Annual Enrollment for Plan Year 2014

February APRIL Annual Enrollment Dates: Monday, October 21 st* - Friday, November 8 th** * Opens at 1:00 a.m. EST **Closes at midnight

February APRIL 2010 Plan Changes for AE 2014

February APRIL 2010 Life Plans – MetLife New! Effective January 1, 2014, Metlife will be replacing Minnesota Life as the State of Georgia’s Life Insurance provider – Employee’s current coverage of employee/spouse/child life with Minnesota Life will be honored by Metlife Metlife will offer two additional enhancements to the plan: – Up to 10x Employee Life coverage – Maximum coverage for employees will increase to $2 million Premium rates will decrease for employee life and spouse life Plan Design/Premium Changes for AE 2014

February APRIL 2010 Life Plans – MetLife For this Annual Enrollment – Employees will have the option of increasing one level of coverage without requiring Evidence of Insurability (EOI) – Increases of more than one level will require EOI – If Denied, the requested coverage will be approved to one level greater than the employee’s current level of coverage Employees currently with “No coverage” can elect 1x Employee Life without Evidence of Insurability – Increases of more than one level will require EOI – If Denied, the employee will be guaranteed 1x coverage Increases in coverage for Spouse Life will require EOI Plan Design/Premium Changes for AE 2014

February APRIL 2010 Life Plans – MetLife Waiver of Premium to the Employee Life product will be reinstated for permanent or total disability which initiate after January 1, 2014 – Paper process for employees to complete – Employee must initiate the process after meeting the 180 day qualifying period – Copy of the form will be available on the Gabreeze, DOAS, and Team Georgia web sites Plan Design/Premium Changes for AE 2014

February APRIL 2010 Life Plans – MetLife Additional benefits to those enrolled in the Life product – Will Preparation – Estate Planning NOTE: These benefits are offered by Metlife through Hyatt Legal Services, however, this is separate from the benefits provided under the Legal Plan Plan Design/Premium Changes for AE 2014

February APRIL 2010 Accidental Death & Dismemberment Plan – MetLife New! Effective January 1, 2014, Metlife will be replacing Minnesota Life as the State of Georgia’s AD&D provider – Employee’s current coverage of AD&D with Minnesota Life will be honored by Metlife Metlife will offer additional enhancements to the plan: – Up to 10x AD&D coverage – Maximum coverage for employees will increase to $2 million – Amount payable for loss of an arm or leg will increase to 75% of coverage Plan Design/Premium Changes for AE 2014

February APRIL 2010 Vision – Blue Cross Blue Shield of Georgia New! Effective January 1, 2014, BCBS of Georgia will be replacing Spectera as the State of Georgia’s vision provider BCBS will offer two additional enhancements to the plan: – Increased out-of-network benefit towards frames > $130 under the Select Plan > $150 under the Select Plus Plan – Coverage for lenses/frames will be based on the calendar year, not once every 12 months Decrease in premium rates Plan Design/Premium Changes for AE 2014

February APRIL 2010 Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plan) COVERED SERVICESCOPAYMENTS/MAXIMUMS Network ProvidersNon-Network Providers Eye Exam Limited to one exam per Member every Calendar Year. $10 Copayment Reimbursed up to $40 Prescription Lenses Limited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair)  Single Vision lenses  Bifocal lenses  Trifocal lenses  Lenticular lenses Includes:  Factory scratch coating  Tint (solid & gradient)  Polycarbonate and Transitions Photochromic lenses (for children under age 19) not covered under non-network providers  UV Coatings $20 Copayment Reimbursed up to $40 Reimbursed up to $60 Reimbursed up to $80 Frames Limited to one set of frames per Member every Calendar Year. No Copayment Allowable Amount up to $130 retail allowance Reimbursed up to $45 Prescription Contact Lenses (traditional or disposable)  Non-Elective Contact Lenses (Availability once every Calendar Year.) No Copayment Covered in full Reimbursed up to $210  Elective Contact Lenses (Availability once every Calendar Year.) No Copayment $105 plan allowance Reimbursed up to $105 Note: If you chose covered Non-Elective Contact Lenses or Elective Contact Lenses, no benefits will be available for covered eyeglass lenses in that period.

February APRIL 2010 Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plan) Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses for children under 19 years old, and Transitions lenses are also included for children under 19 years old as a standard benefit Lens OptionsMember Cost Retinal Imaging$39 UV Coating$15 Standard Scratch-Resistant$0 Standard Polycarbonate$0 Standard Progressive (add-on to bifocal) Premium Tier 1 Premium Tier 2 Premium Tier 3 $65 $91 $97 $103 Standard Anti-Reflective Coating Premium Tier 1 Anti-Reflective Coating Premium Tier 2 Anti-Reflective Coating $45 $57 $68 Transition lenses $75 Other Add-Ons and Services20% discount off retail price Additional complete pairs of40% discount off retail price

February APRIL 2010 COVERED SERVICESCOPAYMENTS/MAXIMUMS Network ProvidersNon-Network Providers Eye Exam Limited to one exam per Member every Calendar Year. $10 Copayment Reimbursed up to $40 Prescription Lenses Limited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair)  Single Vision lenses  Bifocal lenses  Trifocal lenses  Lenticular lenses Includes the following Lens options  Factory scratch coating  Tint (Solid & Gradient)  Polycarbonate lenses  Transitions Photochromic lenses  Standard & Premium Progressive lenses  Standard Anti-Reflective coating (Not Covered For Non-Network Providers) $25 Copayment Reimbursed up to $40 Reimbursed up to $60 Reimbursed up to $80 Frames Limited to one set of frames per Member every Calendar Year. No Copayment Allowable Amount up to $150 retail allowance Reimbursed up to $45 Prescription Contact Lenses (traditional or disposable)  Non-Elective Contact Lenses (Availability once every Calendar Year.) No Copayment Covered in full Reimbursed up to $210  Elective Contact Lenses (Availability once every Calendar Year.) No Copayment $200 plan allowance Reimbursed up to $200 Note: If you chose covered Non-Elective Contact Lenses or Elective Contact Lenses, no benefits will be available for covered eyeglass lenses in that period. Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plus Plan)

February APRIL 2010 Plan Design/Premium Changes for AE 2014 Vision – BCBS of Georgia (Select Plus Plan) Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses for children under 19 years old, and Transitions lenses are also included for children under 19 years old as a standard benefit Lens OptionsMember Cost Retinal Imaging$39 UV Coating$0 Standard Scratch-Resistant$0 Standard Polycarbonate$0 Standard Progressive (add-on to bifocal) Premium Tier 1 Premium Tier 2 Premium Tier 3 $0 Standard Anti-Reflective Coating Premium Tier 1 Anti-Reflective Coating Premium Tier 2 Anti-Reflective Coating $0 $12 $23 Transition lenses $0 Other Add-Ons and Services20% discount off retail price Additional complete pairs of40% discount off retail price

February APRIL 2010 Most Walmart/Sam’s Club are out-of-network providers; completion and sub- mission of the claim form below is required to receive the in-network benefit Important Note re: Walmart/Sam’s Club providers

February APRIL 2010 Important Note re: Wal-Mart/Sam’s Club providers

February APRIL 2010 Vision – BCBS of Georgia New premium rate structure for the Select Plan – You Only $4.54 – You + Spouse $9.49 – You + Child $9.92 – You + Family $13.37 Plan Design/Premium Changes for AE 2014 Admin fee is included in amount

February APRIL 2010 Vision – BCBS of Georgia New premium rate structure for the Select Plus Plan – You Only $7.73 – You + Spouse $16.80 – You + Child $17.57 – You + Family $23.90 Plan Design/Premium Changes for AE 2014 Admin fee is included in amount

February APRIL 2010 Disability Plans – The Standard For Short Term Disability – The maximum weekly amount an employee can receive will increase from $800 to $1,000 For Long Term Disability – Rates will slightly increase – LTD will go from a pre-tax to an after-tax structure > Benefits received by employees who go out on LTD will no longer be considered taxable income Plan Design/Premium Changes for AE 2014

February APRIL 2010 Specified Illness Plans – CAIC The automatic child benefit under Specified Illness has increased to 50% of the employee’s selected coverage amount Employees who elect the Select Plus Plan (w/Accident Rider) will receive $160 for any qualified Health Wellness screenings Newly added illnesses covered under the Child benefit – Cystic Fibrosis – Cerebral Palsy – Cleft Lip or Cleft Palate – Spina Bifida Plan Design/Premium Changes for AE 2014

February APRIL 2010 Spending Accounts– ADP The URL for Spending Accounts will be updated to reflect the branding change from SHPS to ADP – New URL: – The old URL will remain active until the end of the year Plan Design/Premium Changes for AE 2014

February APRIL 2010 Spending Accounts– ADP NOTE: There is a significant change to the FSA plans. If an employee has a current contribution for 2013, it will not automatically rollover into the new plan year. Employees must make an election to continue contributions in the FSA plans for 2014 (Dependent Care & Health Care) Employees will be required to make a new election amount in order to keep their Health Care and/or Dependent Care Spending Account active The last deduction for Spending Accounts will be November 30th unless a new election for 2014 is made Plan Design/Premium Changes for AE 2014

February APRIL 2010 Long Term Care – Unum Average rate increase for current and/or newly enrolled employees of 15% for PY 2014 – Increase will be based on the age coverage was locked in Unum will issue a packet of information to currently enrolled employees on or after September 1 st to explain the rate change Employee options – Take no action – Decrease coverage – Elect the Contingent Non-forfeiture Benefit (form included in packet) Employees can go to the website: unuminfo.com/sog or contact Unum at for additional information Plan Design/Premium Changes for AE 2014

February APRIL 2010 GaBreeze Confirmation Number Employees will receive a Confirmation Number upon successful completion of their online Annual Enrollment on the Completed Successfully page on the GaBreeze Website Additional changes will be permitted online during the remainder of the Annual Enrollment period. – Employees will retain the same Confirmation Number – Date/Time Stamp will update to reflect the most recent completion Employees should print a copy of the Confirmation Number page for their records GaBreeze Website Reminder for AE 2014

February APRIL 2010 Support Avenues (Employees/Participants) Benefits Call Center Monday – Friday, 8:00 am – 5:00 pm ET excluding holidays GaBreeze Website Link on Team Georgia Flexible Benefits tab

February APRIL 2010 Final Questions and Follow-ups