2.  HRA Plans  Blue Cross Blue Shield  Wellness Incentive

3.  Three plan selections, all very similar  Each plan designed with the HRA credit dollars  HRA credits reduce the deductible  Unused HRA credits carry over into the next plan year-By March 2014  Preventative care paid at 100% and does not reduce the credit dollars  Provides both in-network and out-of-network benefits  Must meet the deductible before the co- insurance will begin to pay

4. Only one carrier this year United Health and Cigna no longer the insurance provider

5.  2013 Wellness-For completing the wellness pledge in 2013, members will add $240 credit dollars and spouses will add $240 credit dollars  2014 Wellness Incentive-For completing the wellness in 2014, members can earn up to $480 credit dollars and spouses can earn up to $480 credit dollars to add during 2014  No lower premiums this year, only the incentive of the credit dollars

9. The first thing you need to do is find out how much of your current deductible you have meet this year.  CIGNA-go to mycigna.com  UHC-go to myuhc.com HRA Members  Verify how many credit dollars will roll over next year.  Mycigna.com or myuhc.com

11.  The current deductible for this example family of $4000 as of Oct 1 st has not been met.  No one individual has met their deductible  The child (who has met the most) has only met $522 of the $1600 deductible still leaving $1077 to be met before co-insurance would begin to pay  They have only met a total of $641 of the $4000 deductible  The family has $515.41 credit that will roll over for the 2014 plan year. This will add to any plan they choose.

12.  Which plan offers a similar plan coverage?  Currently they have a $4000 deductible  $1500 starting out in credit dollars (wellness HRA)  The Silver Plan is the closest plan to what they currently have  $4000 deductible  Credits dollars $400 + the $515.41 roll over would be $915.41  With the wellness incentive the credit dollars would be $915.41 + $480 for a total of $1395.41  2014 Wellness Incentive-Additional $960 credit dollars for a total of $2355.41  Monthly Premiums  Currently $350.86  Silver $379.00

13.  Since they didn’t meet their deductible, what if they wanted to increase the deductible to try and save on their premiums?  They could try the Bronze Plan.  This plan has a $5000 deductible, $1000 more  They would get $200 credit dollars + $515.41 rollover + the $480 incentive for a total of $1195.41  Complete the 2014 wellness incentive add $960 for a total of $2155.41 credit dollars  Monthly Premiums  Currently paying $350.86  Bronze Monthly $260.40

14.  Would the Gold Plan be an option for this family?  They did not meet their deductible last year. The deductible would lower, $3000 making it only $1000 less  They would have $800 credit dollars to add to their rollover and incentive for a total of $1795.41  2014 Wellness Incentive-Additional $960 credit dollars for a total of $2755.41  However their premium would go from $350.86 to $539.84  The total deductible they meet this year was only $643.64 of the $4000. This still left $3356.36 before co-insurance would begin to pay.  Would this justify a rate increase of $188.98 per month for this family. Probably not.

15.  HMO Members  No more Co-Pays  You will receive credit dollars to help meet the deductible  If you completed the wellness pledge you will receive the addition $240 per employee and spouse  2014 Wellness Incentive addition credit dollars available  HDHP Members  You will receive HRA Credit dollars to help meet the deductible  If you completed the wellness pledge you will receive the addition $240 per employee and spouse  2014 Wellness Incentive addition credit dollars available

16.  Myclarkebenefits.com  Click on the Red Button  What happens if I don’t enroll?  If you currently have health insurance you will default into the BRONZE Plan.  If you don’t currently have Health Insurance, you will NOT have health insurance again in 2014  Open Enrollment Dates  October 21 through November 8

20. QUESTIONS