Health Benefits

Benefits This presentation will include an explanation of:  Benefits cost increases  Medical plan design changes  Medical plan comparisons  Employee Monthly Medical plan costs  HSA Bank Transition  Existing Wellness Resources  New programs  Benefits Open Enrollment  Who to contact

Benefits Cost Increases District Contribution Employee Contribution Plans$29,250,994$8,948,468 HSA Deposit$3,240,484___________ Total$32,491,478$8,948,468

Medical Plan Design Changes OAP/EPO PlanCurrent Deductible$350$500 PCP/Specialist Copay$20/$35$25/$40 Inpatient Copay$150$250 Urgent Care/Emergency Room Copay$35/$100$50/$200 Prescription deductible$100 Retail Prescription Copay$7/$15/40% to 100%$7/$25/40% to 100% Coinsurance80%/20% Out-of-pocket maximum$2350/$7050$4250/$8500

Medical Plan Design Changes 1500 HDHP$2500 HDHP Current2015/16Current2015/16 Deductible (Individual/Family)$1500/$3000 $2500/$5000 Coinsurance (District/Employee)80%/20% 100%/0%90%/10% Out-of-pocket maximum$3000/$6000$4000/$8o00$2500/$5000$3500/$7000 District HSA Contribution$1000 $1500

Medical Plan Comparisons ServiceCost Preventive care visits$398 1 Emergency Room visit$ Primary care visits$160 3 Specialist visits$ Generic prescriptions$288 3 Name brand prescriptions $240 Total Costs for Services$4136 Meet Karen o Single, in her 50s o Heart disease; o Controlling health through medication

Medical Plan Comparisons Type of ServiceCost of Services Used by Karen EPO/OAP Plan$1500 HDHP$2500 HDHP Employee Cost Preventive care visits$398$0 1 Emergency room visit$2600$1080$1720$ Primary care visits$160$50$32$16 3 Specialist visits$450$120$90$45 12 Generic prescriptions$288$184 $57.60$ Brand name prescriptions$240$75$48$24 Annual Payroll Deduction$720$120 Less District HSA Contribution-$0-$1000-$1500 Total Employee Cost$4136 (Total Cost of Services) $2229$ $

HSA Bank Transition  On October 24, your HSA banking will transition from JPMorgan Chase Bank to HSA Bank  Replacement debit cards will be sent to your homes mid-October  All balances will automatically be transferred to your new card – there are no blackout dates  Begin using the new card on October 24. The Chase card will be deactivated at the same time  You can still access all account information on mycigna.com  If you currently have automatic claim payments with Chase Bank, you will need to re-enroll after HSA bank transition

Existing Wellness Resources  Telephonic Coaching – call Cigna24 at anytime to work with a coach to achieve your health and wellness goals.  Includes chronic condition management  Weight, Tobacco, Stress management  Wellness, exercise, nutrition, etc.  Mycigna.com resources:  Health Assessment  Online Coaching – My health Assistant  Apps and activities on mycigna.com  Look up benefits, find a doctor/dentist, cost transparency tools, manage claims, etc.

New Programs  Healthy Pregnancies, Healthy Babies – Voluntary program for pregnant women that provides incentives for following certain guidelines.  Cancer Support Program – Provides care and support for employees and families touched by cancer.  Personal Health Solutions Plus – Ensures that employees and their dependents receive the most appropriate and cost effective inpatient and outpatient care. Precertification required for certain outpatient procedures and services

Benefits Open Enrollment July 22 – August 12, 2015  All eligible employees must sign-in to confirm their elections  Elections go into effect on October 1, 2015  Benefits Health Fair-July 28-Westwood High School

Who to Contact Benefits Department (ext ) Michelle Bernal Lorraine Wagner A-K L-Z