1. State of Tennessee Group Insurance Program Open Enrollment/Annual Enrollment Transfer Period October 1 – November 1, 2013

2. 1 Open Enrollment/Annual Enrollment Transfer Period Open Enrollment: October 1 – November 1, 2013  Annual Enrollment Period (AETP) is now an Open Enrollment  Late applicant fee will no longer apply in 2014 Employees can make the following changes:  Switch PPOs (subject to eligibility)  Enroll in Cigna LocalPlus PPO (Middle TN only)  Change health insurance carriers  Enroll, cancel or make changes to health insurance  Enroll in, cancel or transfer between dental options www.partnersforhealthtn.gov

3. 2 Open Enrollment/Annual Enrollment Transfer Period If you DO NOT want to make changes No action is required this year If you stay in the Partnership PPO, you (and your covered spouse) are agreeing to fulfill the 2014 Partnership Promise If you DO want to make changes You must use Employee Self Service (ESS) in Edison Benefits Administration will not accept paper forms (exception for Local Gov with fewer than 100 employees) Use the Minnesota Life website for the optional term life insurance www.partnersforhealthtn.gov

4. 3 Open Enrollment/Annual Enrollment Transfer Period Changes take effect on January 1, 2014 Selections remain in effect through December 31, 2014, unless you lose eligibility or have a qualifying event A qualifying event or family status change is something that results in a covered person losing coverage under another plan or becoming newly eligible for coverage Contact your agency benefits coordinator if you experience a qualifying event www.partnersforhealthtn.gov

5. 4 Using Edison ESS To make changes to your health coverage or add dental insurance, you must use Employee Self Service (ESS) in Edison To use ESS, log on to Edison at www.edison.tn.govwww.edison.tn.gov Instructions on how to use ESS are available in the Decision Guide or from your Agency Benefits Coordinator www.partnersforhealthtn.gov

6. 5 What’s Changing for 2014 Health and Dental Premiums Health insurance premiums will increase by the following percentages:  State and Higher Ed Plan = 5.5%  Local Education Plan = 5.6%  Local Government Plan = 5.3% Dental insurance premiums will increase by 3% for both plans www.partnersforhealthtn.gov Prepaid PlanPDO Plan Employee Only$9.92$21.07 Employee + Child(ren)$20.60$48.44 Employee + Spouse$17.58$39.85 Employee + Spouse + Child(ren)$24.17$77.98

7. 6 Late applicant fee Beginning in January 2014, the late applicant fee will no longer apply  For those currently paying the monthly late applicant fee, the last payroll deduction will occur at the end of November 2013 What’s Changing for 2014 www.partnersforhealthtn.gov

8. 7 2014 Partnership Promise Requirement Changes In 2014 every Partnership PPO plan member must complete two things as a part of the Partnership Promise: 1.Complete the online Well-Being Assessment (WBA) by March 15, 2014 2.Get a biometric screening at your doctor’s office or at a worksite location between July 16, 2013 and July 15, 2014 What’s Changing for 2014 www.partnersforhealthtn.gov

9. 8 What’s Changing for 2014 Limited PPO available to Local Education Now available to both Local Government and Local Education What you should know about the Limited PPO Monthly premiums are low, but the deductibles and out-of- pocket maximums have changed Be sure to look at out-of-pocket costs carefully www.partnersforhealthtn.gov

10. 9 Additional services apply to out-of-pocket copay maximum Addition of three services:  Emergency room  In-network chiropractic  In-network urgent care visits To provide additional financial protection for members, copays for these three services will now count towards the in-network out-of-pocket copay maximum for the Partnership and Standard PPOs and the overall maximum out-of-pocket for the Limited PPO What’s Changing for 2014 www.partnersforhealthtn.gov

11. 10 Pharmacy Benefits $3,750 in-network pharmacy out-of-pocket copay maximum New benefit this year: Once maximum is reached members will pay $0 in copayments for remainder of year Increase for Limited PPO copays – Local Gov and Local Ed Copays in bold have changed Human Growth Hormone Will implement step therapy; must try preferred drug first Currently two preferred specialty drugs Impacts very few members No grandfathering What’s Changing for 2014 www.partnersforhealthtn.gov Limited PPO 30-day supply $10 /$55 / $105 90-day supply (mail order or Retail 90) $20 / $105 / $205 Certain maintenance medications $10 / $50 / $200

12. 11 Health Benefits Your Health Insurance Options You have these health insurance options Preferred Provider Organization (PPO) Options  Partnership PPO  Standard PPO  Limited PPO (Local Education and Local Government) Four Premium Levels Employee Employee + child(ren) Employee + spouse Employee + spouse + child(ren) Two Insurance Carriers BlueCross BlueShield of Tennessee Cigna  www.partnersforhealthtn.gov

13. 12 Health Benefits BlueCross BlueShield (BCBST) and Cigna each have their own network Both carriers have made significant changes to their networks for 2014 Be sure to check the networks carefully when making your decision Provider directories are available on the ParTNers for Health website, by calling the carrier or from your ABC Available Networks: BlueCross BlueShield offers Network S CIGNA offers Open Access Plus www.partnersforhealthtn.gov

14. 13 Employee Assistance Program (EAP) All services are confidential and available at no cost to members 24/7 You and your eligible dependents may get up to five, no cost counseling sessions per problem episode, per year Your EAP also offers work-life services, financial and legal services, assistance finding eldercare and dependent care services and much more Contact ParTNers EAP: Toll Free 24/7 at 1.855.HERE4TN (1.855.437.3486) Or at www.Here4TN.com www.partnersforhealthtn.gov

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17. 16 2014 Deductibles and Out-of- Pocket Co-insurance Maximums Partnership PPOStandard PPOLimited PPO In-Network Out-of- Network In-Network Out-of- Network In-Network Out-of- Network Annual Deductible Employee only$450$800 $1,500 $ 1,200$ 2,300 Employee + Child(ren)$700$1,250 $2,350 $ 1,800$ 3,350 Employee + Spouse$900$1,600 $3,000 $ 2,100$ 3,900 Employee + Spouse + Child(ren) $1,150$2,050 $3,850 $ 2,600$ 4,950 Out-of-Pocket Co-Insurance Maximum Employee only$1,550$2,900$1,900$3,600 $ 6,350$ 12,700 Employee + Child(ren)$2,450$4,600$3,100$5,900 $ 12,700$ 25,400 Employee + Spouse$3,100$5,800$3,800$7,200 $ 12,700$ 25,400 Employee + Spouse + Child(ren) $4,000$7,500$5,000$9,500 $ 12,700$ 25,400 www.partnersforhealthtn.gov

18. 17 2014 Partnership Promise Healthways administers the Partnership Promise Partnership PPO members pay much lower premiums Members and enrolled spouses must complete the Partnership Promise each year www.partnersforhealthtn.gov If you or your spouse fail to fulfill any requirement of the 2014 Partnership Promise, you will both be transferred to the Standard PPO in 2015.

19. 18 2014 Partnership Promise 2014 Partnership PPO members and covered spouses must: 1. Complete the online Healthways Well-Being Assessment ™ (health questionnaire) between January 1 and March 15, 2014 2. Complete a biometric health screening between July 16, 2013, and July 15, 2014 Members and covered spouses may have to do the following if applicable: Participate in health coaching and/or case management if identified Engage in the Healthways tobacco cessation program if you are a tobacco user Update your contact information with your employer if it changes www.partnersforhealthtn.gov

20. 19 2014 Partnership Promise Required Online Well-Being Assessment (WBA) Summarizes your overall health and offers steps you can take to improve The Well-Being Assessment must be completed between January 1 and March 15, 2014 To complete the assessment, visit partnersforhealthtn.gov and click on the “My Wellness Tab” www.partnersforhealthtn.gov

21. 20 2014 Partnership Promise Required Biometric Health Screening  You must get a biometric health screening by July 15, 2014  There are two ways to get a biometric screening: At a worksite screening At your doctor’s office: You may use screening results from a doctor’s visit between July 16, 2013, and July 15, 2014 www.partnersforhealthtn.gov

22. 21 Health Coaching Members and spouses who are identified by Healthways must participate Health coaching programs include:  Lifestyle management  Disease management Case Management is managed by BlueCross BlueShield, Cigna and Magellan 2014 Partnership Promise The Partnership Promise is managed by Healthways Healthways’ hours of operation: Monday – Friday 7:30 a.m. to 9:30 p.m. CT Saturday – 8:00 a.m. – 6:30 p.m. CT www.partnersforhealthtn.gov

23. 22 2014 Partnership Promise Tobacco Cessation Partnership PPO members who use tobacco must participate in Healthways tobacco cessation program and work toward becoming tobacco free Partnership PPO members who use tobacco products must answer “Yes” to the question “are you a tobacco user” when completing the required online Well-Being Assessment Healthways will reach out to tobacco users to enroll You are not required to quit by the end of 2014 – but must make an effort to quit www.partnersforhealthtn.gov

24. 23 2014 Partnership Promise Updating Contact Information Phone number, mailing address and email address, if you have one, must be current with your employer If your information changes during the year, you must notify your employer to update your record www.partnersforhealthtn.gov

25. 24 Eligible employees can choose between two dental options: During the enrollment period, eligible employees can enroll in or transfer between the two options If you don’t change your current dental carrier or cancel coverage, you will keep your current coverage Dental Benefits Assurant Prepaid Plan Fixed copays Participating dentists only Delta Dental PDO Plan Coinsurance and deductibles Any dentist Pay less with network providers www.partnersforhealthtn.gov

26. 25 Dental Benefits Prepaid Plan Administered by Assurant Employee Benefits The network is DentiCare Predetermined copay amounts (reduced fees) for dental treatments There are no deductibles to meet, no claims to file, no waiting periods for covered members, no annual dollar maximum and pre-existing conditions are covered Referrals are not required To receive benefits, you must select a dentist from the Prepaid Plan list Premiums will increase by 3% in 2014 Note: There are some areas in the state where Assurant network dentists are not available www.partnersforhealthtn.gov No Carriers in West TN

27. 26 Dental Benefits 2014 PremiumsAssurant PrepaidDelta Dental PDO Employee Only$9.92$21.07 Employee + Child(ren)$20.60$48.44 Employee + Spouse$17.58$39.85 Employee + Spouse + Child(ren)$24.17$77.98 Dental services for both the Prepaid Plan and the Dental PDO include: Periodic oral evaluations Routine Cleanings Amalgam fillings Endodontics-Root Canal X-rays Extractions Major restorations Orthodontics Dentures www.partnersforhealthtn.gov Monthly Premiums for Active Members

28. 27 Vision Benefits Optional Vision Plan Administered by EyeMed Vision Care Available to employees at participating agencies Both plans offer the same services There are no premium changes for the Basic Plan or Expanded Plans www.partnersforhealthtn.gov Basic PlanExpanded Plan Discounted ratesCopays Allowances Discounted rates Henry County School System does NOT participate in the State Vision Plan. We offer vision through Superior Vision which will be offered by an USAble Rep.

29. Take Note! If you do not want to make changes, no action is required If you do want to make changes or add coverage, you must use ESS and meet the enrollment deadline of November 1, 2013  Don’t Wait ─ Enroll early! You must click “submit” in ESS to finalize your selections by 11:59 p.m. CT on November 1, 2013 No changes until the next Open Enrollment/Annual Enrollment Transfer Period www.partnersforhealthtn.gov 28

30. Member Communications www.partnersforhealthtn.gov 29 Current members will receive a copy of the 2014 Decision Guide at their homes in mid- September.

31. HENRY COUNTY SCHOOL SYSTEM HEALTH INSURANCE PLAN RATES EFFECTIVE JANUARY 1, 2014 STATE HEALTH INSURANCE (TOTAL MONTHLY PREMIUMS) PARTNERSHIP BCBSCIGNA Employee Only$560.71$540.71 Employee + Child(ren)$932.18$892.18 Employee + Spouse$1,094.39$1,054.39 Employee + Spouse + Child(ren)$1,445.85$1,405.85 STANDARD BCBSCIGNA Employee Only$585.71$565.71 Employee + Child(ren)$957.18$917.18 Employee + Spouse$1,144.39$1,079.39 Employee + Spouse + Child(ren)$1,495.85$1,455.85 LIMITED PPO Employee Only$366.06$346.06 Employee + Child(ren)$611.00$571.00 Employee + Spouse$714.81$674.81 Employee + Spouse + Child(ren)$939.75$899.75 EMPLOYEE PREMIUMS MONTHLY PAYROLL DEDUCTIONS PARTNERSHIP BCBSCIGNACIGNA Employee Only$117.50$106.50 Employee + Child(ren)$320.88$298.88 Employee + Spouse$409.67$387.67 Employee + Spouse + Child(ren)$602.04$580.04 STANDARD BCBSCIGNACIGNA Employee Only$131.25$120.25 Employee + Child(ren)$334.63$312.63 Employee + Spouse$437.16$402.67 Employee + Spouse + Child(ren)$629.54$607.54 LIMITED Employee Only$76.71$68.16 Employee + Child(ren)$210.32$191.28 Employee + Spouse$267.58$248.11 Employee + Spouse + Child(ren)$391.30$371.23 DELTA DENTAL (MONTHLY PREMIUMS) Employee Only$21.07 Employee + Child(ren)$48.44 Employee + Spouse$39.85 Employee + Spouse + Child(ren)$77.98 INCREASE AMOUNT 5.6% Increase in Total Premium Increase to Employee Employee Only28.6714.34 Employee + Child(ren)47.3123.66 Employee + Spouse55.9127.96 Employee + Spouse + Child(ren) 74.5537.28

32. 31 Who to Contact Primary point of contact - Agency Benefits Coordinator Tiffany Latta, 642-9733 Questions about a provider or claim – contact your insurance carrier Questions about eligibility and enrollment – call Benefits Administration service center at 1-800-253-9981 Our ParTNers for Health website – www.partnersforhealthtn.gov www.partnersforhealthtn.gov Handbook publications and forms – www.tn.gov/finance/inswww.tn.gov/finance/ins www.partnersforhealthtn.gov

33. 32 Questions?