1. 2017 OPEN ENROLLMENT & BENEFIT UPDATE

2. STATE’S APPROACH We closely monitor our benefit costs.
We offer wellness initiatives and encourage our employees to be proactive about their health.
We seek to offer a total benefits package that is superior to our competitors, while remaining affordable.
Despite our best efforts, like most employers, benefit costs continue to rise at an alarming rate.

3. MEDICAL CHANGES FOR 2017 - GOOD NEWS!
We are NOT changing carriers for 2017, we will continue to offer a variety of plans through Blue Cross Blue Shield to meet you and your family’s needs.
Employees who participated in the wellness program and earn 400 points will enjoy cost savings of $1200 for the year of 2018.
We are offing Live Health Online copayment of $10.

4. 2017 Medical Program Plan Features In-Network Gold In-Network Silver
In-Network HSA
Calendar Year Deductible
$1,000/Individual
$2,000/Family
$1,500/Individual
$3,000/Family
$2,600/Individual
$5200/ Family
Calendar Year Maximum
Out of Pocket
$3,200/Individual
$6,400/Family
$3,800/Individual
$7,600/Family
$4,000/Individual
$8,000/ Family
Coinsurance (amount you pay)
20% after deductible
0% after deductible
Preventive Care
No Charge
Physician Office Visit/SPC
$25/$40 Copayment
$30/60
$30/60 after deductible
LiveHealth Online
$10 Copayment
$10 after deductible
Urgent Care
$75 Copayment
$60 after deductible
Emergency Room Services
$250/20%
$250 after deductible
Hospital Services
Diagnostic Lab and X-ray
Prescription Drugs -Retail
4 tier structure
$10/25%to$100/50% to $200
$10/25%/50%/50% after deductible
Physician office visit copays, ER and urgent care copays, and prescriptions do not count toward your
deductible, but do accumulate toward your out-of-pocket maximum. The annual deductible is included in
the out-of-pocket maximum.

5. OUR COMMITMENT TO YOUR WELLNESS
State is committed to the health of our employees.
We continued to offer the Incentives for Health Program
in 2017.
Again, members who participated in this program will enjoy cost savings of premiums in the amount of $1200 for 2018.

6. OUR COMMITMENT TO YOUR WELLNESS
Beginning after January 1, 2017 – we will be updating the Incentives For Health program to provide an even more meaningful and robust reward to employees.
Participation in the 2017 Incentives For Health Program will qualify you for incentives in 2018, look for more details after January 1st!
Tobacco users will pay $100 surcharge per month (this has not changed from last year)

7. TOBACCO FREE DISCOUNT
Your status can be found on your personalized Benefit Enrollment Statement.
If your status has changed, and if not reflected on the Benefit Enrollment Statement please complete the Tobacco Use Affidavit Form and return to HR.
Our plan offers assistance with cessation from tobacco products. We will be offering even more programs in 2017, more information will follow in January.

8. 2015 DENTAL MORE GOOD NEWS!
Delta Dental is very popular across State Industrial Products and employees have positive feedback concerning the dual programs offered, benefit levels in each of these programs and affordable employee contributions.
In 2017, there will be no employee contribution increase on the dental program.

9. $1,500 per eligible person per year for all services
2017 Dental Program - PPO
Plan Features
In-Network
Premier Dentist
Out of Network
Calendar Year Deductible
$50 per person
$150 family maximum
Calendar Year Maximum
$1,500 per eligible person per year for all services
Diagnostic & Preventive Services
100% covered
100%
Basic & Restorative Services
20% after deductible
30% after deductible
Major Services
40% after deductible
60% after deductible
Orthodontia
(up to age 19)
50%
$1,500 lifetime maximum
40%
Find a Delta Dental PPO
Dentist
Visit
and click “Find a Dentist” and
then “Delta Dental” to find an
in-network dentist near you. Look
for dentists in the PPO network or
Premier Network.

10. 2017 Dental Program-HMO Plan Features In Network Only
Calendar Year Deductible
None
Calendar Year Maximum
Diagnostic & Preventive Services
Set Copayments
Basic & Restorative Services
Major Services
Orthodontia
(up to age 19)
Set fee’s

11. OTHER IMPORTANT BENEFITS
EAP/Employee Engagement
New program offered to employees through ComPsych
Vision Coverage
Carrier is changing to Anthem BCBS- Blue View Vision
Life Insurance / STD / LTD
Carrier is remaining the same – The Hartford
Flexible Spending Accounts
Carrier is remaining the same -CBIZ

12. $25 Copay Up to $130 allowance
2017 Vision Program -Blue Vison
Plan Features
Exams
In-Network Frames
In-Network Contact Lenses
Core Plan A
$10 copay
Once every 12 months
up to $130 allowance
Once every 24 months
$25 Copay Up to $130 allowance
Contact Lenses-
Instead of eyeglasses
Elective Conventional Lenses
$130 allowance, 15% off remaining balance
Elective Disposable Lenses
$130 allowance
Non-Elective Contact Lenses
Covered in Full
The Core Plan A + Lens and the
Buy-up Plan B + Lens provide benefits
for additional lens options, such as
progressive lenses, high index and
blended bi-focals, scratch and antireflective
coating

13. LONG-TERM DISABILITY
LTD rates have not increased in many years and 2017 is no exception.
The LTD benefit is salary and age rated
Please refer to your Personalized Benefit Form for your enrollment status for 2017.
If you wish to elect LTD and have not enrolled in the past, your enrollment may be contingent upon completion and approval of an Evidence of Insurability Form.

14. EMPLOYEE ASSISTANCE PROGRAM – NEW AND FREE!
Our EAP will be administered by ComPsych.
At no expense to you, the GuidanceResource EAP provides confidential services for you or immediate household family members.
ComPsych isn’t just a resource for stress or emotional issues. ComPsych can provide referral resources to all members of your household for services ranging from:
Legal Guidance
Financial Counseling
Grief Counseling Services
Community Resources
Daycare Referral and Ranking Services

15. FLEXIBLE SPENDING ACCOUNTS
The FSAs will continue to be offered through CBIZ.
You will NOT receive new Healthcare FSA debit cards, if you are re-enrolling for the 2017 plan year – they do not expire until December 201.
More Good News!!!! Any unused money, up to $500 on your 2016 FSA, will rollover into the 2017 plan year. This amount will automatically roll over and get loaded (with your 2017 contributions) onto your North Coast debit card.

16. HOW ANTHEM BCBS EFFECTS YOU
This year you will receive NEW ID cards at the end of the year. You will need to use these new ID cards to access benefits. These ID cards will include your new vision plan.
You will receive 2 ID cards per family. If you require more ID cards, you can simply log in to anthem.com to order more.
Please make sure to give BOTH your doctor’s office and your pharmacy your new insurance information.
Have a smartphone? Download the Anthem BCBS app where you can find information on service cost, prescription ordering and even an electronic version of your ID card.

17. MAKING THE PLAN WORK FOR YOU
Save yourself time and money by taking the time to understand your benefits before you need or use them.
Communicate with your primary care provider:
BEFORE your visit – when making the appointment. Be specific about the services you expect and how you understand them to be coded, billed, and paid via insurance.
DURING your visit – when talking about your needs and expectations with your physician. Be sure to discuss insurance items with your physician and ask your doctor about how items are being coded.
AFTER your visit – double check coding and ask for clarification before you leave the office so you have a better understanding of how items will be billed.

18. All benefit information is located in one spot!!
All benefit information is located in one spot!!
What can I find here…
Information on Medical, Dental, Vision, Life Insurance, Long and Short Term Disability, Flex Spending, Forms, Benefit Summaries….
…and the list goes on!

19. HEALTHCARE EXCHANGES
The Marketplace is designed to help individuals find health insurance that meets their needs and fits their budget.
State Industrial’s health plan qualifies as being affordable, as defined by the Healthcare Reform Law.
Should an employee choose not to enroll in the State Industrial Product’s health benefit plan, there are other options listed on the Marketplace Exchange available to the employee.
You can visit for more information.

20. Changes for 2017 Vision carrier changing to Anthem
No wellness 2017 you have a $100 monthly surcharge in 2018
Wellness point increased to 400 for 2017 for 2018 premium reduction
Live Health Online copayment reduced to $10
Adding Dependent life with Hartford
Employee Voluntary life going to flat dollar amount

21. QUESTIONS?