2012/2013 Plan Year

2012/2013 Benefit Year This only happens once a year! Decisions you make are generally binding for the entire year. Qualifying Event Marriage Divorce Birth Adoption Important Dates to Remember! Enrollment period: April 23 rd – May 23 rd Deadline for making changes: May 23 rd Changes effective : JULY 1, 2012

Benefits: No changes in coverage or cost! Add or delete eligible dependents Change Beneficiary on Basic or Voluntary Life Not making any changes? We need the following: 2012/2013 Benefits Open Enrollment Election form Flex Spending Account (FSA) and/or Health Savings Account (HSA)

Flexible Spending Account Reduce your taxable income by what you spend on non-reimbursable medical and dependent care expenses. Maximums: $2,500 Health and $5,000 dependent care. VERY IMPORTANT If you are currently enrolled in the Flexible Spending Account, you MUST enroll for each plan year. If you do nothing – you will not be able to contribute to Flex next year unless you have a qualifying event.

Plan A Benefit DescriptionIn-NetworkOut-of –Network Annual Deductible$500/person $1,000/family $1,500/person $3,000/family Coinsurance80%50% Out-of-Pocket Maximum$2,000/person*$6,250/person* * Deductible is not included in out-of-pocket maximum.

Health Savings Account Contribution limits for 2012: $3,100 for Single $6,250 for Family Employer contribution will apply to your maximum contribution allowed. Your contributions will be withdrawn from your paycheck each pay period. Important Information: Once you have accumulated at least $2,000 in your HSA, the balance of your account (above $2,000) will automatically be invested in an interest-bearing, FDIC- insured account. Your allocation can be changed. HSA Investment Account are available online at

High Deductible Health Plan (HDHP) Benefit DescriptionIn-NetworkOut-of-Network Annual Deductible $1,500/person $3,000/family $3,000/person $6,000/family Coinsurance85%60% Out-of-Pocket Maximum $3,000/person* $6,000/family** $8,000/person* $16,000/family** *IRS regulations require that the family (including any individual in the family) must meet the family deductible before any reimbursement is made for eligible medical expenses (other then preventative care). ** Deductibles and copayments will also accumulate to your Out-of-Pocket maximum.

Making Changes in Health Plans? All forms are available in the Human Resources Department. Complete a new Enrollment Form indicating additions or deletions. Complete a Deduction Change form. Complete the Election Form. All employees, whether you have changes or not. Submit all forms to H.R. no later than May 23 rd.

Voluntary Life Insurance Sun Life Purchase additional Life Insurance through convenient payroll deductions. Cost is based on age. Employee – up to $100,000. Spouse – 1/2 of employee coverage up to a maximum of $25,000. Children – up to a maximum of $5,000 for each child. Your dependents may ONLY be covered if the employee is covered.

Employee Assistance Plan AETNA EAP Free, confidential support to help you balance the demands of work counseling, life and personal issues. Assessment & short term counseling – 10 Visits 24 hour crisis intervention line , or visit

Reminders! You need to take action if: You want to switch to the HDHP or Plan A You have a Flexible Spending Account or Health Savings Account You must renew it during Open Enrollment You want to add or drop a dependent You want to change your beneficiaries Complete the Election Form Even if you make no changes Open Enrollment ends 5/23/12 All changes are effective July 1, 2012

Questions? Thank You! Have a Great Day! Patty Ortiz