2. Understanding Your Benefit Plan Renewal

3. Presentation by Morneau Shepell 2 ISI (Interuniversity Services Inc.) Benefit Plans Not-for-ProfitFounded in 1984 17,000 insuredVolume Purchasing

4. Presentation by Morneau Shepell 3 ISI (Interuniversity Services Inc.) Benefit Plans Not-for-ProfitFounded in 1984 17,000 insuredVolume Purchasing

5. Presentation by Morneau Shepell 4 ISI (Interuniversity Services Inc.) Benefit Plans Lower Costs Benefit Innovation Flexibility in Plan Design Vendor Management Communication & Education “Benefits” of ISI include:

6. Presentation by Morneau Shepell 5 ISI Participation

7. My Benefits

8. Presentation by Morneau Shepell 7 My Benefits Provide… DEATH/ACCIDENT BENEFITS LONG-TERM DISABILITY INSURANCE MEDICAL AND DENTAL BENEFITS EMPLOYEE AND FAMILY ASSISTANCE CRITICAL ILLNESS/ OPTIONAL LIFE TRAVEL HEALTH INSURANCE FINANCIAL SECURITY HEALTH AND WELLBEING

9. How Does Group Insurance Work?

10. Presentation by Morneau Shepell 9 Insurance is…. Predictable Low Cost High Cost Unpredictable FULL INSURANCE SELF - INSURANCE Travel Health Coverage Life Insurance Claims Specialty / Biologic Drugs Disability Drugs for Acute Conditions Basic Dental Glasses Cholesterol Meds Insurance is efficient and economical when the insured risk is unforeseen and is high cost

11. Presentation by Morneau Shepell 10 How do we pay for our group insurance? CLAIMS RESERVES INSURER FEES PREMIUM TAXES Employer Contributions Employee Contributions

12. Presentation by Morneau Shepell 11 What Impacts Life & LTD Renewal Rates? Claims Reserves Interest Rates Demographics Health Most recent 5 years

13. Presentation by Morneau Shepell 12 What Impacts Health & Dental Renewal Rates? Claims Insurance Company Administration/Expenses Trends -High cost drugs -Generics -Dental Severe Rheumatoid Arthritis Crohn’s Disease Various Cancers Specialty & Biologic Medications Typically $15,000-$30,000 per patient each year! Identical active ingredients as brand name drugs Safe, effective…and only 1/3 rd the cost!!!!

14. Presentation by Morneau Shepell 13 How Can I Help to Manage/Reduce My Costs Managing Your Health Wise Consumer Choices Get active! 90 day supply of maintenance drugs Drug store fees vary Make healthy food choices