1. EMPLOYEE BENEFITS MEETING Plan Year:

2. Introduction
Presented by:
Benefit Administration Company, LLC.

3. Today’s Agenda Review health care coverage Review other benefits
Assess health care trends and health care review process
Overview of benefit plan changes and rates
Learn how to maximize your benefits
Review other benefits
Dental coverage
Short-term disability, long-term disability and life insurance
Understand next steps
Open enrollment

4. Rising Health Care Costs: A National Trend
Why are health care costs increasing?
Aging population
Increased utilization and consumer demand
Reduction in provider discounts
Increase in prescription drug costs
Consolidation of managed care companies
New medical technology

5. ’s Annual Medical Plan Review Process
Decided to remain with for next plan year
Proud to offer a competitive, comprehensive package with excellent provider access
This plan will allow us to continue to pursue our company goals

6. Annual Medical/Rx Plan Cost Per Employee
This slide displays sample data. To insert your own data, right-click on the chart and choose “Open Chart Object” or “Edit Data,” depending on your software version.
Insert your employee contribution, employer contribution and projected national average data for the applicable years. Be sure to change the axis labels as needed (e.g., applicable years, local or national projections)
Close the worksheet to return to main slide.
Click on the figures for total employee cost above each bar to change to your total per employee cost per year (employee contribution + employer contribution).
Click on each legend item at the right to insert your employee and employer contribution percentages.
Click on this yellow “comment” box and press “delete” on your keyboard to delete these instructions from your presentation.
$11,146

7. Highly Utilized Services by Major Diagnostic Category (MDC)
Percentage Above the Norm
Description
Circulatory
12.8%
Heart disease, circulation disorders, diseases of the arteries
Musculoskeletal
11.9%
Arthritis, bone and joint disorders, muscle and ligament disorders
Pregnancy
4.6%
Any and all claims related to pregnancy, delivery or pregnancy-related complications
Injury or poison
7.8%
Bone fractures, joint sprains, dislocations, internal injuries, open wounds
This slide contains sample data. Click on each box to edit. Insert data from DMW or claims information from your carrier.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

8. Office Visit Utilization
Most Utilized Services
Common cold
Chiropractic visits
Pharyngitis (sore throat)
Ear infections
This slide contains sample data. To insert your own data, right-click on the chart and choose “Open Chart Object” or “Edit Data.”
Insert your data for local (or insert national) average and actual visits.
Close the worksheet to return to main slide.
Click on “Most Utilized Services” at the right to edit the list (or you can delete it entirely).
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

9. Handling Rising Health Care Costs
Continue [insert percent here] percent employer cost sharing
Continue cost sharing for highly utilized services
Limiting our exposure to high health care expenses

10. Plan Design Changes Health Plan A Health Plan B
[Insert highlights of plan design changes; for example, some modifications to coverage levels]
Health Plan B
[Insert highlights of plan design changes; for example, lower employee contributions, higher deductibles or higher out-of-pocket maximums]

11. Plan Design Changes Benefit In-network Care Out-of-network Care
Deductible
Current
$250 Single/$750 Family
$250 Single/ $750 Family
2018–Plan A
$350 Single/$1,050 Family
2018–Plan B
$1,000 Single/$3,000 Family
Coinsurance
90%
80%
2018
70%
Out-of-pocket Maximum
$1,000 Single/$2,000 Family
$3,000 Single/$6,000 Family
$1,200 Single/$2,400 Family
$2,000 Single/$4,000 Family
$3,500 Single/$7,000 Family
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

12. Plan Design Changes Benefit In-network Care Out-of-network Care
Office Visits
Current
$15 copay
80% after deductible
2018
$20 copay
70% after deductible
Routine Care
$15 copay, then 100%
Not covered
$20 copay, $300 max per year (Max excludes mammogram, paps, prostate antigen testing, well-baby checkups up to age 2)
Emergency Room
$50 copay (waived if admitted)
$50 copay, 90% after deductible
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

13. Plan Design Changes Benefit In-network Care Out-of-network Care
Chiropractic Copay
Current
$15 copay
80% after deductible
2018
$25 copay
70% after deductible
Inpatient Hospital Copay
None
$100/day up to $300 max/visit
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

14. Rate Changes Effective : Coverage Level Current 2018 Plan A
2018 Plan B
Employee $
Employee & Spouse
Employee & Children
Family
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

15. Medical and Prescription Claims
Insurance Carrier
Account
Claim payments up to $00,000
$000 Deductible
00% / 00% Coinsurance
Physician office or prescription copayments
$00,000
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information. To lengthen or shorten a box or an arrow, simply click and then drag it in the direction you prefer.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.
$0,000 maximum out-of-pocket
(excludes copay)

16. Maximizing Your Benefits
Utilize network providers to limit your out-of-pocket expenses.
Visit [carrier_website] to see a complete list of online services.
Use mail order pharmacy benefit to lower costs.
Use generic medications when possible.
Follow prescription dosage instructions carefully.

17. Dental Plan Highlights
Summary of Benefits
Individual Deductible
$50
Annual Benefit
$1,000
Orthodontia Lifetime Benefit
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

18. Dental Plan Highlights
Covered Services
Type I Expenses (Preventive Services)
100%
Type II Expenses (Basic Services)*
65%
Type III Expenses (Basic Services)*
35%
Type IV Expense (Orthodontia Services)
* Subject to deductible
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

19. Dental Plan Rates Biweekly Dental Premiums Current 2018 Plan
Individual Coverage $
Family Coverage
This slide contains sample data. To edit the table to include your own data, click on each box within the table, highlight the text and enter the correct information.
Click on this yellow “comment box” and press “delete” on your keyboard to delete these instructions from your presentation.

20. Company-paid Benefits
Short-term Disability (STD)
[Insert coverage details]
Long-term Disability (LTD)
Life and Accidental Death & Dismemberment (AD&D)

21. Next Steps Open enrollment deadline: [insert deadline here]
Medical, dental and FSA benefits (see Employee Benefits Enrollment Guide for details)
Guidelines for adding or waiving coverage
No enrollment for medical/dental after open enrollment period (unless due to a qualifying event)
Qualifying events as defined by law
Examples include: birth, adoption, marriage, divorce, loss of job, or loss of coverage due to a reduction in hours or death

22. Resources [carrier_website]
has a comprehensive website with a variety of health and wellness resources
You can also access your plan’s provider directory and view eligibility and claims information online

23. Resources
[Insert other carrier resources, such as a nurse line, customer service phone number, dedicated customer service representative, etc.]
[Insert details about these resources]

24. Questions? Please direct questions regarding employee benefits to: