Waco ISD 2013 Open Enrollment GHC /12

Medical Benefits 2. Vision Plan 3. Humana Resources 2 Agenda

2013 Medical Plans 3

4 Humana NPOS HDHP with HSA CoverageIn-Network Co-insurance Out of Pocket Max *Out of Pocket Max includes Deductibles 80% $5,950 Individual $11,900 Family Deductibles$4,000 Individual $8,000 Family Preventive Care Annual Routine Physical Exams Well-Child Care / Immunizations Routine Well-Woman Visits Mammography Routine Lab and X-Ray Preventive Endoscopy Preventive Prostate screenings 100% No deductible Physician Services Primary Care Physician Specialists 80% after deductible and $40 copay 80% after deductible and $55 copay Hospital Services Inpatient Outpatient 80% after deductible Emergency Room80% after deductible and $250 Copay Urgent Care80% after deductible and $100 Copay

How the High Deductible Health Plan works The High Deductible Health Plan has two key components: – Integrated deductible: medical and prescription costs apply to the same deductible – Coinsurance: once the deductible is met, the plan pays coinsurance – a percentage of your health care costs Other High Deductible Health Plan features: – For family coverage, costs for all covered members apply to same aggregate deductible – Includes coverage for preventive care services at no cost regardless of whether the deductible is met

A Health Savings Account, or HSA, is a financial account used to pay for qualified medical expenses. HSAs combine the benefits of both traditional and Roth 401(k)s and IRAs for medical expenses. Taxpayers receive a 100% income tax deduction on annual contributions, they may withdraw HSA funds tax-free to reimburse themselves for qualified medical expenses, and they may defer taking such reimbursements indefinitely without penalties. HSAs are unique—“IRAs on Steroids”—with triple tax advantages: – Tax-deductible contributions – Tax-free accumulation of interest and dividends tax-free, and – Tax-free distributions for qualified medical expenses Max Contribution: Individual $3250 / Family $6450 Catch up Contribution (if age 55 or older) additional $1000 per year 6 Background on Health Savings Accounts

Contributing money to an HSA It’s a fund you can use to cover your qualified healthcare costs Humana oversees the administration of both your plan and the HSA, which is managed by our partner bank, UMB Receive a Humana Access card to use as payment for qualified expenses You, your employer, and anyone else can contribute to your account Once money goes into the account, it’s yours forever Unused money carries over from year to year (unlike FSA - use it or lose it) If you leave your current employer, HSA funds can stay in the same account or roll into another HAS HSA contributions are credited to account monthly, not lump sum at beginning of year like an FSA IRS Rule - You cannot contribute to an HSA unless you are enrolled in an HDHP * Please refer to IRS.gov or your Humana enrollment packet for detailed tax and HDHP/HSA information.

8 Humana NPOS 70/50 Copay Plan CoverageIn-Network Co-insurance Out of Pocket Max *Out of Pocket Max calculates separately and does not include Copays/Deductibles 70% $5,000 Individual $10,000 Family Deductibles$8,000 Individual $16,000 Family Preventive Care Annual Routine Physical Exams Well-Child Care / Immunizations Routine Well-Woman Visits /Mammography Routine Lab and X-Ray Preventive Endoscopy Preventive Prostate screenings 100% No deductible Physician Services Primary Care Physician Specialists 100% after $50 copay 100% after $100 copay Hospital Services Inpatient / Outpatient70% after deductible Emergency Room70% after deductible Urgent Care100% after $50 Copay at a Concentra Facility 70% after deductible for non-Concentra Facility

9 Humana NPOS Simplicity Plan Copays Only – No Deductibles or Coinsurance! CoverageIn-Network Copay / Out of Pocket Maximum$6000 Individual / $12,000 Family Preventive Care Annual Routine Physical Exams Well-Child Care / Immunizations Routine Well-Woman Visits Mammography Routine Lab and X-Ray Preventive Endoscopy Preventive Prostate screenings Physician Services for inpatient/outpatient hospital, emergency and surgical (Facility Charges subject to separate copay) $0 Copay Office Visits/Urgent Care Primary Care Physician Convenient Care Clinic Concentra Urgent Care Facility Specialists/Other Specialist Office Visits Chiropractic care, physical, occupational, cognitive, speech and audiology therapy (visit limitations apply) Urgent Care at NON- Concentra Facility $50 Copay per visit $100 Copay per visit $125 Copay per visit Inpatient Hospital Stays Outpatient Surgical Services (Facility) Emergency Room $1500 Copay per day for the first 3 days $1500 Copay per visit $600 Copay per visit

10 Humana NPOS 80/50 Copay Plan CoverageIn-Network Co-insurance Out of Pocket Maximum *Out of Pocket Max calculates separately and does not include Copays/Deductibles 80% $5,000 Individual $10,000 Family Deductibles$2,500 Individual $5,000 Family Preventive Care Annual Routine Physical Exams Well-Child Care / Immunizations Routine Well-Woman Visits Mammography Routine Lab and X-Ray Preventive Endoscopy Preventive Prostate screenings 100% No deductible Physician Services Primary Care Physician Specialists 100% after $30 copay 100% after $45 copay Hospital Services Inpatient / Outpatient80% after deductible Emergency Room100% after $150 copay Urgent Care100% after $30 Copay at a Concentra Facility 100% after $75 non-Concentra Facility

11 Pharmacy Benefits PlanCoverage NPOS 80/50 HDHP with HSA NPOS 70/50 Copay Plan Simplicity Plan NPOS 80/50 Copay Plan RX4 Copay After Deductible Level 1 - $10 Level 2 - $40 Level 3 - $70 Level 4 – 25% RX4 Level 1 - $10 Level 2 - $40 Level 3 - $70 Level 4 – 25% Right Source Mail Order RX2.5 Copays for 3 Month Supply

12 Women’s Preventive Care Updates for 2013 Coverage In-Network Contraceptive methods and counseling includes : All FDA approved contraceptive methods, sterilization including vasectomies, and patient education and counseling. Prescription is required, includes over the counter contraceptives *Brand name contraceptives are covered at 100% only when no generic alternative is available in that class/category Breastfeeding support, supplies and counseling to include costs for renting breastfeeding equipment Covered at 100% in network only

Vision Plan Automatically included to ALL Waco ISD Humana medical members at no additional cost! 13

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Pharmacy Tools Access RightSource Rx registration and maintenance information Compare drug costs and view alternative medications View prior authorization requirements Locate local pharmacies Maximize your benefit

Physician Finder Go to Under Resources and & Support tab, click on “Find a Doctor” Under Type of Coverage, ensure Employer Group Plan is selected, input zip code For network, please select National Point of Service- Open Access Agree to terms, select parameters and go!

17 Concentra in Waco Save Money on Urgent Care

Humana Vitality Comprehensive wellness program Integrates rewards with health and wellness Provides the tools and support necessary to help Humana members live healthier lives. Humana Vitality members rewarded for making healthier choices, i.e. attending preventive screenings, exercising regularly and quitting smoking.

Clinical Program available for Humana Members Programs available: Asthma Diabetes Heart Disease Pregnancy Renal Failure Ask a Humana representative today about getting involved in these programs

Get Engaged: Member Communications Humana will be reaching out to members using various communication methods: Phone Calls directly to member’s homes communication regarding preventive reminders, clinical programs available, etc. Plan Professor Newsletters Member Welcome Guide Maximize your benefit Smart EOB

21 Questions