1. 2014 Annual Benefits Enrollment Presented by OSU Human Resources

2. Web for Employees http://webemp.okstate.edu/ Available from 8:00am Tuesday, October 1, until 6:00pm Thursday, October 31, 2013 Review your benefit enrollments for 2014 and make changes 2014 Annual Benefits Enrollment

3. Review Your Benefit Enrollments Health Care Flexible Spending Accounts Dental Vision Long-Term Disability Cancer Protection Life

4. 2014 Benefit Update Premium Changes Dropping BlueChoice Health Expanded ACA Benefits Tobacco Free Incentive

5. 2014 Health Care Insurance Plans BlueOptions BlueEdge High Deductible

6. BenefitsBluePreferred Network BlueChoice Network Out of Network CopaymentsPrimary Care Physician $30.00 Specialist $50.00 DeductibleIndividual $750.00 Family $2,250.00 *If there is a family of three or more and the combined deductible (with no one member's deductible being more than $750.00) reaches $2,250.00 then the family deductible is met. Deductible credit of $250.00 for Employee and Spouse when the online Health Assessment is completed between July 2013-December 2014. Coinsurance80% of allowable charges after deductible is met 70% of allowable charges after deductible is met 50% of allowable charges after deductible is met Out of PocketIndividual - $4,250 *Family $12,700 (does not include out-of-network charges) *If there is a family of three or more and the combined out of pocket (with no one member's out of pocket being more than $4,250) reaches $12,700 then the family out of pocket is met. BlueOptions PPO

7. BlueEdge High Deductible BenefitsBlueChoice NetworkOut of Network CopaymentsThere are no office visit copayments under the BlueEdge plan design Deductible includes pharmacy Individual $1,500 Family $3,000 *For family coverage (2 or more covered members) the family deductible must be met. This can be met by one family member or a combination of family members. Deductible credit of $250.00 for Employee and Spouse when the online Health Assessment is completed between July 2013-December 2014. Coinsurance80% of allowable charges after deductible met 50% of allowable charges after deductible is met Out of Pocket Includes pharmacy Individual - $4,000 *Family $8,000 (does not include out-of-network charges) *For family coverage (2 or more covered members) the family out of pocket must be met prior to insurance paying 100% of allowable charges. This can be met by one family member or a combination of family members.

8. 2014 HealthCare Premium Chart BlueOptionsTotalOSU Pays Employee Pays Employee Only $ 491.40 $ 451.40 $ 40.00 Employee+Children $ 890.70 $ 603.50 $ 287.20 Employee+Spouse $ 1,230.50 $ 841.36 $ 389.14 Family $ 1,618.86 $ 1,113.20 $ 505.66 BlueEdgeTotalOSU Pays Employee Pays *Employee Only $ 390.94 $ 370.94 $ 20.00 Employee+Children $ 708.66 $ 603.50 $ 105.16 Employee+Spouse $ 978.96 $ 841.36 $ 137.60 Family $ 1,287.62 $ 1,113.20 $ 174.42 If you certify you are tobacco free you will receive a $20 credit. *BlueEdge Employee-Only will incur a $20 premium and $80.46 will be placed in a HSA.

9. Prevention and Wellness Wellness Exams Immunizations Early Detection Exams & Testing Bone Density, Colorectal, Gynecological, Mammograms, PSA BlueAccess & Well On Target Health Assessment, 24/7 Nurseline LifePoints, Health Tools & Management

10. Affordable Care Act (ACA) January 1, 2014 – No Pre-existing limitations – No Annual Limitations – Deductible & Co-pay Amounts Paid Towards Out-of-Pocket – Individual Coverage Mandate – Annual Fee on Health Insurers

11. Deductible Credit Complete Health Assessment (HA) on BlueAccess for Members – Receive a deductible credit of $250 – Available on both plans for 2014 Enroll in Special Beginnings (BlueOptions Only) – Receive a deductible credit of $250 – Can be combined with the HA deductible credit – First trimester enrollment is required

12. Health Assessment Screenings Schedule your Health Assessment with Catapult www.timeconfirm.com/okstate November 5&66:30a.m.-12:30p.m.Atherton Hotel2 nd Floor Wine Rm November 12&136:30a.m.-12:30p.m.Whitehurst106B December3&46:30a.m.-12:30p.m.Whitehurst106B December 56:30a.m.-12:30p.m.Seretean Wellness Center 1 st Floor Extended Dining

13. Condition Management Programs Additional BlueOptions Benefit Diabetic Condition Management Program – Receive a reduction in pharmacy cost Preferred name brand copays reduced to $10.00 for one month supply – Enrollment required to receive pharmacy benefit Coronary Artery Disease Condition Management Program Preferred name brand copays reduced to $10.00 for one month supply – Enrollment required to receive pharmacy benefit

14. Waive Health Care Insurance OSU provides health care insurance to all eligible employees May waive coverage for other group coverage or for religious reasons OSU will contribute $200 a month to a flexible spending or dependent care account Form must be submitted each year Two-part process on Web for Employees

15. Flexible Spending Account (FSA) Healthcare FSA – Current participants need to re-enroll for 2014 – Pre-funded account administered by WageWorks – Receive a WageWorks debit card – $2,500 annual maximum employee contribution

16. Flexible Spending Account (FSA) Healthcare FSA – Use for qualified out-of-pocket medical expenses – Keep receipts or statements – Use it or lose it plan Plan year ends March 15 of the following plan year Minimum Annual Goal $120 www.wageworks.com

17. Health Savings Account Health Savings Accounts (HSA) – Administered by Mellon Bank – $3,300 annual individual maximum – $6,550 annual family maximum – $1,000 catch up for age 55 and over – Use for qualified out-of-pocket medical expenses – Not a use it or lose it plan Funds available at the end of the Plan Year roll over Minimum Annual Goal $120 www.hsamember.com

18. Dependent Care Spending Account DCA is separate from FSA Eligible Children under the age of 13 Before and after school care is acceptable $5000 annual maximum – $2500 per parent if both are contributing

19. Dental and Vision Insurance 2014 Employee Benefits Option Guide is available online at http://hr.okstate.edu If you cover one dependent, you must cover all dependents unless they have other group dental or vision coverage Minimal change in premiums For provider listings, ok.gov/sib

20. Optional Cancer Coverage Apply direct American Fidelity - Cancer Link available on Web for Employees Enroll during October to tax-shelter premiums for 2014

21. AFA Long-Term Disability No premium changes in 2014 You can decrease coverage at Web for Employees You can increase coverage with EOI Refer to your AFA LTD benefit booklet available at hr.okstate.edu

22. AFA Long-Term Disability Coverage Options & Premiums POLICY2014 PREMIUMS PER $100 50%$.26 60%$.62 *70%$2.18 *70% coverage is not available to new enrollees.

23. ING Supplemental Life Insurance No premium changes unless you go into the next 5-year age-rated bracket Add $5,000 if not at maximum At 65, 70, & 75 coverage decreases OSU also provides 2 times annual earnings ($200,000 maximum) in life insurance ING Travel Assistance Service & Funeral Planning Concierge

24. OCTOBER IS ANNUAL BENEFITS ENROLLMENT MONTH Web for Employees http://webemp.okstate.edu