State of Colorado Benefits Coverage Dates July 1, 2015 – June 30, 2016

Open Enrollment Dates April 14, 2015 – May 14, 2015

Topics for Discussion Mandatory Enrollment Eligibility Premiums Medical Plan Overview and Changes Dental Plan Overview Basic Life Insurance Optional Life Insurance Short- and Long-Term Disability Health Savings Accounts Flexible Spending Accounts Voluntary Retirement Plans

On-line Enrollment MANDATORY PARTICIPATION! You may add/drop/change plans, add/drop dependent(s), or enroll in or continue a flexible spending plan(s) or make changes to Optional Life If you do not wish to participate in one or more plans you still must “Waive Coverage” in Benefitsolver All enrollments/changes must be done through the State’s online benefits administration system: Please take this opportunity to review your plans, qualified dependents, and beneficiaries! Access is available from work, home, or HR if assistance is needed

Qualifying Events A qualifying event is an IRS approved change in status which allows a change in benefits outside the open enrollment period Typical qualifying events are birth of a child, marriage, divorce, and loss of coverage The change in definition of a dependent will mean that qualifying events will be very limited. (2011) Marriage of a child will no longer be a qualifying event Change in the child’s financial dependence will no longer be a qualifying event Change in residence will no longer be a qualifying event Qualifying events must be processed in Benefitsolver within 31 days of the event. Contact HR for assistance

Eligibility Dependents Requirements as of 07/01/2011 Spouse (same or opposite sex), common-law spouse, SGDP or civil union partner An employee’s, spouse’s, SGDP or civil union partner’s children through the month in which they turn 26 Marital status, financial status, dependent status, or place of residence do not affect children’s eligibility

Eligibility Same Gender Domestic Partners Effective July 1, 2010, same gender domestic partners and dependents of same gender domestic partners are eligible for Medical and Dental Insurance, Optional Life Insurance, Health Care Flexible Spending, and Dependent Care Flexible Spending. Definition-Same Gender Domestic Partner (SGDP) Must be at least 18 years of age Same gender as the employee Shared an exclusive relationship with the employee for a minimum of one year with the intent for the relationship to last indefinitely. Not married to another person Check with the Benefits Office for documentation requirements

Eligibility Civil Union Partners Civil Union Partners and dependents of civil union partners are eligible for Medical and Dental Insurance, Optional Life Insurance, Health Care Flexible Spending, and Dependent Care Flexible Spending.

Documentation Requirement Proper documentation will be required for any spouses, common-law spouses, SGDPs, or dependents added during open enrollment. Documents include signed affidavits with supporting documentation for common law marriage and Same Gender Domestic Partnerships Spouses and dependents will require birth and marriage certificates Proof of marital status is also required A full listing of requirements is available on the State’s benefits web page Documentation must be provided to the CSM HR Office or DPA Benefits Office

Patient Protection and Affordable Care Act The State of Colorado medical plans meet the minimum essential coverage and affordability standards set by the ACA Remember, most individuals will need to have health insurance in 2015 or face a possible financial penalty. For more information:

Plan Definitions HMO means Health Maintenance Organization (Closed Network) HDHP means High Deductible Health Plan HDHP means High Deductible Health Plan PPO is a Preferred Provider Organization PPO is a Preferred Provider Organization HSA is a Health Savings Account HSA is a Health Savings Account FSA is a Medical or Dependent Care Flexible Spending Account FSA is a Medical or Dependent Care Flexible Spending Account Deductible is the amount paid out-of-pocket before benefits become payable. However, you may have access to co-payment based services without satisfying the deductible Deductible is the amount paid out-of-pocket before benefits become payable. However, you may have access to co-payment based services without satisfying the deductible EOI is Evidence of Insurability (Medical Questionnaire) EOI is Evidence of Insurability (Medical Questionnaire) UHC is United Healthcare UHC is United Healthcare

Plan Definitions Co-insurance is a percentage amount paid for services. For instance if your co-insurance is 10% the insurance company pays 90% of the bill and you pay 10%. Co-insurance payments normally count toward your deductible Co-insurance is a percentage amount paid for services. For instance if your co-insurance is 10% the insurance company pays 90% of the bill and you pay 10%. Co-insurance payments normally count toward your deductible Co-pay is a flat dollar amount paid for services regardless of the cost of those services. For instance $30 co-pay for an office visit. Co-payments do not usually apply to the deductible Co-pay is a flat dollar amount paid for services regardless of the cost of those services. For instance $30 co-pay for an office visit. Co-payments do not usually apply to the deductible Out-of-Pocket Maximum (OPM) The most you will pay for covered services. Once you reach the OPM the plan will pick up 100% of the costs Out-of-Pocket Maximum (OPM) The most you will pay for covered services. Once you reach the OPM the plan will pick up 100% of the costs

Premiums Employee contributions for medical have increased or decreased depending on the plan. The State contributions towards medical insurance has increased Employee and State contributions for dental insurance have remained the same Optional Life insurance rates remain the same Long Term Disability rates have changed

Co-Pay Plans Rules of the Road The State of Colorado has two co-pay based plans. The Co-Pay Choice Plus (UHC) and the Kaiser DHMO Deductibles can be met on an individual basis You do not need to meet the deductible to use the co-pay based services such as office visits or pharmacy services Co-pays do not count toward meeting your deductible Some services under these plans require co-insurance Co-insurance generally does count toward your deductible Most co-pays and co-insurance count toward your OPM

State of Colorado PPO (UHC) Co-pay Choice Plus In-NetworkOut-of-Network Deductibles Employee Family $1,500 $3,000 $6,000 Out-of Pocket Max Employee Family $5,000 $10,000 $20,000 Preventive Care$050% Primary Care Office$3050% Specialist Office$5050% Emergency Room$500 Out-Patient Surgery20% + Deductible50% In-Patient Hospital $1,000 co-pay + 20% No Deductible 50% Pharmacy – 30 Day$10/$30/$50 Mail Order – 90 Day$25/$75/$125Not Covered

Kaiser DHMO In-NetworkOut-of-Network Deductibles Employee Family $750 $1,500 n/a Out-of Pocket Max Employee Family $2,000 $4,000 n/a Preventive Care$0Not Covered Primary Care Office$ % (services)Not Covered Specialist Office$ % (services)Not Covered Emergency Room$500 Out-Patient Surgery10% + DeductibleNot Covered In-Patient Hospital10% + DeductibleNot Covered Pharmacy – 30 Day$10/$30Not Covered Mail Order – 90 Day$20/$60Not Covered

High Deductible Health Plans Rules of the Road The State offers two HDHP plans one administered through UHC and one insured through Kaiser You must satisfy the entire deductible before the plan pays for any services including pharmacy Services with the exception of pharmacy are based on co-insurance Co-insurance generally counts toward your deductible Most co-pays and co-insurance count toward your OPM

State of Colorado (UHC) High Deductible Health Plan In-NetworkOut-of-Network Deductibles Employee Family $1,500 $3,000 $4,500 $9,000 Out-of Pocket Max Employee Family $3,000 $6,000 $9,000 $18,000 Preventive Care$050% Primary Care Office20% + Deductible50% Specialist Office20% + Deductible50% Emergency Room20% + Deductible$500 Out-Patient Surgery20% + Deductible50% In-Patient Hospital20% + Deductible50% Pharmacy – 30 Day $10/$30/$50 + Deductible Mail Order – 90 Day $25/$75/$125 + Deductible Not Covered

Kaiser High Deductible Health Plan In-NetworkOut-of-Network Deductibles Employee Family $1,500 $3,000 $6,000 Out-of Pocket Max Employee Family $2,000 $4,000 $8,000 Preventive Care$0Not Covered Primary Care Office10% + DeductibleNot Covered Specialist Office10% + DeductibleNot Covered Emergency Room10% + Deductible Out-Patient Surgery10% + DeductibleNot Covered In-Patient Hospital10% + DeductibleNot Covered Pharmacy – 30 Day $10/$30 + Deductible Not Covered Mail Order – 90 Day $25/$75 + Deductible Not Covered

United Healthcare and Paladina Health Available to employees and family members enrolled in the United Healthcare Co-Pay Choice Plus or HDHP Plans Primary Care Clinics: 9 locations including 6 in the Denver Metro Area Same and next day urgent appointments No co-pay charge for Co-Pay Choice Plus members No co-insurance for HDHP members once the deductible is satisfied Many services and labs can be preformed on site Certain prescriptions can be filled in office at a lower cost than through a pharmacy 24/7 access to your personal physician via their personal cell phone State of Colorado pays the membership fees You must register at or by calling www.paladeniahealth.com/colorado

Vision Benefits Vision Care Exam Vision exams are covered through medical insurance and may be subject to deductibles, co-pays, or co-insurance. Contact lens exams are normally subject to additional charges Hardware UHC Plans: $25 materials co-pay plus $130 frames allowance every two years. Contact Lenses $150 every two year. Must use in- network provider Kaiser: $150 every two years (Kaiser Optical Department)

United Healthcare – UHC Members Website Online Health Assessment Health Discount Program Allows members to enjoy a 10%-50% discount on qualifying health and wellness purchases 24 Hour NurseLine Services Health and Wellness programs including healthy pregnancy, weight management, healthy back programs, and more Online treatment cost estimator Quicken Health Expense Tracker - UHC Non- Member website Paladina Health or www.paladinahealth.com/colorado

Kaiser – Kaiser Members Website My Health Manager Request/View appointments Refill prescriptions View and learn about test results Communicate via secure with your health care providers! Complete a personal health assessment Estimated service costs Online programs for weight-loss, fitness, nutrition, and more Information about medical conditions and prescription drugs

Making A Choice Things to Consider What types of services do you normally use? Office visits, a couple of E.R. visits a year or just preventive care? Do you have major surgery planned in the next year? What is your risk tolerance? Remember you have an Out-of-Pocket Maximum. HDHP plans may have a lower OPM Look at the difference in the cost of premiums. Not just for a single month but over the course of a year Would you have funds available to cover the deductible if needed on a HDHP? Could you contribute to an HSA or Flex account to cover deductibles? Consider using United Healthcare and Kaiser’s online tools to estimate expenses for particular services. Look at your current EOB’s (if available) for the cost of frequent services

Benefitsolver MyChoice When you start the Open Enrollment process in Benefitsolver you will have an option to click on the MyChoice tool MyChoice will ask you a series of questions related to your health and your family member’s health if applicable Using this information it will make plan recommendations for you You must still select a plan and enroll. You don’t have to choose the MyChoice recommendation

Medical Insurance Supplement Program A program designed to offer financial assistance in covering medical premium costs for low-income state employees with at least one eligible child Must have a 2014 calendar year household income three time (3x) or less of the federal poverty level Complete details and tables available on the State of Colorado’s Employee Benefits web page All applications must be filed online (State’s website) and completed by May 14th Contact Human Resources if you need assistance scanning documentation or with the application process

Dental Plan Highlights Basic and Basic Plus Plans Composite fillings (white fillings) are now covered for all teeth (2011) Necessary dental implants are now covered (2012) Members with certain health conditions are eligible for cleanings up to 4 times per year if deemed necessary. Conditions include pregnancy, cardiovascular disease, diabetes, kidney failure, and suppressed immune system. Verification of a covered condition from a physician will need to be on file with the dental office.

Dental Plan Highlights Basic and Basic Plus Plans Delta Premier Dentists are now considered In- network (2012) No balance billing when using a Premier Dentist If you are currently using a Premier Dentist you should see your costs decrease Premier dentists have a higher contract rate than PPO dentists. If co-insurance applies it is still usually less expensive to use a Delta PPO Dentist

Dental Plans Both the Basic and Basic Plus plans cover in-network preventive care twice a year at no charge Reminder! Preventive care costs will no longer count toward the annual maximum benefit! Basic Maximum $1000 annual benefit per person Deductible $50 Employee / $150 Family Basic Plus Maximum $2000 annual benefit per person Additional Orthodontia benefit Deductible $50 Employee / $150 Family For the greatest cost savings use a Delta PPO dentist

Delta Dental EyeMed Vision Care Discount Program Available for employees and dependents enrolled in a Delta Dental Plan Offers discount exams and hardware through designated providers

Basic Life New! Coverage is 1x base salary or $50,000 whichever is greater Mines will continue to pay this premium You are encouraged to check your beneficiaries

Optional Life Optional Life is available for employees, spouses, and same gender domestic partners through Minnesota Life Employees are eligible for up to $500,000 in increments of $10,000 Spouses and same gender domestic partners are eligible for up to 50% of the amount elected by the employee Different rates for employees and spouses Children are eligible for either $5,000 or $10,000 in coverage Employees, spouses, and SGDPs must complete the Evidence of Insurability form and submit to Minnesota Life. Enrollment is now available year round Evidence of insurability is required if you are increasing your elected amount or enrolling for the first time during O.E! Make sure to click on the Minnesota Life link during your Benefitsolver registration session to complete the EOI questionnaire

Optional Life Child (Dependent) Life Child Life is available for dependent children and dependent children of SGDPs Employee must be enrolled in Optional Life Dependents are only eligible for coverage through the month in which they turn 26 All dependents are covered for one flat rate No evidence of insurability is required for children All children covered under Child Life must be listed as dependents in Benefitsolver and enrolled under the dependent life plan

Life Insurance Additional Benefits Available to employees with Basic Life and/or Optional Life insurance through Minnesota Life Travel Assistance Helps coordinate care during medical emergencies if you are more than 100 miles from home. Includes locating doctors offices, hospitals, replacement of lost/stolen prescriptions, eyeglasses, repatriation services, plus much more. Not a substitution for medical/dental insurance

Life Insurance Additional Benefits Continued Will Preparation and Legal Services Free 30 minute consultation with an attorney plus legal referrals Create legally valid wills, financial power of attorney, and living wills online Download legal forms Legal Information Library Financial Counseling for Beneficiaries Receive free independent and objective financial counseling Information on these services is available on the Department of Personnel and Administration’s website

Short Term Disability The State has a new disability insurance carrier, Unum There are no changes to the Short-Term Disability plan (6 month coverage) and Mines continues to pay the full premium.

Long Term Disability You insure your car and your house are you insuring your income? New carrier, Unum During this Open Enrollment period only anyone can enroll in LTD coverage. No evidence of insurability required! 3/12 exclusion period Individuals enrolled currently in The Standard’s policy will not have an exclusion period and enrollment will transfer to Unum Rates have changed many people will pay less Reduced rates for vested employees More flexible than PERA’s definition of Disability Retirement including long-term partial disability Exclusions and limitations apply

Health Savings Accounts (HSA) Allows you to use pre-tax dollars to pay for qualified medical expenses as they occur or to save for qualified expenses in the future Unused funds roll over from year to year To be eligible you must be enrolled in an HSA qualified plan HDHP with HSA (United Healthcare) HMO High Deductible Health Plan (Kaiser) Health Savings Accounts can be arranged through financial institutions including the Credit Union of Colorado The School of Mines does not offer salary deduction for HSAs however, you may be able to direct part of your paycheck to your HSA account through direct deposit

Flexible Spending Accounts Healthcare Flexible Spending allows you to deduct money on a pre-tax basis from your paycheck to pay for unreimbursed medical expenses such as deductibles, co-pays, eye glasses, and dental care Dependent Care Flexible Spending allows you to deduct money on a pre-tax basis to pay for qualified child care expenses. This account does not cover medical expenses for children/dependents Both plans lower your taxable income by the amount contributed to the plans!

Flexible Spending Accounts The maximum contribution for the Healthcare Flexible Spending Account is $2,550 Remember, if your spouse is eligible for a flexible spending account through their employer, they may also be able to deduct up to $2,550

Flexible Spending Accounts Important! You must re-enroll in flexible spending accounts each year during open enrollment Healthcare FSA maximum annual contribution is $2,550 Dependent Care FSA (does not cover medical expenses) annual contribution is $5,000 per family Money not used during the plan year is forfeited for the Dependent Care FSA and all but $500 for the Healthcare FSA (starting June 30, 2015) Starting January 1, 2011, over the counter medications will not be reimbursable under flexible spending without a prescription

Flexible Spending Account Starting June 30, 2015, you can rollover up to $500 in unused Healthcare Flex dollars into the next plan year A Debit Card is available for Healthcare Flexible Spending Accounts!.50 cent charge per month deducted from your flex account balance Eliminates the filing of most claim forms Does not relieve you of record keeping responsibilities – Keep your Documentation!

Flexible Spending Account Changes A “Limited Purpose” Healthcare Flexible Spending Account has been added (2014). Allows individuals contributing to a Health Savings Account (HSA) to contribute to a Healthcare Flexible Spending account to cover dental and vision expenses

Voluntary Retirement Plans It is never too early or late to start saving for retirement! The School of Mines offers a variety of voluntary pre- tax retirement plans including: The PERA 457 Deferred Compensation Plan The PERA 401(k) Plan The 403(b) plan which is available through four vendors Pre-tax contributions do not lower your highest average salary as calculated by PERA The Roth 403(b) (post-tax) plan which is available through three vendors

Voluntary Retirement Plans You may enroll in a voluntary retirement plan at any time Contact Human Resources for plan information Enrollment forms should be sent to the vendor Contact Human Resources or Payroll for a salary deduction form

Enrollment Tips All dependents in Benefitsolver will need to have a social security number listed as well as the tax dependent and full-time student fields filled in If Benefitsolver is missing any of this information for existing dependents you will be required to complete it before moving forward If you can’t remember your Benefitsolver user name and/or password click on “Forgot Password” and follow the recovery instructions. You must format the information exactly as shown. The company key is: soc You will receive a confirmation number when your transaction is complete If you are having difficulties with Benefitsolver please call the Benefits Office at (303) for assistance

Resources United Health Care Kaiser Permanente Delta Dental Department of Personnel and Administration CSM Human Resources (303)