1. TTU OPEN/ANNUAL ENROLLMENT WELCOME

2. Housekeeping Items CELL PHONES ARE YOU A BENEFIT ELIGIBLE EMPLOYEE  Full Time Faculty & Staff  Part Time for 24 months working minimum 27.8 hrs per week QUESTIONS/ANSWERS AT THE END OF PRESENTATION Many Thanks to the STEM Center Staff!!!!

3. FOCUS OF MEETING CHANGES TO THE HEALTH PLAN INFORMATION OVERLOAD  Summarize Changes  Navigate you through the available information  What is required of you ENROLLMENT KIT (some corrections) WEBSITE http://www.collegeofbusiness.info/openenrollment/ http://www.collegeofbusiness.info/openenrollment/ PARTNERS FOR HEALTH 1-866-741-6464 24/7

4. Open Enrollment 9/15/2010 – 10/15/2010 What you can do during Open/Annual Enrollment Enroll in Health Coverage Enroll dependent children up to age 26 for health & dental benefits. You must provide proof of dependent eligibility. Enroll in Flexible Spending Accounts Add, cancel or transfer Dental options Apply for or decrease Optional Term or Universal Life Coverage Apply for Long Term Disability Enroll in Optional Special Accident NO GUARANTEE OF FUTURE OPEN ENROLLMENTS

5. Open Enrollment 9/15/2010 – 10/15/2010 What you MUST do during Open Enrollment Select a Health Option – Partnership or Standard Select an Insurance Carrier – Blue Cross or Cigna Select the Premium Tier Complete the new enrollment form and turn in to TTU HR no later than 4:30 pm 10/15/2010. If you are currently enrolled in the State’s Health Plan – you must complete a new enrollment form OR you will be enrolled in the Standard PPO with the lowest cost carrier. No changes until next Annual Enrollment

6. Plans to Choose From Effective January 2011, we have two new health options. Partnership PPO Standard PPO Cover the same services, treatments and products. Your costs, including premiums, deductibles, co-pays, co-insurance and out-of- pocket maximums will always be less with the Partnership PPO

7. To Do List Before Deciding Check to see if your Doctor is in the new network. http://www.collegeofbusiness.info/openenrollment /network-directories http://www.collegeofbusiness.info/openenrollment /network-directories Review the deductible, co-insurance, co-pays and out of pocket maximums http://www.partnersforhealthtn.org/documents/P arTNers_for_Health_PPO_Comparison_Chart.pdf http://www.partnersforhealthtn.org/documents/P arTNers_for_Health_PPO_Comparison_Chart.pdf Read the Partnership Promise http://www.partnersforhealthtn.org/resources/wh ats_new_stories/may2010/talking_partnership.asp http://www.partnersforhealthtn.org/resources/wh ats_new_stories/may2010/talking_partnership.asp

8. To Do List Before Deciding PREMIUMS FOR HEALTH PLANS http://www.partnersforhealthtn.org/documents/R_Prem_Chart _CS_Higher_Ed_Active_081210.pdf

9. Active Employee – NOT Currently Enrolled If you want to enroll in the health plan, you must complete the enrollment form. If enrolling dependents, you will need to provide proof of eligibility. There is a Monthly Late Applicant Fee http://www.partnersforhealthtn.org/premiums/l ate_applicant_fee.asp http://www.partnersforhealthtn.org/premiums/l ate_applicant_fee.asp There is a pre-existing condition exclusion of up to 12 months. This does not apply if you provide creditable coverage documentation.

10. DENTAL INSURANCE You can enroll or transfer between the dental options These plans have not changed. If you do not want to make any changes…DO NOTHING. Two options to choose from Prepaid Plan - Assurant Preferred Dental Organization – Delta Dental Plan Comparison http://www.partnersforhealthtn.org/your_other_benefits/d ental.asp#plan http://www.partnersforhealthtn.org/your_other_benefits/d ental.asp#plan Premiums http://www.partnersforhealthtn.org/documents/U_Dental_ Rates_081210.pdf http://www.partnersforhealthtn.org/documents/U_Dental_ Rates_081210.pdf

11. HOW TO ENROLL http://www.partnersforhealthtn.org/documents/F_AETP_O pen_Enrollment_081210.pdf http://www.partnersforhealthtn.org/documents/F_AETP_O pen_Enrollment_081210.pdf Must print legibly and in ink or typed Must put Edison ID#. Your Edison ID# is the ID on your Caremark Prescription Card. Must complete all information Sign and date form Run a copy for your records, bring both original & copy to HR. HR will date stamp both for your records. HR cannot run copies for you. DEADLINE: 4:30 PM OCTOBER 15, 2010 – NO EXCEPTIONS!

12. Accident, Life Insurance & Long Term Disability Optional Special Accident –Rates and info available at http://www.tn.gov/finance/ins/pdf/life_basic.pdf http://www.tn.gov/finance/ins/pdf/life_basic.pdf Enrollment Form http://www.tn.gov/finance/ins/pdf/0831.pdf http://www.tn.gov/finance/ins/pdf/0831.pdf Optional Universal Life and Term Life – contact Unum Group at 1-866-310-6784 regarding enrollment, increase and/or decrease in coverage. Long Term Disability – If you want to enroll, come by the TTU HR office and ask for a package

13. Flexible Benefits Plan Open Enrollment 9/15/2010 – 10/15/2010 Period of Coverage 1/1/2011 – 12/31/2011 Medical & Dental Premiums will automatically be paid on a pre-tax basis. If you do not wish to pay premiums on a pre-tax basis – you MUST complete the WAIVER box at the bottom of the Flexible enrollment form. You must complete the enrollment form if you want to tax shelter any medical or dependent care expense other than the premiums. Effective 1/1/2011, certain Over-the-Counter drugs and medicines will no longer be eligible for reimbursement without a prescription from your doctor. For more information go to www.myFBMC.com SELECTIONS MADE IN PREVIOUS YEARS DO NOT CONTINUE AUTOMATICALLY

14. Flexible Benefits Plan Reference Guide http://www.collegeofbusiness.info/openenroll ment/11tbrbook.pdf http://www.collegeofbusiness.info/openenroll ment/11tbrbook.pdf Enrollment Form http://www.collegeofbusiness.info/openenroll ment/11tbrform.pdf http://www.collegeofbusiness.info/openenroll ment/11tbrform.pdf

15. CURRENT COVERAGE How to find your current benefits 1.Banner Self Service – under benefits, tells you everything you are currently enrolled in and the current premiums. http://www.tntech.edu/ http://www.tntech.edu/ 2.Look at your health insurance card and then go to http://www.tn.gov/finance/ins/pdf/comp10. pdf http://www.tn.gov/finance/ins/pdf/comp10. pdf

16. WRAP-UP WEBSITE http://www.collegeofbusiness.info/open enrollment/ http://www.collegeofbusiness.info/open enrollment/ PARTNERS FOR HEALTH 1-866-741-6464 24/7 QUESTIONS AND ANSWERS