2016 Benefit Overview

Meeting Agenda Introduction Benefit Review Blue Cross Blue Shield of Kansas City Prudential Flexible Spending Accounts EAP Enrollment Schedule

Medical Plans (BCBS KC)

HMO (Health Maintenance Organization) In-Network Only PPO (Preferred Provider Organization) In and Out-of-Network; National and International Coverage Base and Buy-Up Options High Deductible Health Plan (Preferred Provider Organization) Similar features to the Traditional PPO Plans Same network of physicians, hospitals and pharmacies Eligible for Employee-Owned HSA (Health Savings Account)

BCBS will cover Preventive Care Services at 100%, according to established government guidelines: Annual Physicals Childhood Immunizations Well Women Exams PSA Tests Services MUST be Preventive and received by In-network providers Also included ~ Generic Contraceptive drugs at 100% Contraceptive implants, injectables & devices at 100% Breastfeeding support, supplies (pumps) and counseling at 100%

Office Visit:PCP: $30 copay (IM, GP, FP, Ped) Specialist: $60 copay (ENT, Allergist, OB/Gyn) Urgent Care: Emergency Room: $60 copay $200 copay Deductible:N/A Out-of-Pocket Maximum: Individual $6,350 Out-of-Pocket Maximum: Family $12,700 Routine Vision$10 copay Hospital: Inpatient or Outpatient$500 copay per day / per occurrence up to $2,500 per calendar year (applies to inpatient services at a hospital and outpatient surgeries at a hospital or an outpatient facility) Inpatient Mental Illness/Substance Abuse $500 copay per day / per occurrence up to $2,500 per calendar year (Prior authorization required from New Directions) MRI, MRA, CT and PET scans$200 copay Only one copay will apply for each provider on a specified date of service even if multiple scans are performed Inpatient Hospice$250 copay per day up to $2,500 per calendar year (14 day lifetime maximum) HMO Plan

Base PPO Plan In-NetworkOut-of-Network Office Visit Deductible then 20% Deductible then 50% Deductible: Individual$2,000 Deductible: Family$4,000 Coinsurance (your share):20%50% Out-of-Pocket Maximum: Individual $5,400$15,200 Out-of-Pocket Maximum: Family $10,800$30,400 Routine VisionDeductible then 20%Deductible then 50% Hospital: Inpatient or Outpatient Deductible then 20%Deductible then 50% Emergency Room$150 copay then deductible then 20% Urgent CareDeductible then 20%Deductible then 50%

Buy-Up PPO Plan In-NetworkOut-of-Network Office Visit Specialist $30 copay $60 copay Deductible then 40% Deductible: Individual$1,500 Deductible: Family$3,000 Coinsurance (your share):15%40% Out-of-Pocket Maximum: Individual$4,200$12,600 Out-of-Pocket Maximum: Family$8,400$25,200 Routine Vision$30 copayDeductible then 40% Hospital: Inpatient or OutpatientDeductible then 15%Deductible then 40% Outpatient Mental Illness/Substance Abuse $30 copayDeductible then 40% Emergency Room$150 copay then deductible then 100% Urgent Care$60 copayDeductible then 40% Chiropractic$60 copayDeductible then 40%

Prescription Drug Coverage 34 day supply In-Network Pharmacy Tier 1: $10 Tier 2: $50 Tier 3: $ day supply Mail-Order Tier 1: $20 Tier 2: $100 Tier 3: $140

Worldwide Network of PPO Healthcare Providers PPO Network National Network Access through BlueCard ® 1,177,194 Physicians 6,776 Hospitals Access in ALL 50 States Includes MD Anderson & Mayo Clinic Welcomed in over 200 countries Worldwide

Lower monthly premiums No copayments at doctor’s office you pay entire cost until deductible is met No copayments at pharmacy; you pay the entire cost until deductible is met, then you are responsible for copays. Medical Plan High Deductible Health Plan (PPO)

 Full cost of a doctor visit is $140  BCBSKC has negotiated a fee of $65 using Preferred Care Blue Doctors  You pay nothing at the visit  Your doctor sends a bill for $140 to your home, but you don’t pay it  You receive the Explanation of Benefits (EOB) from BCBSKC indicating that you owe $65  You pay your doctor $65 HDHP Claim Flow Example

In-NetworkOut-of-Network Calendar Year Deductible: Individual$2,600 Embedded Calendar Year Deductible: Family $5,200 Coinsurance (your share): 20% 40% Out of Pocket Maximum: Individual$3,500 $7,000 Out of Pocket Maximum: Family$7,000 $14,000 Office Visit Deductible then 20% Deductible then 40% Hospital: Inpatient or Outpatient Deductible then 20% Deductible then 40% Emergency Room Deductible then 20% Urgent Care Deductible then 20% Deductible then 40% Retail Prescriptions (34 day supply) Deductible then $10 / $50 /$70 Deductible then 40% Mail-Order Prescriptions (102 day supply) Deductible then $20 / $100 /$140 N/A Qualified High Deductible Health Plan PPO Per IRS guidelines for an embedded deductible, must be $2,600 for individual.

Owned by you Used for eligible expenses Helps pay for deductible and Rx (dental and vision as well) Tax savings No “use it or lose it” rule Administered by UMB ($2.50 per month, waived if daily average account balance is $3,000 or more). Health Savings Account (HSA) High Deductible Health Plan (PPO)

Eligibility to Open an HSA You must be covered by the $2,600 High Deductible Health Plan (HDHP); You cannot have any “other coverage” such as: o A plan that is not an HSA-qualified HDHP o Spouse’s plan that is not a HDHP o Medicare or Medicaid o Tricare Coverage (military health care) o Health Flexible Spending Account (not to include Flexible Spending Account for Dependent Day Care) o Health Reimbursement Arrangement (HRA) o Veterans Administration Health Benefits You cannot be claimed as a dependent on someone else’s tax return. (Health Savings Account)

o Money may be contributed to your HSA by you, or anyone else, as long as the total doesn’t exceed the IRS annual maximum: o Catch up of an additional $1,000 if 55 years of age or older. o No expenses may be reimbursed for services incurred before the HSA is set up, regardless of when the QHDP was effective. o Keep Employer Contribution in mind when calculating annual maximum contribution Contributions to your HSA $3,350 individual $6,750 family

Qualified Expenses Use the HSA funds to pay for IRS “qualified medical expenses” permitted under Federal Tax law including:  Medical out-of-pocket expenses  Dental treatments  Hearing aids including batteries  Prescription drugs  Eye exams, eyeglasses, and contact lenses  Chiropractic Care and Acupuncture  Premiums for qualified long term care insurance and COBRA  Medicare premiums  Health plan coverage while receiving Federal or State unemployment benefits Pay for expenses for yourself and your spouse or tax dependent children even if only enrolled in employee only on HDHP.

(Excludes HMO Plan)

Dental Plan

Broad Network Protection BlueKC Dental PPO Network  BCBS of KC Contracted Providers  Discounted Fees In-Network  No Balance Billing  No Claim Forms  BCBS of KC Pays Dentist Directly Non-Participating  Not Under Contract With BCBS of KC  No Discounted Fees  Balance Billing is Possible  Dentists May Not File Claims  BCBS of KC Pays Patient

BlueKC Dental PPO ← Greatest Patient Savings Least Patient Savings → BCBS KC Network Dentist Non-Participating Dentist Co-Insurance (Plan Pays) Type A: Diagnostic and Preventive Services (exams, cleanings, x-rays, fluoride, sealants) 100% Type B: Basic Restorative Services (fillings, extractions, periodontics, endodontics) 90% Type C: Major Restorative Services (crowns, dentures, bridges) 60% Type D: Child Orthodontic Services (to age 19) 50% Calendar Year Deductible $50 single / $150 family Applies to: Type B & C Services only Calendar Year Benefit Maximum $1,000 per person Separate Lifetime Orthodontic Maximum $1,500 per child to age 19 Dependent Age Limit End of the calendar year in which dependents turn 26

Self-serve features: Network dentists Claims status and history Copy of EOB Benefit design Track use of maximums Print ID cards Request an ID card

Vision (VSP)

VSP Exam Plus Plan – Low Plan WellVision Exam® - $20 copay - Once every calendar year Prescription Glasses Discounts - 20% discount when a complete pair of glasses Contacts - 15% discount off the contact lens exam

VSP Signature Plan – High Plan Contact Lenses Once every calendar year $130 allowance (includes fitting and evaluation) Your Coverage with a VSP Doctor WellVision Exam®  $20 copay  Once every calendar year Prescription Glasses - $20 copay Includes: Lenses: Once every calendar year Single vision, lined bifocal, and lined trifocal lenses Polycarbonate lenses for dependent children Frame: Once every calendar year $130 allowance 20% off the amount over your allowance

Life/AD&D (Prudential)

Basic Employer Paid Life/AD&D Coverage Amount  1 times your annual salary, up to a maximum of $200,000 Reductions  At age 65, your benefit reduced to 65%. At age 70, it will reduce to 50%

Optional Employee Life Coverage Amount  Up to $500,000  Not to exceed 7x your annual earnings Guaranteed Amount  Up to $150,000 with no medical questions asked Reductions  Coverage will be reduced as you age  35% at age 65, and 50% at age 70 If you are currently enrolled, you may increase your coverage by $40,000 without providing an EOI.

Optional Dependent Term Life Spouse Coverage  Up to $250,000, not to exceed 50% of employee coverage  The guaranteed issue amount for spousal coverage is $20,000 Children Coverage  Increments of $2,000 to $10,000  Through the end the calendar year in which they turn age 26  One premium no matter how many children

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Flexible Spending Accounts (AmeriFlex)

Plan Overview For Plan Year 1/1/2016 – 12/31/2016 Healthcare - $2,550 Dependent Care - $5,000 ($2,500 if married and filing separate)

Grace Periods: To incur expenses – 75 days (March 15, 2017) To file claims – 90 days (March 30, 2017)

FSA Debit Card Does not expire for THREE years! Keep all receipts as you may be asked to substantiate some claims If your card is lost or stolen, you can request an additional card online, or contact AmeriFlex Member Services

Bring balance to your life. New Directions Employee Assistance Program

We help find answers to problems you may face in your personal life and at work. 6 visits per incident Face to Face Counseling Telephonic Counseling Financial Information Legal Referrals 24 hour telephonic intervention What does an Employee Assistance Program Do?

How do I Access the Program? Call: (913) or (800) OR

Crisis Leave Policy

Purpose Provide additional paid leave for employees who have exhausted their accrued leave benefits as a result of their own life-threatening, emergent or serious illness or injury or the need to care for a spouse, child, or parent who is suffering from a life- threatening, emergent or serious illness or injury.

Eligibility  Must be a full-time or part-time benefit eligible employee in a leave-earning position  Must have worked at least 1-year and 1250 hours in a benefit eligible position  Must have exhausted all sick, vacation, personal, compensatory time, and short term disability  Must not be receiving long term disability or worker’s compensation payments

Donations  Crisis Leave is funded by employees volunteering to donate their sick and/or vacation hours  Donations occur one time per year, during the annual benefit open enrollment period (Nov 10-20)  Minimum sick leave balance of 240 hours to donate sick leave  Sick leave donated will not be reported to MOSERS upon your separation from MWSU  Maximum amount of donation is 40 hours  Complete donation form and submit to HR

Requesting Leave  Exhaust all leaves: sick, vacation, personal, compensatory time, short term disability  Complete request form and submit to HR  Must also have requested FMLA  Forms available on the HR website

How to Enroll

Online (self service) See page 5 of Benefit Guide for Username Passwords have been reset to your social security number Enrollment

Questions?