1. Medical Insurance Regence Blue Cross/Blue Shield of Utah, 2 Options
$500 DEDUCTIBLE plan/3 individuals
Individual Out of pocket max $4,000
Family Out of pocket max $8,000
NO Annual Maximum
Option 2
HDHP/HSA Combination
$1,500 DEDUCTIBLE single coverage
Out of pocket max $4,000 (Inc. DED)
$3,000 DEDUCTIBLE 2-party or family coverage
Out of pocket max $8,000 (Inc. DED)

2. 2013 Plan Changes $500 Deductible
ITEM
2012
2013
Annual Out of Pocket Maximum
Individual/Family
$1,500/$4,500
$4,000/$8,000
Emergency Room Copay
$100
$250
Prescriptions (Rx)
Generic
Formulary
Non-Formulary
$7.00
20%
35%
$15.00
25%
45%
EMPLOYEE PREMIUM CONTRIBUTION CHANGES
Individual
2-Party
Family
$30.90
$55.15
$73.00
$33.00
$59.55
$79.00

3. Examples of $500 vs. HDHP $125.70 difference!!! $10.70 difference!!!
$500 Coverage
HDHP Coverage
#1 - Month
Two Dr. Visits
Dr. visit = $130 x 2 = $260
$ difference!!!
$20 copay (after tax $)
$95.70 premium difference
($135.70) Total spent for the month for healthcare
$ Dr. Visit
($250)HSA County contribution
$10.00 Total Spending for the month (No Tax paid)!
#2 - Month
1 Dr. Visit = $130
$300 Rx (Formulary)
$10.70 difference!!!
$75 for Rx (after tax $)
($190.70) Total spent for the month for healthcare
$0 applied to deductible
$130* Dr. Visit
$300* for Rx
($180.00) Total
*450 applied to deductible!
#3 - Annual
$5,000 Broken Arm
$600 5 Office Visits
$4,400 Surgery
$10,000 Annual Expense
$3, difference!!!
Broken Arm:
$500 Deductible
$1,200 ($250 ER copay+20%)
Office Visits: $100 ($20 copay x 5)
Surgery: $880 (20%)
$1, premium difference
($4,828.40) Total
$3,000* deductible
$1,400 co. (20% of $7,000)
$4,400
($3,000) HSA UC Cont.
($1,400.00) Total
*Family Deductible is met & $ applied toward OOP Max.

4. Why have a consumer-driven health plan?
YOU make all contributions & forfeit at the end of the year. Incentive to USE $ (or you will lose it)
Flexible Spending Account
(FSA)
Traditional
Healthcare
Traditional
Health Plan
Incentive to USE $ and Insurance
VS.
Your
Account
$ rolls over
year to year
Part 1
Health Savings Account
(HSA)
Incentive to SAVE $ - You & your employer contribute pre-tax dollars
HSA
Concept
Part 2
High Deductible Health Plan
(HDHP)
Incentive is to focus on PREVENTATIVE CARE and have coverage for major medical expenses.

5. Health Savings Account (HSA) – What is it?
Uintah County contributes money on a monthly basis
MAKING IT A $0 DEDUCTIBLE PLAN!!!
A bank account in YOUR name
You can contribute PRE-TAX dollars through payroll
Receive a Debit Card (use as a credit card, no fee)
Checks (50 for $7.95)
$2.25 monthly admin fee (waived after you have $3,000 in account)
Track spending online, keep records, tax forms
Use for health, dental and vision expenses or supplemental income upon retirement
Visit for more information

10. Status Changes Marriage, Divorce, dependent marriage, etc.
Change dependents AND beneficiaries
30 Days from EFFECTIVE DATE
Materials & Forms
Open enrollment ends
December 14, 2012

11. Enrollment Medical Insurance Flexible Spending Account/Cafeteria Plan
All employees MUST complete and submit new forms by FRIDAY DECEMBER 14, 2012:
Medical Insurance
$500 deductible
HDHP/HSA
enroll online with/without assistance for no fee, $22 processing fee otherwise
Must have account
Must have information, SSN, spouse SSN, DL#
Waive Insurance altogether
Flexible Spending Account/Cafeteria Plan
Enroll
Waive
Other forms
Available upon request