Benefits 2014 Updates and Changes

TIAA CREF Live Webinars O The Starting Line! O Woman2Woman booth located in the Exhibit Hall O Access articles and on-demand presentations on personal finance and long- term investing O Join in interactive learning facilitated by TIAA-CREF Financial Consultants

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One-on-One O Alicia Scaly O On campus in Miller Bldg O Must make an appointment O Twice a month

Dental and Vision O No increase since 2010 O $.62/$3.25 per month vision O $2.50/$13.75 per month dental

Dental and Vision O Life time Benefit Solution

HIPPA O Law requires that you have a release on file for all family members for each insurance company. O Complete a form today in case you need to call or advocate for a family member. O Complete one for your family member to inquire or advocate for you

Changes in Health Insurance O Beginning Oct 1 O You will receive new cards

PPO O Reduced Premiums by about 4% CoverageCurrentlyOCT 1 Specialist$15$25 In patient Hospital$0$150 ER$50$75 Rx$5/$15/$30$5/$25/$50

High Deductible CoverageCurrentlyOct 1 Deductible$1300/$2600$1800/$3600 ASC Contribution to HSA $1300/$2600$1500/$3000 After Deductible20%/80%10%/90% RX10%/40%/50%$5/$35/$70 Wellness----Healthy Dollars Reduce premiums just over 3%

Deductible HDHP O Deductible and out-of-pocket maximums met so far this calendar year will rollover O They will reset 1/1/15

Healthy Dollars- only High Deductible O Health Club Membership O Open to the public O Children’s Fitness Activities O Community Based soccer, dance, bowling O Weight Management Programs O Jenny Craig or Weight Watchers O Adult Physical Classes/Lesson O Tai Chi, Yoga, Zumba, Jazzercise, Dance, Personal trainer

Blue 4 U O All who have ASC Health Insurance O Onsite screening – BMI, blood pressure, blood sugar, cholesterol O Every 6 months O Send individualize information based on result O Send info to your Doctor O Can see trends over time

Savings on Prescriptions O Drug Discount cards (including Pets) O Not greater than your plan card O Discount Pharmacy Services O Hundreds of drugs for $4 for 30 day supply O Patient Assistance Programs

Savings on Prescriptions O Prime Mail O Wegman’s *New O Three month supply for only 2 copays O 33% savings

There’s an app for that Find a Blue Cross provider – Urgent care while traveling -Child at College -Find in-network specialist -Iphone only

Brain Health O Mental Health O Protecting brain from trauma O Directing the body functions O Thinking O Memory

Don’t pay taxes! Health Savings AccountsFlexible Savings Accounts Limit $1850/$3650$2500 Rolls over year to yearRoll over $500 year to year Triple Tax freeDouble Tax Free Use in after you leave employment Cannot use after you leave employment

FSA/HSA O Use this for unreimbursed ( not paid by insurance) O Dental O Vision O Medical O Prescription O Hearing O Why are you still paying taxes on these dollars?

Ask the Pharmacist O and response within 3 days O Over the counter sleep aids O Grapefruit and Birth Control O Calcium supplements O Medicine storage O Time of day

Blue 365 O Discount Program O Blue Cross members receive discounts O Reebok sneaker O Hearing Aids O Nutri systems/Jenney Craig

January 2016 O IRS forms 1094c

Questions? O Michelle Brackin O Sue Michales Forms, Links & Phone numbers CORTLANDASC.COM click employees