3. All three plans include standard preventive care for adults and children at 100% coverage. (no cost share to you) This includes allowed services that are billed and coded by your provider as preventive such as: – Mammogram – Colonoscopy – Wellness office visits and labs – Well Woman / PAP – Immunizations – Birth Control (some types) Preventive versus diagnostic care What’s the difference? Preventive care helps protect you from getting sick. Diagnostic care is used to find the cause of existing illnesses. For example, say your doctor suggests you have a colonoscopy because of your age. That’s preventive care. On the other hand, say your doctor suggests a colonoscopy to see what’s causing your symptoms. That’s diagnostic care and you may need to pay part of the cost. NEW!!!!! HSA Plans include Preventive RX list covered at 100% (retail or mail order)

4. Register at www.anthem.comwww.anthem.com ID Card Find a Doctor Explanation of Benefits Anthem Care Comparison Rewards Program / Well Being Assessment Mobile Capabilities Anthem 24/7 Nurse Line Live Health Online + Psychology 2D versus 3D mammograms (3D not covered)

5. It’s Open Enrollment - - JULY 1 - Make changes now for Open Enrollment or anytime during the year within 30 days of a Qualifying Event (birth, death, divorce, marriage, involuntary loss of coverage). Plan year: Medical = July -June / Dental = January – December Blue Preferred Network –NO CHANGE A regional network for Mid Missouri and the east side of the state. Boone Hospital is in network, all other BJC facilities are out of network. Please make sure your providers are IN- NETWORK for Anthem discounted pricing and to avoid balance billing. Dependents covered to age 26 - Medical - end of calendar year; Dental - end of month Voluntary Life - birth to age 23, or to age 25 if a full-time student. Paperwork - ALL must sign and return the DISTRICT election form by ******** with compliance info (even if waiving). Anthem / Assurant paperwork is needed only if making a change. New ID cards………only PPO members Mail order RX with Express Scripts - Also - $4/$12 at Walmart, Gerbes, Schnucks, Hyvee, etc. or Canada Pharmacy. Try the app – Good Rx to get the retail cost of meds at local pharmacies

6. THERE ARE TWO PARTS TO AN HSA…….. 1) the health plan (follows Anthem rules ) and 2) the bank account. (follows IRS rules.) All benefit eligible employees can enroll in any of the health plans offered by the District. The IRS rules about “other coverage” say that if you are enrolled in a Qualified High Deductible Health Plan (QHDHP) and also in a traditional (first dollar) PPO plan then the member is NOT allowed to open the HSA bank account. So the banking part is the only part in question. If you have other traditional coverage or are on a spouse’s FSA and choose the HDHP option….you would not have the HSA bank account….so no HSA contributions. You could still take medical tax deductions at the end of the year if you itemize. Am I eligible for the HSA BANK ACCOUNT ?  You must be covered under a qualifying high-deductible health insurance plan (HDHP).  You cannot be covered by another health plan that is not an HDHP. (like a spouse’s traditional plan)  You cannot be enrolled in Medicare or Medicaid.  You cannot be claimed as a dependent on someone else’s tax return.  You are not covered on Tri-Care  You have not used Veteran’s Benefits in the last three months  Your spouse can not be enrolled in an employer’s flex plan. The IRS views this as “double dipping” since both of you are eligible for both programs. *QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN / Health Savings Account

7. There are two hurdles for people considering a HDHP / HSA: 1) cash flow (especially at the pharmacy) 2) management (becoming an informed consumer and keeping some records of what you spend the HSA dollars on) EXAMPLE A: I’m a low utilizer of my health plan. I see one doc a year and might have one RX a year. I get that at Wal-Mart on their $10 plan (for 3 months quantity) EXAMPLE B: I’m on 4 or more meds, I see the doctor numerous times a year and I may have a procedure or a baby. The HDHP / HSA is the perfect plan for Example A or B. Build up your HSA bank account and utilize the Preventive Care that is covered at 100%.

8. I’m saving money for healthcare expenses for my future (works like a medical IRA) Tax savings – save it, spend it on eligible expenses and earn a little interest on it - - all tax free I’m a better consumer so I have more control over what I spend I can use the funds for other expenses like OTC, dental and vision. I can use the money for family members - even if they are not on the plan No “use it or lose it” like on a Flex plan (FSA) 2016 Contribution limits Self Only $3350 / Family $6750 –Catch up Contribution for age 55+ is $1000 per person per year (separate accounts) I’m saving money for healthcare expenses for my future (works like a medical IRA) Tax savings – save it, spend it on eligible expenses and earn a little interest on it - - all tax free I’m a better consumer so I have more control over what I spend I can use the funds for other expenses like OTC, dental and vision. I can use the money for family members - even if they are not on the plan No “use it or lose it” like on a Flex plan (FSA) 2016 Contribution limits Self Only $3350 / Family $6750 –Catch up Contribution for age 55+ is $1000 per person per year (separate accounts)

9. Employer Paid Basic Life – Board paid Employer Paid Accidental Death & Dismemberment – Board paid *********** You can also enroll in these Voluntary plans with payroll deductions: Voluntary Life - $150,000 max or 7 x salary with health statement. Up to 50% for spouse to a max of $50,000; $10,000 for child(ren) - If you did not enroll last year you can enroll for a $20,000 annual open enrollment option without answering health questions. - if you enrolled but are under the $150,000 GI you may increase current coverage by $10,000 each year without health questions. (employee only – spouse will still need health statement) Dental – premiums are going up 5% (still below prior Guardian) Always ask your dentist to do a Pre-Determination of benefits on services over $300 Vision – premiums are going up 7% (still below prior Guardian)

10. Online Advantage for members – Go to www.assurantemployeebenefits.comwww.assurantemployeebenefits.com – Log In – Gives you access to your plan info Print ID card Find a provider Cost estimator Benefit details Claim status

11. Will Preparation Services Fifty-seven percent of Americans don’t currently have a will and 32 percent would rather have a root canal than create a will. We can help make it simple to create your will! What happens if you die without a will? The courts in the state in which you reside determine the distribution of your family heirlooms, your property, your money and, most importantly, establish the care of your minor children. The good news is you don’t have to leave it up to the courts to determine how your assets should be distributed. You can create your own will to help protect the future of your loved ones. This valuable resource is included with your life insurance. Visit www.ndwillprep.com and log in with the code AEB There are no fees associated with using this online tool and you can access the website as often as you like. You can even start the process today and then save the document online to update later — a handy feature if you need to gather additional information.

12. Any Questions??? Julie Koirtyohann Account Executive, Sundvold Financial 573-443-1000 ext 211 Cell 573-881-0723 Fax 573-443-8888 1000 W Nifong Bldg 4 Suite 104 Columbia, Mo 65203 juliek@sundvold.com Julie Koirtyohann Account Executive, Sundvold Financial 573-443-1000 ext 211 Cell 573-881-0723 Fax 573-443-8888 1000 W Nifong Bldg 4 Suite 104 Columbia, Mo 65203 juliek@sundvold.com