2014 Benefits

Open Enrollment  Elections made during open enrollment will become effective on January 1,  East Central College offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.  All enrollment forms must be submitted to the Human Resource Office by November 15,

Who is Eligible?  Full-time employees who work a minimum 30 hours per week are eligible for Medical, Dental, Vision, Voluntary Life, and Disability.  Spouses and dependent children of eligible full-time employees may enroll in Medical, Dental, Vision and Voluntary Life. 3

How to Make Changes  Unless you have a qualified event, you cannot make changes to the benefits you elect until the next open enrollment period. Qualified events include: Marriage Divorce Legal separation Birth or adoption of a child Change in child’s dependent status Death of spouse, child, or other qualifying dependent Change in spouse’s benefits or employment status 4

Medical Plan and Network Options Plan OptionsDeductibleCoinsurance Base Plan$50080% Buy-Up Plan$0100% H.S.A. Plan$ % 5  Each plan offers two network options:  Blue Access Choice (BAC)  Blue Preferred Select (BPS)

Anthem Networks  Blue Access Choice (BAC) Network  Includes BJC Providers.  Blue Preferred Select (BPS) Network  Does NOT include BJC Providers. 6 BJC Providers:  MO Baptist St. Louis, St. Louis Children’s Hospital, Barnes, Christian Northeast and Northwest, and doctors with Washington University.  The BPS Network does include Missouri Baptist Sullivan Hospital.

Medical Plan Options In-Network Benefits BenefitsBase PlanBuy-Up PlanH.S.A. Plan Deductible Individual Family $500 $1,000 $0 $2,500 $5,000 Coinsurance 80%100% Out-of-Pocket Maximum* Individual Family $2,500 $5,000 $1,000 $2,000 $3,500** $7,000** 7 * Includes copayments and coinsurance. ** Prescriptions also apply to the Out-of-Pocket Maximum for the H.S.A. Plan.

Medical Plan Options In-Network Benefits 8 BenefitsBase PlanBuy-Up PlanH.S.A. Plan Physician Copay$20 Deductible then Coinsurance Specialist Copay$40 Deductible then Coinsurance Urgent Care Copay$50 Deductible then Coinsurance Emergency Room Copay $200 Deductible then Coinsurance

Medical Plan Options In-Network Benefits Prescription Drug Base PlanBuy Up PlanH.S.A. Plan Tier 1$10 Deductible then $15 Tier 2$35 Deductible then $30 Tier 3$60 Deductible then $50 9

IRS H.S.A. Contribution Limits 2014 Contribution Limit Individual Coverage$3,300 Family Coverage $6,550 Catch up (Age55 to 65) $1,000 10

East Central College H.S.A. Contribution 11 BPS NetworkBAC Network Monthly Contribution$ Monthly Network Incentive $ Total Annual Contribution* $2,658.48$2, * For employees who enroll in additional coverage, the H.S.A. contribution will be applied to spouse, dependent or family premium. East Central College’s contribution into your H.S.A. goes towards the 2014 IRS contribution limit.

ECC Base Plan Incentive  Employees that enroll in employee only coverage in the BPS Base plan will receive a deposit of $22.98 monthly into their F.S.A.  For employees who enroll in additional coverage, the F.S.A. contribution of $22.98 has been taken off the monthly premium. 12

Medical Cost – BPS Network 13 Monthly Cost to the Employee ElectionBPS H.S.A. PlanBPS Base Plan *BPS Buy-Up Plan * Employee Only $0.00 $ Employee & Spouse $135.36$567.70$ Employee & Child(ren) $61.54$458.54$ Family $400.94$998.94$1, The BPS Network does not include BJC Providers. * Employees that enroll in additional coverage in the base or buy-up plan, $22.98 has already been deducted from the monthly premium. ** East Central College pays $ toward every employees health plan.

Medical Cost – BAC Network 14 Monthly Cost to the Employee ElectionBAC H.S.A. PlanBAC Base PlanBAC Buy-Up Plan Employee Only $0.00 $ Employee & Spouse $182.84$628.36$1, Employee & Child(ren) $104.32$512.22$ Family $465.36$1,087.60$ The BAC Network does include BJC Providers. *East Central College pays $ toward every employees health plan.

15 Register Here Find a Provider

Find A Provider Choose Provider Specialty Put in location 16 Select what you are looking for Select your network Select PPO as Plan Type/Network

Dental Coverage TypeEmployee Monthly Cost Employee Only$0.00 Employee & Spouse$30.80 Employee & Child(ren)$67.72 Family$  Guardian will remain our carrier and there are no changes to the current benefits.  There is an increase for dependent coverage.  If you want to make a change to your current election, please contact the HR office.

Vision 18 Coverage TypeEmployee Monthly Cost Employee Only$0.00 Employee & Spouse$3.72 Employee & Child(ren)$3.93 Family$10.14  VSP will remain the carrier and there are no changes to the current benefits.  There is no change in cost.  If you want to make a change to your current election, please contact the HR office.

Basic Life & Voluntary Life  East Central College pays for a $50,000 basic life policy on all full-time employees.  You may purchase additional life insurance.  Please contact the Human Resource office to make changes to your voluntary life policy.  Now is a great time to update your beneficiaries. To update yours please contact the Human Resource office. 19

Flexible Spending Account (F.S.A.) 20  Healthcare providers (including dentists and eye doctors) are obligated to bill your insurance first. You do not need to pay anything until you have received the following: Your Explanation of Benefits (EOB). The bill from your provider showing the balance you owe after your insurance has paid its portion of the claim.

F.S.A. – Benny Card 21  Once you get the bill from your provider, here is how to make a payment using your Flex Spending Benny Card: Write your card number on the portion of the bill that allows for credit card payment. Sign in the appropriate area. Provide the expiration date. You may also need to include a CBB (3 digit number on back of your card). Return the completed form to your provider.

F.S.A. – Benny Card 22  What you can use your Benny Card for: Covered prescription and doctor copayments and deductibles LASIK surgery and eyeglasses Mail order and online prescriptions copayments and deductibles Health plan deductibles and coinsurance Patient balance due (For claims incurred in current plan year) Orthodontia Over-the-counter (OTC) items (if covered by your Plan) at participating pharmacies

Flexible Spending Account (F.S.A.)  Web Tools: Quickly create and upload claims View current F.S.A. elections View claims history View account balances View flexible spending account summary Download and print plan documents Access F.S.A. administration forms and frequently asked questions (FAQs) 23

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Reminder!  All packets must to be turned into Human Resources by November 15,  If you want to make any changes to your vision, dental, or voluntary life plans you must complete a change form that can be picked up in the Human Resource office. All changes must be received by November 15,

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