1. 2015 Employee Benefits Review & Open Enrollment
William Jewell College
November 3rd, 2014

2. Today’s Agenda Discussion Topics
Open Enrollment –November 3rd through November 21st
Healthcare Reform
Benefit Review
Medical: Blue Cross Blue Shield of Kansas City
Dental: Aetna
FSA: Phillips Resource Network
Life and Long-Term Disability: Lincoln Financial Group
Voluntary Vision: EyeMed
Voluntary Short-Term Disability: Aflac

3. Open Enrollment
This is the time to make benefit decisions. Changes outside of Open Enrollment are only allowed if you have a Qualifying Event:
Marital Status
Loss of Coverage
Birth of a Child
Adoption
Death
Pre-tax Premium laws require you make your elections for the Plan year with no changes unless you have a Qualifying Event.
Please notify the HR Department within 30 days of a qualifying event to make a change.

4. Health Care Reform – Updates for 2015 Affordable Care Act (ACA)
Healthcare reform requires individuals to have a basic level of health coverage (minimum essential coverage) or pay a penalty (tax).
Fixed Dollar Amount - $325 in 2015 and $695 in 2016 or (the greater of),
Percentage of Household Income – 2% in 2015 and 2.5% in 2016
Health Insurance Marketplace (Exchanges)
If you are not eligible for the William Jewell College’s Healthcare Plans, you can get information about enrolling in health insurance through the Health Insurance Marketplace at the following website:
Open Enrollment for health insurance coverage through the marketplace begins in October for coverage starting in January 2015
Flexible Spending Accounts continue to be capped at $2,500 for healthcare expenses and $5,000 for dependent day care expenses.

5. William Jewell College Insurance Medical Withholdings for 2015
HMO COST SHARING TABLE BY ANNUALIZED SALARY
Under $30,000
At least $30, & under $47,000
At least $47, & under $61,500
At least $61, & over
1/2-3/4 Time Employees
2014
2015
Employee Only
$46.20
$48.51
$59.85
$62.84
$72.45
$76.07
$85.05
$89.30
$205.70
$215.99
Employee + 1
$144.90
$152.15
$217.35
$228.22
$273.00
$286.65
$363.30
$381.47
$398.00
$417.90
Family
$166.95
$175.30
$235.20
$246.96
$307.65
$323.03
$379.05
$565.69
$593.97
PCB COST SHARING TABLE BY ANNUALIZED SALARY
$43.05
$45.20
$55.65
$58.43
$67.20
$70.56
$78.75
$82.69
$190.73
$138.60
$145.53
$206.85
$217.19
$262.50
$275.63
$358.05
$375.95
$377.09
$159.60
$167.58
$225.75
$237.04
$299.25
$314.21
$370.65
$389.18
$535.96

6. William Jewell College
2015 Health Benefits

7. Your 2015 Medical Plans
Blue-Care HMO – (Health Maintenance Organization)
Select a Primary Care Physician (PCP); self-refer to specialists
In network coverage only
Metro KC area coverage only
Emergent care while traveling
Away from Home program
Preferred-Care Blue PPO (Preferred Provider Organization)
No selection of PCP (Primary Care Physician)
In and out of network coverage
Lower your out of pocket expenses by using network providers
National and International coverage

8. Preferred Care Blue Network
Hospital Locator
Hospital Name
HMO
Blue-Care Network
PPO
Preferred Care Blue Network
Center Point Medical Center X
Children’s Mercy Hospitals
KU Medical Center
Lee’s Summit Hospital
Liberty Hospital
Menorah Medical Center
North Kansas City Hospital
Olathe Medical Center
Overland Park Regional
Providence Medical Center
Research Medical Center
Shawnee Mission Medical Center
St. Joseph Medical Center NO
St. Luke’s (All Locations)
St. Mary’s Medical Center
Truman Medical Center (Hospital Hill and Lee’s Summit)

9. www.bluekc.com View EOB’s Track claims Review benefits
BlueKC Member Portal
View EOB’s
Track claims
Review benefits
Print temporary I.D. cards
Order permanent I.D. cards
Added-value services
Blue365 Discounts

10. BlueCard PPO Network Travel with your PPO plans!
National Network Access through BlueCard®
1,177,194 Physicians
6,776 Hospitals
Access in all 50 States
Welcomed in more than 200 Countries Worldwide

11. Routine Preventive Services
In-Network routine preventive services and the related office visit for routine preventive services covered at 100%
Annual Physicals
Childhood immunizations
Well women exams including mammograms
PSA Tests
Colorectal cancer exams
Generic contraceptive drugs at 100%
Breastfeeding support, supplies (pumps) and counseling at 100%
Services MUST be Preventive
Services MUST be done in a different calendar year
All services received from an out-of-network provider are subject to the out-of-network deductible and coinsurance, except for childhood immunizations, which are paid at 100%.

12. Nurse Line Benefits
Access to Care Advisors to help you with symptoms or answer health-related questions
How Can They Help?
Gain convenient access to quality care
Become better informed about healthcare
Gain confidence when speaking to providers
Become educated on self-care for non- urgent situations
Improve knowledge of drugs and medications
Registered nurses ready to take your call 24 hours a day…365 days a year!

13. Exclusively For Our Members
A value-added program exclusively for Blue KC members.
Helping you live healthy means more than regular doctor visits
Blue365® is a national program that is part of your Blue KC membership
Provides exclusive access to information, discounts, and savings
Blue365 can:
Add exclusive value-added extras to an already attractive and competitive benefit package
Be a strong health and wellness resource

14. NO St. Luke’s Hospitals Blue-Care HMO PCP: $30 (FP, GP, IM, Ped)
NASB Training
10/19/2017
Blue-Care HMO
PCP: $30 (FP, GP, IM, Ped)
Specialist: $60 (ENT, Derm, OB/Gyn)
Inpatient/Outpatient Copay
$250 per day/$250 per outpatient occurrence up to $1,250 per calendar year
Hi-Tech Scans (MRI’s, PET, CT, MRA Scans)
$100 copay
Only one copay will apply for each provider on a specified date of service even if multiple scans are performed
Urgent Care
$60 copay (Minute Clinics, Take-Care Centers)
Emergency Room
$100 copay (waived if admitted)
Routine Vision Care
$10 copay (one vision exam per year)
Center Point Medical Center
Children’s Mercy Hospitals
KU Medical Center
Lee’s Summit Hospital
Liberty Hospital
Menorah Medical Center
North Kansas City Hospital
Olathe Medical Center
Overland Park Regional
Providence Medical Center
Research Medical Center
Shawnee Mission Medical Center
St. Joseph Medical Center
St. Mary’s Medical Center
Truman Medical Center (Hospital Hill and Lee’s Summit)
NO St. Luke’s Hospitals 14

15. Preferred-Care Blue PPO Plan
NASB Training
10/19/2017
Preferred-Care Blue PPO Plan
In-Network
Out-of-Network
Deductible: Individual
$2,500
Deductible: Family
$5,000
Coinsurance (your share):
20%
40%
Inpatient or Outpatient Services
Deductible then 20%
Deductible then 40%
Radiology, Hi-Tech Scans
Office Visits
(includes lab services performed in office or network lab)
$40 copay
Urgent Care
Emergency Room
$100 copay then deductible then 20%
(copay waived if admitted)
Out-of-Pocket Maximum*: Individual
$4,500
$9,000
Out-of-Pocket Maximum*:
Family
$18,000
*Out-of-pocket maximum includes deductible, coinsurance and copays 15

16. Prescription Drug Coverage
NASB Training
10/19/2017
34 day supply
In-Network Pharmacy
Tier 1: $10
Tier 2: $50
Tier 3: $70
102 day supply
Express Scripts Mail-Order
Tier 1: $20
Tier 2: $100
Tier 3: $140
Certain drugs may require prior authorization, have quantity limitations or require step therapy (Generics First). Refer to for additional details.
Rx copays help satisfy OOPM 16

17. Consumer-Driven Tools
Explore the website for added value discounts,
Prescription drug costs, price health procedures
Choose the Right Health Care Setting
Generics vs. Brand Name Drugs.
Visit the website bluekc.com to find an In-Network Provider
Call Nurseline
Annual Physicals
Communicate with your Doctor
Participate in a Wellness Program
Consumer-Driven Tools

18. Active PPO PPOII Network
Type I
Type II
Type III
Type IV
Deductible
None
$50 / $150
Aetna Pays
(Participating Providers)
100%
80%
50%
(Non- Participating)
70%
40%
Covered Services
Dental X-rays
Routine Oral Exam
Cleaning – two each calendar year
Root Canal
Tooth Extraction
Composite Fillings
Complete or Partial Dentures
Crowns
Inlays/Onlays
Orthodontia ( to age 20)
Calendar Year Maximum
$1,000 per person for all services
N/A
Lifetime Maximum
$1,000

19. No ID Cards needed
Finding Providers
Go to ww.Aetna.com
Select PPOII Network

20. Flexible Spending Accounts
Information + Enrollment = Savings

21. FSA Benefit Buckets Available:
What is an FSA anyway? An FSA adds spendable income and covers many expenses. You may redirect part of your paycheck into a pretax account.
FSA Benefit Buckets Available:
IRS Determines Limits
1- HEALTHCARE FSA: Medical, Dental, Vision, Pharmacy & approved OTC.
$2,500
and/or
2- DEPENDENT CARE FSA: Daycare expenses.
$5,000
You can participate in one or both types of FSA

22. How will it benefit me? Paycheck Advantages: - Increased take-home pay
- Lower income taxes
$$ Double benefit $$
Average family of four in the U.S. can save hundreds of dollars in taxes. ….
Immediate availability of Healthcare account funds

23. Expenses covered? Medical & Dental Dependent Care
Deductibles & co-pays
Prescription drugs
Vision (exams, glasses, laser eye surgery, contact lens solution)
Diabetic supplies
Hearing Aids
Medical travel expenses
Chiropractic services
Dental (cleanings, fillings, orthodontia, dentures)
And many more! *Over the counter….what qualifies….
Dependent Care
Daycare (child under age 13)
Private Nanny or Babysitter
Adult Daycare

24. How to submit claims
Option 1: The Benny Card. The card is used at the point of service at hospitals, doctor’s offices and pharmacies. The card cannot be used to purchase over-the counter medication without a prescription. Save all receipts as you may be asked to substantiate your expense. Keep your Benny Cards!
NOTE: Grace Period is now available on Benny Card Swipes and Manual Claims for 75 days
For the 2014 plan year, the last day to use your 2014 funds is March 16, 2015
For the 2015 plan year, the last day to use your 2015 funds is March 16, 2016
Option 2: Paper Claims. Fax or mail a claim form to Phillips Resource Network with an Explanation of
Benefits (EOB) and/or receipt. Receipts must include a patient name, date of service, type of service and dollar amount.
2015 PLAN YEAR: On January 1, 2015, your Benny Card will be loaded with your new plan year dollars. Please DO NOT use your card to go back and pay for any services in 2014 past the 75 days.
2014 PLAN YEAR: 75 day extension on allowable expenses with an additional 30 days to submit claims from any monies remaining from the 2014 bucket.
Services must be incurred while actively employed and will be applied to the applicable plan year.

25. Use it or Lose it Rule after the 75 day grace period
Things to remember…
Choose plan election amounts carefully
Use it or Lose it Rule after the 75 day grace period
Contribution amounts can only be changed during the plan year due to a qualifying event (marriage or birth of a child, etc.)
Expenses are reimbursed through an FSA after they are incurred; pre-payments are reimbursed as services are received
Participation at any level will increase your take home pay!

26. We’re here to help!
PLEASE DIRECT QUESTIONS TO PHILLIPS RESOURCE NETWORK, INC.
OUR PHONE NUMBER AND ADDRESS IS ON EVERY CLAIM FORM.
REMEMBER BY ENROLLING IN THIS PLAN, THE MONEY YOU REDIRECT IS NOT SUBJECT TO FEDERAL, STATE, OR SOCIAL SECURITY TAXES!
Every employee must complete a 2015 FLEX form
even if waiving coverage or not making any changes

27. William Jewell College Employer Paid Benefits (All Full-Time Employees and All Regular Part-Time Employees and Adjunct Faculty who are enrolled in the Employer’s Group Health Plan)
Basic Life Insurance
1 times annual salary for employees
$50,000 minimum amount to $150,000 maximum
Dependent Life Insurance
$2,000 benefit for spouse
$1,000 benefit for children from 14 days to 20 (26 if full time student) years of age
Basic Accidental Death and Dismemberment
$25,000 for employees
Long Term Disability
60% of monthly salary to $5,000 maximum monthly benefit
Payable after 120 days of disability
Payable to later of age 65 or SSNRA

28. William Jewell College Voluntary (Employee Paid) Options (All Full-Time Employees and All Regular Part-Time Employees and Adjunct Faculty who are enrolled in the Employer’s Group Health Plan)
Voluntary Life
Choice of $10,000 increments of coverage for yourself not to exceed the lesser of 5 times salary or $500,000 maximum benefit for employees.
Choice of $5,000 increments of coverage for your spouse not to exceed ½ of employee amount or $250,000.
Choice of $5,000 increments of coverage for children after 6 months of age to a maximum benefit of $20,000.
You or your spouse may elect or increase coverage by one or two increment levels on a guaranteed acceptance basis during your company’s defined annual open enrollment period, provided that you or your spouse have not been previously declined for coverage or withdrawn a previous application for coverage.
Voluntary AD&D
Choice of $25,000 increments of coverage not to exceed 10 times salary or $500,000 maximum benefit for the employees on the Employee Only Plan or Family Plans
If elected, Spouse is provided 60% of employee amount when Children are not covered on the Family Plan.
If elected, Spouse is provided 50% of employee amount and Children are covered for 10% of the employee amount (not to exceed $15,000) when all are covered on the Family Plan.
If elected, Child is provided 15% of employee amount (not to exceed $15,000) if only Children are covered on the family plan.
There is an annual open enrollment
for coverage on Voluntary AD&D.

29. Eye Vision Plan Highlights
Exam and Materials Plan
(Select Network)

30. Eye Vision Plan Highlights
Materials Plan Only
(Select Network)

31. Voluntary Short-Term Disability
Guaranteed-issue Short-Term Disability
Guaranteed, renewable to age 70
Benefits paid regardless of any other insurance
3-Month Benefit for illness or off-the-job accident
$500 to $3000 in monthly benefit guaranteed issue
Waiting period defined by each individual’s needs
Partial disability benefit
Payroll deduction

32. Income Replacement Example
Jewell employees are provided long-term disability that begins after 120 days for an illness or off-the-job accident.
Aflac short-term disability can be purchased to provide income replacement for the first 90 days, reducing the income gap to only 30 days

33. Example: $34,000 Annual Salary Age: 18 - 49
14/14
14 calendar days waiting for an off-the-job accident
14 calendar days waiting for an illness
3 Month Benefit period
Qualify for $1,700 Monthly Benefit
$28.73 monthly premium

34. Example: $50,000 Annual Salary Age: 18 - 49
14/14
14 calendar days waiting for an off-the-job accident
14 calendar days waiting for an illness
3 Month Benefit period
Qualify for $2,500 Monthly Benefit
$42.25 monthly premium

35. Commerce Bank Special employee banking benefits No ATM fee when using the on-campus ATM located in Yates-Gill College Union

36. IMPORTANT Open Enrollment: November 3rd through November 21st
Forms to turn in:
2015 FLEX form
Any changes to other benefits*
Open Enrollment: November 3rd through November 21st
ALL applications and changes must be turned in no later than November 21st to the Office of Human Resources
*Examples of changes include:
Changing plan options
Adding or Removing dependents
Address or phone number changes
Changing beneficiary designation
If you have any additional questions please contact the Office of Human Resources.