit your HSA Contributions. Account should be open before 1/1/2011. If you cannot locate a local institution willing to establish your account, try visiting www.hsainsider.com, a link recommended by the U.S. Department of the Treasury.

HSA – Who can not have one? Anyone can enroll in the HSA plan, but you can not open the HSA bank account if you are: Enrolled in Medicare Enrolled in any other health plan that is not an HSA compatible health plan Active in the military Claimed as a dependent on another individual’s tax return The IRS has specific rules on who can open an HSA.

HSA Eligible Expenses The IRS determines which health care services are eligible for reimbursement by your HSA, up to $3,050 single and $6,150 family. Examples of eligible expenses are: Medical services applied to your deductible or out of pocket maximum under your Anthem HSA plan OTC medications with a prescription Dental expenses Vision Expenses (Medical expenses incurred by or on behalf of domestic partners or their children are ineligible for tax-free reimbursement from an HSA, unless the domestic partner qualifies as a dependent under IRC section 152.) A Limited Purpose FSA can be set up for dental or vision expenses not reimbursed through HSA. Infrequently selected, this option is normally chosen when high-dollar expenses are being expected (braces, laser vision correction) and plan members want to protect their HSA dollars.

HSA Contributions Antioch University - Annual Contributions: * January: $300 Contribution, April – December: $100/mo. ** January: $600 Contribution, April – December: $200/mo. 2011 Annual HSA Contribution Maximums (includes Antioch University Contributions): Single: $3,050 Family: $6,150 Catch Up Provision for those that are 55+ is $1,000 for 2011. Employee $1,200* Employee + 1 $2,400** Employee + 2 or More

Your 2011 Anthem HSA Plan Enrolling in this plan gives you the opportunity to open a Health Savings Account (HSA) and enjoy lower payroll contributions HSA Medical Benefits Network Benefits Deductible $2,500/$5,000 Coinsurance 100% Plan, 0% Member Out of Pocket Maximum After deductible is met, rx copays apply $3,500/$7,000 Office Visits Deductible + 0% Preventive Care, not Diagnostic 100%, no Deductible Emergency Room Urgent Care All Other Covered Expenses

HSA Prescription Benefits Your 2011 Anthem HSA Plan After deductible is met, the following copays apply for all prescriptions until your copays equal $1,000 (single) and $2,000 (family) out of pocket. HSA Prescription Benefits Retail Tier 1 $10 copay Tier 2 $30 copay Tier 3 $50 copay 30 Day Supply Tier 4 25% up to $150 maximum Mail Tier 1 $75 copay $150 copay

Health Savings Account – IRS Limits for 2011 Single Family Coverage Coverage Annual HSA Contribution Max $3,050 $6,150 These limits apply to the combined employer and employee contributions Limited Purpose FSA Contribution Max $4,000 $4,000 Catch-Up Contribution $1,000 $1,000 Allowed if age 55 +

Earn Rewards – HSA Participants Only Earn gift card reward dollars for activities that contribute to your health and well-being: $50 for completing the online MyHealth Assessment (one per family) $100 for enrolling in a health coaching program for an eligible condition (per qualified family member) $200 for graduating from a health coaching program for an eligible condition (per qualified family member) $50 for completing the Healthy Lifestyles: Tobacco-Free Program (per qualified employee and/or spouse) $50 for completing the Healthy Lifestyles: Healthy Weight Program (per qualified employee and/or spouse) Our strategy with Anthem’s Lumenos plans is based on a philosophy of health improvement. We want you to first and foremost understand your health and health risk factors. That’s why we created incentives to complete the MyHealth Assessment – it’s a critical first step. The goal is to assist those with low health risk factors to stay low risk and we want those with a higher health risk level to decrease their risk factors. Most of our products include Healthy Reward incentives. Healthy Rewards incentives are used to motivate people to get healthy and stay healthy. You may earn rewards for using certain tools and services that help maintain and improve your health. Examples of Healthy Rewards incentives include rewards for completing the on-line MyHealth Assessment, enrolling and completing the Personal Coach Program, completing the Tobacco Treatment Program or the Weight Management Program. For the Health Coach Program, there are Healthy Rewards incentives for both enrolling in the program and for completing it. Incentives come in the form of gift cards that typically range from fifty dollars to two hundred dollars. Gift cards can then be redeemed at select health-focused retailers. Let’s take a look at how to redeem your Healthy Reward incentives.

Redeem Rewards – HSA Participants Only Redeem your rewards dollars for gift cards to select health-focused retailers like: Dick’s Sporting Goods Foot Locker The Athlete’s Foot City Sports And More The process is simple: Earn your reward dollars Receive a letter from IncentOne, which includes a code and password and instructions for redeeming your gift card reward online or by phone Select from available retailers and redeem your gift card reward Receive your gift card by mail You can redeem your Healthy Rewards for gift cards to the following retailers. The gift cards may be used to purchase merchandise at retail locations or online for companies with online shopping available. Bally Sports Clubs Bally Total Fitness CVS Dick’s Sporting Goods Foot Action Foot Locker HoMedics Modells.com When you earn Healthy Rewards, you receive a letter at home from our partner, IncentOne, with a unique code and password. You can then redeem the incentive online or by phone for a gift card from the above list of select retailers, and the gift card will be mailed to you. While the gift cards function just like cash to purchase merchandise from the chosen retailer, they cannot be redeemed by the retailer for cash. Healthy Rewards and redemption certificates do not expire, but the actual, redeemed gift cards could expire based on the individual terms and conditions of the selected retailer. You can save up your Healthy Rewards and redeem them at a later date for one gift card in a larger amount or split out your Healthy Rewards dollars across multiple retailers. Finally, you can give the gift card to someone else - you can even have the gift card mailed directly to someone else at the time of redemption. Gift cards constitute taxable income to the recipient. If the gift cards are used for qualified medical expenses, the individual might qualify for an itemized deduction for medical expenses. Spa Finder SportsChalet.com SportMart.com The Sports Authority Vitacost.com Dunhamsports.com Fruit of the Month Club Kids Foot Locker

Two Fundamental Questions How much do I have to pay out of my pocket when I use the health insurance plan? How much does the health insurance plan cost out of my paycheck?

How much do I pay when I use the insurance? Network Medical Benefits PPO HSA Deductible $400/$800 $2,500/$5,000 Coinsurance 15% 0% Out of Pocket Maximum After Antioch HSA Contribution $800/$1,600 $3,500/$7,000 $2,300/$4,600 Office Visits $20 copay Deductible + 0% Preventive Care, not Diagnostic 100% - No Deductible Emergency Room $75 Urgent Care All Other Covered Expenses Deductible + 15% These benefits denote in-network coverage. Please refer to the complete benefit summary for out-of-network benefits and other benefit details which differ from the amounts noted above.

How much do I pay when I use the insurance? Prescription Benefits PPO HSA Out-of-Pocket Application Copays do not apply to Out-of Pocket Max Copays apply after deductible, until $1,000/$2,000 copay max, then 100% coverage Retail Tier 1 $10 copay Tier 2 $30 copay Tier 3 $40 copay $50 copay 30 Day Supply Tier 4 See Tier 3 25% up to $150 max Mail Tier 1 $20 copay $75 copay $70 copay $150 copay

How much do I pay to have the insurance? Bi-Weekly Contributions:   PPO HSA Employee Only $57.34 $46.39 Employee + 1 $124.21 $94.65 Employee + 2 or More $185.08 $143.83 Monthly Contributions: $124.24 $100.52 $269.14 $205.08 $401.01 $311.63

Anthem’s Online Health Tools MyHealth Assessment Preventive Care Guides MyHealth Record Condition Centers Surgical Guides and Hospital Comparisons Traditional and Alternative Health Library And more Be sure to mention: The preventive care guides show you what’s recommended for people of your age and gender. You can print them and take them with you to your doctor.

Flexible Spending Account vs. HSA Health Savings Account No use-it-or-lose-it No election required Portable Use of accumulated account balance only You have total control Must be in a HDHP IRS Form 8889 Flexible Spending Account or Limited Purpose FSA Use-it-or-lose-it Claim must be filed Annual binding election Not portable Access to entire elected amount immediately Any IRS-approved health expense

Open Enrollment Procedures Review your enrollment package thoroughly. If you are making any changes to your current Anthem medical election or dental benefits administered by MedBen, you MUST complete an enrollment form. In order to participate in the FSA or Limited Purpose FSA benefits, you MUST complete an enrollment form. Forms are available in the HR Office and must be completed no later than December 3, 2010.