1. Welcome to NEO A&M College Benefits & New Hire Enrollment Presented by: NEO Human Resources Department

2. Topics Retirement Norse Pride Annual Leave/Vacation/Sick Time BCBS Health Plans Flexible Spending Accounts Premium Rates Dental Insurance Vision Insurance Life Insurance Long-Term Disability Enrollment Forms American Fidelity Supplemental Plans

3. NEO Retirement Faculty & Staff are eligible to participate in Oklahoma Teachers Retirement (OTRS) provided you are a full-time employee. After 5 years a retiree becomes vested under OTRS. Retirement under OTRS at age 62 with 5 years of service or when age plus service equals 80 or 90. Retirees should get estimate from OTRS at least 90-120 days prior to retirement.

4. NORSE PRIDE “Keeping the Tradition Alive” Should you wish to support a specific NEO department on campus, athletic program, etc you may elect to have a specific amount withheld from your paycheck on a recurring basis. The authorization for payroll deduction form may be obtained in the Human Resources office.

5. Administrative & Faculty Vacation ****ADMINISTRATIVE & FACULTY VACATION**** 40 hr. Work Week Monthly AccumulationMaximum Vacation Accumulation Up through 510 HOURS240 HOURS 6 through 1013.36 HOURS320 HOURS 11 or more14.64 HOURS352 HOURS ****EMPLOYEE (STAFF) VACATION**** 12 MONTHS' EMPLOYMENT 40 hr. Work Week Monthly AccumulationMaximum Vacation Accumulation Up through 56.667 HOURS160 HOURS 6 through 108 HOURS192 HOURS 11 or more10 HOURS240 HOURS 11 MONTHS' EMPLOYMENT 40 hr. Work Week Monthly Accumulation Up through 56.667 HOURS146.67 HOURS 6 through 108 HOURS176 HOURS 11 or more10 HOURS220 HOURS 10 MONTHS' EMPLOYMENT 40 hr. Work Week Monthly Accumulation Up through 55.81 HOURS116 HOURS 6 through 107.0 HOURS140 HOURS 11 or more8.75 HOURS175 HOURS 9 MONTHS' EMPLOYMENT 40 hr. Work Week Monthly Accumulation Up through 56.667 HOURS120 HOURS 6 through 108 HOURS144 HOURS 11 or more10 HOURS180 HOURS ****FACULTY & STAFF SICK LEAVE**** ****ADMINISTRATIVE & FACULTY SICK LEAVE**** 40.0 HOURS PER WEEK = 14.0 HOURS PER MONTH ****PROFESSIONAL, CLASSIFIED, AND HOURLY ACCRUE SICK LEAVE AT**** 40.0 HOURS PER WEEK = 8.0 HOURS PER MONTH

6. BlueCross BlueShield Health Insurance

7. Eligibility for BlueCross BlueShield Employee Eligibility: 6-Month Regular Appointment at least 75% FTE Health Benefits: Employee Only Coverage Employee/Spouse Coverage Employee/Child(ren) Coverage Family Coverage Dependent Coverage: Coverage to age 26

8. NEO Health Plans BlueOptions Features two Network Options

9. Helpful Terms Network Group of Providers who agreed to discount charges Deductible for Calendar Year Amount you pay before benefits are paid by Plan Co-insurance Amount you pay after the deductible is met Annual Maximum Out-of-Pocket Maximum amount you pay each calendar year before the Plan pays 100%

10. Helpful Terms Portability Continuous coverage with another major medical plan (no more than a 63-day break) Pre-existing condition exclusion is waived Pre-existing Condition Exclusion Treated, diagnosed, or medication prescribed six months prior to beginning coverage, BCBS excludes those conditions 12 months from initial enrollment

11. BlueOptions Health Insurance Plan

12. BlueOptions Network Information Network Options BluePreferred Network BlueChoice Network Provider Listings www.bcbsok.com/osu Call: 877-258-6781 BlueOptions PPO Discounts Use any BluePreferred or BlueChoice Provider Freedom to go out-of-network

13. BlueOptions $30 PCP/$50.00 Specialist office visit co-pay, in- network $750 individual, $2,250 family deductible 80/20 co-insurance BluePreferred Network 70/30 co-insurance BlueChoice Network $3,000 per person out-of-pocket max, after deductible, $3,500.00 per person, non-network. No lifetime maximum on health benefits

14. BlueOptions Receive a $250 credit towards BlueOptions deductible each year by completing assessment. Complete your Health Risk Assessment (HRA) – Take before any claims are incurred – Input information into BlueAccess for Members Available to employee and spouse, if covered

15. BlueOptions Received a $250 credit towards BlueOptions deductible each year by completing HRA. Available to employee, spouse and dependents, if covered Enroll in Special Beginnings Maternity Program – Call BlueCross BlueShield to enroll – Enroll within first trimester

16. Pharmacy Coverage BlueOptions

17. Pharmacy Coverage Generics $4 $50 name Brand Drugs $100 Non-Preferred $150 Triessent Specialty $200 Non-Triessent Specialty

18. Pharmacy Extras No lifetime maximum for Pharmacy coverage Pharmacy and medication lists are available at www.bcbsok.com/osu or call 877-258-6781 www.bcbsok.com/osu or call 877-258-6781 Mail order available BlueCard access available

19. BlueCross BlueShield Information

20. BlueExtras and BlueRewards BlueAccess for Members-www.bcbsok.com/osu – Personal Health Manager – Immediate access to healthcare information – Easy to use tools – Take health risk assessments – Set Doctor appointment reminders – Check status of claims – Obtain estimated costs for various medical procedures – 24/7 Nurseline

21. BCBS Helpful Information Insurance ID Cards – Receive in 4-6 weeks – Mailed to home address – Print temporary cards at www.bcbsok.com/osuwww.bcbsok.com/osu – Important phone numbers on card BCBS Member Services Pre-certification Keep in your wallet for proof of insurance

22. BCBS Helpful Information OSU BlueCross BlueShield Team – 877-258-6781 www.bcbsok.com/osu Need Additional Help - Contact the HR Department

23. BCBS Premiums Please refer to your new hire materials received upon hire or contact the Human Resources Office for current health premiums.

24. Flexible Spending and Dependent Care Accounts

25. Flexible Spending & Dependent Care Accounts Healthcare FSA – Out-of-pocket medical expenses, prescription drugs, deductibles, co- payments, dental, and vision for you and your eligible dependents – Pre-funded – Minimum Annual Goal of $300.00 up to $2,500 Current Max per IRS Regulations (Refer to IRS for updated max) Dependent Care FSA – Daycare expenses for children under 13 – Not pre-funded – Maximum of $5,000 per tax year for reimbursement of dependent care expenses ($2,500 if you are married and file a separate return – Per IRS Regulations – Refer to IRS for updated max)

26. OMES: EGID - OSEEGIB Dental and Vision Eligibility

27. State Insurance Board Dental and Vision Insurance Dependent Coverage – Member must be covered before dependents are covered – Dependents enrolled in same plan as member – Cover dependents until age 26 Spouse Exclusion – Dental coverage only – Vision coverage requires spouse to have other group coverage – Signature is required on enrollment form

28. OMES: EGID - OSEEGIB Dental Insurance

29. Dental Plan Options Dental Plans – HealthChoice (Has the most providers) – Assurance Freedom Preferred – Assurant Heritage Plus with SBA (Prepaid) – Assurant Heritage Secure (Prepaid) – CIGNA Dental Care Plan (Prepaid) – Delta Dental PPO – Delta Dental Premier – Delta Dental PPO Choice  Provider listings at sib.ok.gov

30. Dental Coverage – HealthChoice Has the most providers $2,000 Calendar Calendar Year Maximum No Lifetime Maximum for Orthodontia – Pays 50% – 12 month waiting if not covered by another group dental plan prior to enrolling – Dental Plans Cover Two cleanings and a set of X-rays per year - Check your Employee Benefit Options Guide or Online

31. HealthChoice Dental Premiums Refer to current rate guide for most up-to- date premiums. The rate guide can be found on the web http://www.ok.gov/sib/Member/Handbooks/index.html Remember – Current Premiums in Option Guide – Cover yourself to cover dependents – Cover one dependent, cover all dependents

32. OMES: EGID (OSEEGIB) Vision Insurance

33. Vision Plan Options Vision Plans – Vision Service Plan (VSP) – Primary Vision Care Services – Superior Vision Plan – United Healthcare Vision – Humana/Comp Benefits Vision Care Plan – Primary Vision Care

34. Vision Coverage Vision Service Plan (VSP) Has the most providers No ID Card Calendar Year Benefits Include Exam, $10 co-pay Prescription Glasses, $25 co-pay o Lenses and/or frames covered up to $120 each year o 20% discount on remaining balance Contact lens covered up to $120 each year, no co-pay o Mail order available » Check your Employee Benefit Options Guide for further details and updated info.

35. Vision Service Plan Premiums (VSP) Please contact the Personnel Office should you need a copy of the current monthly premiums for VSP or any other Vision plans.

36. Life Insurance (ING)

37. ING Employee Benefits NEO Employee Coverage – Provided by ING Employee Benefits/Reliastar NEO pays the monthly life premium as a benefit up to two times your annualized salary – With $200,000 maximum – Benefits reduce at age 65 Accidental Death and Dismemberment -Safe Driver Benefit – 10% -Safe Driver Benefit with Airbags – 15% Updated each December 31

38. ING Employee Benefits NEO Employee Coverage – Provided by ING Employee Benefits/Reliastar – Opportunity to purchase up to two-times annualized salary 5,000 increments Not to exceed $250,000 With Proof of Good Health – Employee may increase up to five times annualized salary, not to exceed $750,000 Portability - If you leave NEO you may keep your Supplemental Life. However premiums would be paid by the employee and premiums are not tax sheltered.

39. ING Employee Benefits Supplemental Life Voluntary enrollment – Employee – Spouse – Dependent(s) Premiums paid by employee Premiums not tax sheltered

40. ING Employee Benefits Supplemental Life New Employee Enrollment – Spouse guaranteed issue within first 30 days of hire – Opportunity to purchase up to one-times employee annualized salary $5,000 increments Not to exceed $125,000 With Proof of Good Health – Employee may increase spouse life, not to exceed 50% of employees combined amounts, up to $375,000 Cannot cover spouse if spouse is an NEO employee Premiums are paid be employee – Premiums are not tax sheltered

41. ING Employee Spouse Supplemental Rates Age as of December 31Monthly Rate per $5,000 Under 250.25 25-290.30 30-340.40 35-390.45 40-440.50 45-490.85 50-541.60 55-592.60 60-643.90 65-697.25 70+12.00

42. ING Child(ren) Supplemental Rates Coverage UnitsCost per Month $2,500$0.45 $5,000$0.90 $7,500$1.35 $10,000$1.80 If you and your spouse are employed by NEO, only one parent can cover child(ren)

43. Beneficiaries Primary Beneficiary – First in line – Share equally – Person/Corporation/Charitable Institution Contingent – Collect in Primary Predeceases Keep Beneficiary Information Current Contact NEO Human Resources to Update

44. American Fidelity Assurance (AFA) Long-Term Disability

45. Long-Term Disability – Salary Protection Program – 30 days to enroll – NEO pays premium 100% – Pre-existing condition clause LTD Process – First 180 days, Elimination – Next 6 months, Own Occupation – After 12 months, Any Occupation » See your AFA LTD Certificate for more details Example for 60% LTD Cost paid by NEO: $29,000/12=$2,417/100=$24.17 x.49 = $12.56 per month

46. Long-Term Disability Your Plan Pays A Monthly Disability Benefit – 60% of you Monthly Compensation not to exceed: (1) a maximum Monthly Disability Benefit of $3,600.00; (b) a maximum covered Monthly Compensation of $6,000.00; and (3) the amount for which premium is being paid. If applicable, your Disability Benefit will be reduced by Deductible Sources of Income.

47. Long-Term Disability Less Income From Other Sources – AFA will ask you to apply for: Social Security Disability Oklahoma Teachers’ Retirement Disability Workers’ Compensation Unemployment Compensation AFA will calculate your salary guarantee Example of 60% LTD pay out: AFA salary guarantee: SS = $600.00 OTR = $950.00 ____________________ $1,550.00 AFA will pay $100 minimum benefit

48. American Fidelity Assurance (AFA) *Cancer Protection* *Accident Only Insurance Plan* *AF Term Life Insurance* *Short Term Disability* *AF Critical Choice*

49. Cancer Protection Offers financial help for out-of-pocket expenses – Annual Screenings – Travel and Lodging – Loss of Income – Child care expenses Limitations, exclusions, and waiting periods apply Employee pays premiums Answer medical questions One-on-one appointment contact: Diane Czachowski 800-365-2782 ext. 405

50. Cancer Protection Screening & Follow-up Benefits Treatment & Procedures Benefits Facilities & Equipment Benefits Care & Consultation Benefits Transportation & Lodging Benefits Additional Benefits

51. Accident Insurance Plan Provides one-time cash payment when suffering a covered accident diagnosed by a physician. – Basic Plan – Enhanced Plan Accident Benefit Enhancement Rider

52. Accident Insurance Plan Hospital ER Treatment Benefit Accident Follow-up Treatment Benefit Medical Imaging Benefit Hospital Confinement Benefits Wellness Benefit Ambulance Benefit Transportation Benefit Family Member Lodging & meals Benefit Appliances Benefit Blood, Plasma and Platelets Benefit Burns Benefit Skin Graft Benefit Dislocations Benefit Exploratory Surgery Without Surgical Repair Benefit Eye Injury Benefit Fractures Benefit Internal Injuries Benefit Physical Therapy Benefit Prosthesis Benefit Ruptured Disc or Torn Knee Cartilage Benefit Tendons, Ligaments and Rotator Cuff Benefit Emergency Dental Work Benefit Paralysis Benefit Concussion Benefit Benefit

53. Opportunities for Enrollment Changes

54. Annual Benefit Enrollment Period Open Enrollment held October 1 st – 31 st Opportunity to make changes to benefits E-mail notifications, posters and announcements on campus Changes effective January 1 – Plan year January 1-December 31

55. Mid-Year Changes Qualifying Event Examples – Marriage, Divorce – Birth, Adoption – Child reaching age 26 – Custody Judgment – Gain or loss of other group coverage Must be made within 30 days of the event – If not within 30 days, must wait for Annual Enrollment Contact the Human Resources Office for instructions

56. Questions? Please feel free to contact the Benefit Provider directly If you need assistance, please don’t hesitate to contact the Human Resources Department