1. Antioch University Open Enrollment Presentation
November, 2010

2. Medical Benefits - What are my options?
Benefit options for 2011:
Anthem PPO Plan
Anthem Lumenos Health Savings Account (HSA)

3. Your 2011 Anthem PPO Plan PPO Medical Benefits Network Benefits
Deductible
$400/$800
Coinsurance
85% Plan, 15% Member
Out of Pocket Maximum
$800/$1,600
Office Visits
$20 copay
Preventive Care, not Diagnostic
Emergency Room
$75
Urgent Care
All Other Covered Expenses
Deductible + 15%
These benefits denote in-network coverage. Please refer to the complete benefit summary for out-of-network benefits and other benefit details which differ from the amounts noted above.

4. PPO Prescription Benefits
Your 2011 Anthem PPO Plan
PPO Prescription Benefits
Retail
Tier 1
$10 copay
Tier 2
$30 copay
Tier 3
$40 copay
Mail
$20 copay
$50 copay
$70 copay

5. HSA – How It Works + High Deductible Insurance Health Savings Account
Protects you from big
Medical bills
High
Deductible
Insurance
Helps pay your deductible
Health
Savings
Account
Plan +
Tax-deductible deposits
Health
Savings
Account
Tax-deferred growth
Tax-free for medical care

6. Opening Your Health Savings Account
Banks, credit unions, insurance companies and other financial institutions are permitted to be trustees or custodians of these accounts. YOU MUST OPEN YOUR OWN HSA ACCOUNT to deposit your HSA Contributions. Account should be open before 1/1/2011.
If you cannot locate a local institution willing to establish your account, try visiting a link recommended by the U.S. Department of the Treasury.

7. HSA – Who can not have one?
Anyone can enroll in the HSA plan, but you can not open the HSA bank account if you are:
Enrolled in Medicare
Enrolled in any other health plan that is not an HSA compatible health plan
Active in the military
Claimed as a dependent on another individual’s tax return
The IRS has specific rules on who can open an HSA.

8. HSA Eligible Expenses
The IRS determines which health care services are eligible for reimbursement by your HSA, up to $3,050 single and $6,150 family. Examples of eligible expenses are:
Medical services applied to your deductible or out of pocket maximum under your Anthem HSA plan
OTC medications with a prescription
Dental expenses
Vision Expenses
(Medical expenses incurred by or on behalf of domestic partners or their children are ineligible for tax-free reimbursement from an HSA, unless the domestic partner qualifies as a dependent under IRC section 152.)
A Limited Purpose FSA can be set up for dental or vision expenses not reimbursed through HSA. Infrequently selected, this option is normally chosen when high-dollar expenses are being expected (braces, laser vision correction) and plan members want to protect their HSA dollars.

9. HSA Contributions Antioch University - Annual Contributions:
* January: $300 Contribution, April – December: $100/mo ** January: $600 Contribution, April – December: $200/mo.
2011 Annual HSA Contribution Maximums
(includes Antioch University Contributions):
Single: $3,050
Family: $6,150
Catch Up Provision for those that are 55+ is $1,000 for 2011.
Employee
$1,200*
Employee + 1
$2,400**
Employee + 2 or More

10. Your 2011 Anthem HSA Plan
Enrolling in this plan gives you the opportunity to open a Health Savings Account (HSA) and enjoy lower payroll contributions
HSA Medical Benefits
Network Benefits
Deductible
$2,500/$5,000
Coinsurance
100% Plan, 0% Member
Out of Pocket Maximum
After deductible is met, rx copays apply
$3,500/$7,000
Office Visits
Deductible + 0%
Preventive Care, not Diagnostic
100%, no Deductible
Emergency Room
Urgent Care
All Other Covered Expenses

11. HSA Prescription Benefits
Your 2011 Anthem HSA Plan
After deductible is met, the following copays apply for all prescriptions until your copays equal $1,000 (single) and $2,000 (family) out of pocket.
HSA Prescription Benefits
Retail Tier 1
$10 copay
Tier 2
$30 copay
Tier 3
$50 copay
30 Day Supply Tier 4
25% up to $150 maximum
Mail Tier 1
$75 copay
$150 copay

12. Health Savings Account – IRS Limits for 2011
Single Family
Coverage Coverage
Annual HSA Contribution Max $3,050 $6,150
These limits apply to the combined employer and employee contributions
Limited Purpose FSA Contribution Max $4, $4,000
Catch-Up Contribution $1,000 $1,000
Allowed if age 55 +

13. Earn Rewards – HSA Participants Only
Earn gift card reward dollars for activities that contribute to your health and well-being:
$50 for completing the online MyHealth Assessment (one per family)
$100 for enrolling in a health coaching program for an eligible condition (per qualified family member)
$200 for graduating from a health coaching program for an eligible condition (per qualified family member)
$50 for completing the Healthy Lifestyles: Tobacco-Free Program (per qualified employee and/or spouse)
$50 for completing the Healthy Lifestyles: Healthy Weight Program (per qualified employee and/or spouse)
Our strategy with Anthem’s Lumenos plans is based on a philosophy of health improvement. We want you to first and foremost understand your health and health risk factors. That’s why we created incentives to complete the MyHealth Assessment – it’s a critical first step. The goal is to assist those with low health risk factors to stay low risk and we want those with a higher health risk level to decrease their risk factors. Most of our products include Healthy Reward incentives.
Healthy Rewards incentives are used to motivate people to get healthy and stay healthy. You may earn rewards for using certain tools and services that help maintain and improve your health. Examples of Healthy Rewards incentives include rewards for completing the on-line MyHealth Assessment, enrolling and completing the Personal Coach Program, completing the Tobacco Treatment Program or the Weight Management Program. For the Health Coach Program, there are Healthy Rewards incentives for both enrolling in the program and for completing it.
Incentives come in the form of gift cards that typically range from fifty dollars to two hundred dollars. Gift cards can then be redeemed at select health-focused retailers. Let’s take a look at how to redeem your Healthy Reward incentives.

14. Redeem Rewards – HSA Participants Only
Redeem your rewards dollars for gift cards to select health-focused retailers like:
Dick’s Sporting Goods
Foot Locker
The Athlete’s Foot
City Sports
And More
The process is simple:
Earn your reward dollars
Receive a letter from IncentOne, which includes a code and password and instructions for redeeming your gift card reward online or by phone
Select from available retailers and redeem your gift card reward
Receive your gift card by mail
You can redeem your Healthy Rewards for gift cards to the following retailers. The gift cards may be used to purchase merchandise at retail locations or online for companies with online shopping available.
Bally Sports Clubs
Bally Total Fitness
CVS
Dick’s Sporting Goods
Foot Action
Foot Locker
HoMedics
Modells.com
When you earn Healthy Rewards, you receive a letter at home from our partner, IncentOne, with a unique code and password. You can then redeem the incentive online or by phone for a gift card from the above list of select retailers, and the gift card will be mailed to you.
While the gift cards function just like cash to purchase merchandise from the chosen retailer, they cannot be redeemed by the retailer for cash. Healthy Rewards and redemption certificates do not expire, but the actual, redeemed gift cards could expire based on the individual terms and conditions of the selected retailer. You can save up your Healthy Rewards and redeem them at a later date for one gift card in a larger amount or split out your Healthy Rewards dollars across multiple retailers. Finally, you can give the gift card to someone else - you can even have the gift card mailed directly to someone else at the time of redemption.
Gift cards constitute taxable income to the recipient. If the gift cards are used for qualified medical expenses, the individual might qualify for an itemized deduction for medical expenses.
Spa Finder
SportsChalet.com
SportMart.com
The Sports Authority
Vitacost.com
Dunhamsports.com
Fruit of the Month Club
Kids Foot Locker

15. Two Fundamental Questions
How much do I have to pay out of my pocket when I use the health insurance plan?
How much does the health insurance plan cost out of my paycheck?

16. How much do I pay when I use the insurance?
Network Medical Benefits
PPO
HSA
Deductible
$400/$800
$2,500/$5,000
Coinsurance
15% 0%
Out of Pocket Maximum
After Antioch HSA Contribution
$800/$1,600
$3,500/$7,000
$2,300/$4,600
Office Visits
$20 copay
Deductible + 0%
Preventive Care, not Diagnostic
100% - No Deductible
Emergency Room
$75
Urgent Care
All Other Covered Expenses
Deductible + 15%
These benefits denote in-network coverage. Please refer to the complete benefit summary for out-of-network benefits and other benefit details which differ from the amounts noted above.

17. How much do I pay when I use the insurance?
Prescription Benefits
PPO
HSA
Out-of-Pocket Application
Copays do not apply to Out-of Pocket Max
Copays apply after deductible, until $1,000/$2,000 copay max, then 100% coverage
Retail Tier 1
$10 copay
Tier 2
$30 copay
Tier 3
$40 copay
$50 copay
30 Day Supply Tier 4
See Tier 3
25% up to $150 max
Mail Tier 1
$20 copay
$75 copay
$70 copay
$150 copay

18. How much do I pay to have the insurance?
Bi-Weekly Contributions:
PPO
HSA
Employee Only
$57.34
$46.39
Employee + 1
$124.21
$94.65
Employee + 2 or More
$185.08
$143.83
Monthly Contributions:
$124.24
$100.52
$269.14
$205.08
$401.01
$311.63

19. Anthem’s Online Health Tools
MyHealth Assessment
Preventive Care Guides
MyHealth Record
Condition Centers
Surgical Guides and Hospital Comparisons
Traditional and Alternative Health Library
And more
Be sure to mention:
The preventive care guides show you what’s recommended for people of your age and gender. You can print them and take them with you to your doctor.

20. Flexible Spending Account vs. HSA
Health Savings Account
No use-it-or-lose-it
No election required
Portable
Use of accumulated account balance only
You have total control
Must be in a HDHP
IRS Form 8889
Flexible Spending Account or
Limited Purpose FSA
Use-it-or-lose-it
Claim must be filed
Annual binding election
Not portable
Access to entire elected amount immediately
Any IRS-approved health expense

21. Open Enrollment Procedures
Review your enrollment package thoroughly.
If you are making any changes to your current Anthem medical election or dental benefits administered by MedBen, you MUST complete an enrollment form.
In order to participate in the FSA or Limited Purpose FSA benefits, you MUST complete an enrollment form.
Forms are available in the HR Office and must be completed no later than December 3, 2010.