Medical Insurance Regence Blue Cross/Blue Shield of Utah, 2 Options $500 DEDUCTIBLE plan/3 individuals Individual Out of pocket max $4,000 Family Out of pocket max $8,000 NO Annual Maximum Option 2 HDHP/HSA Combination $1,500 DEDUCTIBLE single coverage Out of pocket max $4,000 (Inc. DED) $3,000 DEDUCTIBLE 2-party or family coverage Out of pocket max $8,000 (Inc. DED)

2013 Plan Changes $500 Deductible ITEM 2012 2013 Annual Out of Pocket Maximum Individual/Family $1,500/$4,500 $4,000/$8,000 Emergency Room Copay $100 $250 Prescriptions (Rx) Generic Formulary Non-Formulary $7.00 20% 35% $15.00 25% 45% EMPLOYEE PREMIUM CONTRIBUTION CHANGES Individual 2-Party Family $30.90 $55.15 $73.00 $33.00 $59.55 $79.00

Examples of $500 vs. HDHP $125.70 difference!!! $10.70 difference!!! $500 Coverage HDHP Coverage #1 - Month Two Dr. Visits Dr. visit = $130 x 2 = $260 $125.70 difference!!! $20 copay (after tax $) $95.70 premium difference ($135.70) Total spent for the month for healthcare $260 Dr. Visit ($250)HSA County contribution $10.00 Total Spending for the month (No Tax paid)! #2 - Month 1 Dr. Visit = $130 $300 Rx (Formulary) $10.70 difference!!! $75 for Rx (after tax $) ($190.70) Total spent for the month for healthcare $0 applied to deductible $130* Dr. Visit $300* for Rx ($180.00) Total *450 applied to deductible! #3 - Annual $5,000 Broken Arm $600 5 Office Visits $4,400 Surgery $10,000 Annual Expense $3,428.40 difference!!! Broken Arm: $500 Deductible $1,200 ($250 ER copay+20%) Office Visits: $100 ($20 copay x 5) Surgery: $880 (20%) $1,148.40 premium difference ($4,828.40) Total $3,000* deductible $1,400 co. (20% of $7,000) $4,400 ($3,000) HSA UC Cont. ($1,400.00) Total *Family Deductible is met & $ applied toward OOP Max.

Why have a consumer-driven health plan? YOU make all contributions & forfeit at the end of the year. Incentive to USE $ (or you will lose it) Flexible Spending Account (FSA) Traditional Healthcare Traditional Health Plan Incentive to USE $ and Insurance VS. Your Account $ rolls over year to year Part 1 Health Savings Account (HSA) Incentive to SAVE $ - You & your employer contribute pre-tax dollars HSA Concept Part 2 High Deductible Health Plan (HDHP) Incentive is to focus on PREVENTATIVE CARE and have coverage for major medical expenses.

Health Savings Account (HSA) – What is it? Uintah County contributes money on a monthly basis MAKING IT A $0 DEDUCTIBLE PLAN!!! A bank account in YOUR name You can contribute PRE-TAX dollars through payroll Receive a Debit Card (use as a credit card, no fee) Checks (50 for $7.95) $2.25 monthly admin fee (waived after you have $3,000 in account) Track spending online, keep records, tax forms Use for health, dental and vision expenses or supplemental income upon retirement Visit www.hsabank.com for more information

www.myregence.com

www.myregence.com

www.myregence.com

www.myregence.com

Status Changes Marriage, Divorce, dependent marriage, etc. Change dependents AND beneficiaries 30 Days from EFFECTIVE DATE Materials & Forms Open enrollment ends December 14, 2012

Enrollment Medical Insurance Flexible Spending Account/Cafeteria Plan All employees MUST complete and submit new forms by FRIDAY DECEMBER 14, 2012: Medical Insurance $500 deductible HDHP/HSA enroll online with/without assistance for no fee, $22 processing fee otherwise Must have e-mail account Must have information, SSN, spouse SSN, DL# Waive Insurance altogether Flexible Spending Account/Cafeteria Plan Enroll Waive Other forms Available upon request