Benefit Options Benefit Program for Employees of the

Benefit Options Benefit Program for Employees of the State of Arizona Offered by the Arizona Department of Administration Human Resources Division - Benefits

Agenda ● Finding Benefits Information ● Medical Benefits Overview ● Voluntary Benefits & Wellness ● How to Enroll 2 ★

Finding Benefits Information

Benefits Info - Liaison ● Answers questions ● Helps you enroll in benefit plans ● Shares benefits updates to the agency 4

Benefits Info - Web benefitoptions. az. gov ● Key Tabs ○ New Hire Enrollment ○ Contacts > Vendors ● No password, share site with family ● Web and mobile Enrollment Guide ● Rates ● Plan Information ● Custom Vendor Contact Info for State Employees 5

Medical Plan Options

Did you know the State of Arizona pays 88% of total health plan costs? Health Insurance Terms Premium Out-of-Pocket Max Met Amount you and your agency pays for insurance each pay period Deductible Met Deductible Expenses you pay outof-pocket before the health plan pays ● Individual or Family ● Separate In- & Out-of. Network amounts ● Accumulate toward out-ofpocket maximum 7 Copayment Fixed dollar amount Coinsurance Percentage of allowed amount ● You pay at the time of service after the deductible is met ● Plan pays remaining charges ● Accumulate toward out-ofpocket maximum Out-of-Pocket Maximum The most you will pay in combined deductibles, health care and pharmacy copayments, and coinsurance ● Plan pays 100% of covered services after out-of-pocket max is met ● Individual or Family ● Separate In- & Out-of. Network amounts

Medical Plan Features Triple Choice Plan High Deductible Health Plan (HDHP) Premium $$ $ Deductible $ $$ Health Savings Account (State contribution each pay period) ✘ ✔ Tier 1 & Tier 2 ✔ Tier 3 ✔ Primary Care Physician (PCP) not required ✔ ✔ No referrals required to see a specialist ✔ ✔ Free Nationwide network of providers Out-of-Network Coverage (higher cost) Preventive care in-network 8

Preventive Care Services Regular Visits Tests Well-baby, Well-child, Wellman, Well-woman Blood Pressure, Diabetes, Cholesterol Immunizations Flu, Pneumonia, Varicella, Shingles Cancer Screenings Mammogram, Colonoscopy, Cervical, Prostate Intervention Smoking Cessation, Depression Screening, Unhealthy Alcohol & Drug Use Screening, Weight Loss Counseling Preventive care services are free only when using an in-network provider 9

Medical Plan Cost Triple Choice Plan Tier 1 $200 $26. 17 $71. 49 $57. 30 $121. 61 Tier 2 $1, 000 Tier 3 $5, 000 $400 $2, 000 $10, 000 $7, 350 Tier 1 & Tier 2 Combined $8, 700 $14, 700 Tier 1 & Tier 2 Combined $17, 400 Employee Premium Per Pay Period Employee Only Employee + Spouse Employee + 1 Child Family Deductible Employee Only Employee + Spouse Employee + 1 Child Family Out-of-Pocket Maximum Employee Only Employee + Spouse Employee + 1 Child Family Tier 1 & Tier 2, the deductibles will cross-apply: ➢Tier 1 deductible applies to Tier 2 and Tier 2 deductible applies to Tier 1 10 High Deductible Health Plan Plus HSA $10. 15 $30. 46 $25. 89 $56. 35 In-Network $1, 500 $27. 69 HSA Contribution $55. 38 HSA Contribution Out-of-Network $5, 000 $3, 000 $10, 000 $3, 500 $8, 700 $7, 000 $17, 400

HDHP Members! Use your HSA contributions to pay deductible and coinsurance expenses Medical Plan Cost High Deductible Health Plan Triple Choice Plan Copayment / Coinsurance Apply After Deductibles Are Met 11 Tier 1 $0 Tier 2 $0 Tier 3 50% Routine Preventive Services In-Network $0 Out-of-Network 50% $20 50% Primary Care Physician (PCP) 10% 50% $40 50% Specialist 10% 50% $20 50% Telehealth Services (Virtual Visit) 10% 50% $200 Emergency Room 10% $75 50% Urgent Care 10% 50% $250 50% Inpatient Hospital Admission 10% 50% $0 $0 50% Laboratory and X-Ray Services 10% 50% $100 50% Major Radiology Services 10% 50%

How to Use the Triple Choice Plan Choose a network doctor Pay a deductible Look for the Tier 1 symbol for the lowest cost Enroll in the Healthcare FSA or pay out of pocket ○ Physicians ○ Radiology and Laboratory ○ Hospitals ○ Urgent care facilities ○ Surgical centers Pay a copayment You pay a flat fee 12 Your plan pays the rest Pay up to out-of-pocket max Your plan pays 100% of services for remainder of the year ○ Rehabilitation centers

Tier 1 doctors and facilities Provide higher quality and efficient care How to Use the Triple Choice Plan COPAYMENT DEDUCTIBLE ($200) Using ONLY Tier 1 providers OFFICE VISIT SPECIALIST VISIT JANUARY IMAGING SURGERY FEBRUARY / MARCH SPECIALIST VISIT APRIL / MAY TIER 2 DEDUCTIBLE ($1, 000) COPAYMENT Tier 1 and Tier 2 deductibles cross-apply COPAYMENT TIER 1 DEDUCTIBLE ($200) Using Tier 1 and Tier 2 providers OFFICE VISIT JANUARY Note: Examples are using the Employee Only Plan 13 Tier 2 SPECIALIST VISIT IMAGING FEBRUARY / MARCH SURGERY SPECIALIST VISIT APRIL / MAY

How to Use the HDHP + HSA Fund your Health Savings Account Automatic payroll contributions by you and the State Pay coinsurance Choose an innetwork doctor Pay a deductible Look for the symbol for greater savings Use available HSA funds or pay out of pocket for services and some prescriptions Pay up to out-ofpocket max Invest with Tax Advantages HSA funds can help you pay for your expenses The amount you want in your account � State contribution � 26 pay periods � � Your contribution per paycheck You pay 10% 14 Your plan pays 90% Your plan pays 100% of services for remainder of the year Your funds will continue to grow and roll over year-toyear

How to Use the HDHP + HSA Use Total Care or Premium Designated Providers DEDUCTIBLE MET ($1, 500) Using In-Network Providers OFFICE VISITS JANUARY SPECIALIST VISITS FEBRUARY COINSURANCE IMAGING MARCH APRIL State HSA Contributions Your HSA Contributions State HSA Contribution Per Pay Period $27. 69 Individual $55. 38 Family Note: Examples are using the Employee Only Plan 15 RECOVERY SERVICES SURGERY MAY JUNE

Health Savings Account What is an HSA? ● Only use with high deductible health plan ● Savings account to pay for qualified health care expenses ● Pay deductibles and coinsurance ● Your contribution reduces your taxable income HSA Contributions can be updated anytime through the Y. E. S. website 16 State Contributions Your Contributions Using the Funds ● Funded by the State every pay period ● Individual: $27. 69 each pay period ● Family: $55. 38 each pay period ● Calculate an amount up to the IRS maximum ● Age 55+ can contribute an additional $1, 000 ● Receive Mastercard® debit card to pay at pointof-service ● Funds roll over yearly ● You own the account and the funds, even if you change jobs or retire ● Investment options for funds over $1, 000 Individual: $3, 600. 00 IRS Maximum -$ 719. 94 State Contribution $2, 880. 06 ÷ 26 pay periods $110. 77 each pay period Family: $7, 200. 00 IRS Maximum -$1, 439. 88 State Contribution $5, 760. 12 ÷ 26 pay periods $221. 54 each pay period optumbank. com/arizona

Health Savings Account 17 How Your HSA Is Established Common Reasons for Delays Not Eligible To Contribute ● State automatically opens in employee’s name after enrolled in high deductible health plan ● Optum will verify your identification ● Optum will email or send a letter if there are issues with establishing your account ● Incorrect Address ● P. O. Box (no card delivery allowed) ● Legal name inconsistent ● Use Social Security card name, under IRS rules names must match ● Employee is enrolled in Medicare or Medicaid ● Employee or spouse has Health Reimbursement account (HRA) ● Employee is enrolled in Tri. Care ● Care is received from Veterans’ Administration (VA)

What to Consider When Choosing a Plan Benefits ○ The same benefit structure for each plan ○ Value added benefits vary among carriers ○ Health and wellness services 18 Networks Cost ○ All plans have nationwide networks ○ Provider networks vary among carriers ○ Make sure your providers are on the plan ○ Look for the symbols ○ Understand how premiums & deductibles work for your budget ○ Out-of-Network costs are higher

What to Consider When Choosing a Plan Triple Choice Plan Individual High Deductible Health Plan + HSA Out-Of Pocket Maximum $8, 700 Individual Tier 2 Deductible $1, 000 Deductible $1, 500 Tier 1 Deductible $200 Annual Premium $680. 52 Annual Premium $264 Family Tier 2 Deductible $2, 000 Out-Of Pocket Maximum $3, 500 Out-Of Pocket Maximum $14, 700 HSA Max $3, 600 State HSA $720 Out-Of Pocket Maximum $7, 000 Family Deductible $3, 000 Tier 1 Deductible $400 Annual Premium $3, 161. 88 19 Annual Premium $1, 465. 20 State HSA $1, 440 HSA Max $7, 200

Telehealth Doctor on Demand ● Available 24/7 ● Before deductible: $49 ● After deductible: TCP $20, HDHP w/HSA 10% ● Works with both carriers Other Telehealth Options ● Blue Cross Blue Shield offers Blue. Care Anywhere ● United. Healthcare offers Teladoc & Amwell 20 ★ CONDITIONS TREATED Cold & Flu Sinus Infections Vomiting & Diarrhea Urinary Tract Infections Allergies Chronic Care Labs & Screenings Prescriptions & More

Protect Your Health & Your Wallet -- Choose the Right Care for Your Nurseline Telemedicine Walk-In Clinic Doctor’s Office Urgent Care Emergency Room Needs CONDITIONS TREATED & SERVICES AVAILABLE ● ● ● ● ● Headache Urinary Tract Infection Cold/Flu/Fever Acne Allergies Rash Sore Throat Stomach Ache Questions Treatment Referrals ● ● ● ● ● Headache Urinary Tract Infection Cold/Flu/Fever Sore Throat Vomiting & Diarrhea Rash Screenings Prescriptions Doctor on Demand App Medical Carrier App ● ● ● ● Cold/Flu/Fever Sore Throat Sinus Earache Minor Cut/Burn/Rash Immunizations Prescriptions Drug Store Locations 24 Hours via Phone 2 -3 Minutes Average Your Home or Office $0 24 Hours via Smart Device 5 -10 Minutes Average Your Home or Office TRIPLE CHOICE PLAN $49 fee* | $20 copay** HDHP $49* | 10% co-ins** Preventive Care Routine Check-up Annual Physical Medication Tracking Immunizations Screenings General Health Issues Referrals Choose a Primary Care Physician (PCP) Establish a relationship for consistent, quality care. Nursline Number Printed on the back of your insurance card. HOURS WAIT TIME LOCATION COST ● ● ● ● Retail Hours 15 Minutes Average Drive to Location TRIPLE CHOICE PLAN $75 avg* | $20 copay** HDHP $75 avg*| 10% co-ins** Note: This is for guidance only. If you are experiencing an emergency, call 911. Office Hours By Appointment Drive to Office TRIPLE CHOICE PLAN $150 avg* | $20 copay** HDHP $150 avg*| 10% co-ins** ● ● ● ● Headache Urinary Tract Infection Cold/Flu/Fever Minor Cut/Burn/ Rash/Bite Lower Back Pain Joint Pain Sprain X-Rays (varies) 8 am - 9 pm Typically 20 Minutes Average Drive to Facility TRIPLE CHOICE PLAN $150 avg* | $75 copay** HDHP $150 avg* | 10% co-ins** ● ● ● ● ● Chest Pain Head Injury Short of Breath Suddenly Numb/Weak Uncontrolled Bleeding Severe Cut/Burn/Bite Overdose Broken Bone Seizure/Unconscious Vision Blurred 24 Hours 2 -4 Hours Average Drive to Facility TRIPLE CHOICE PLAN $1, 600 avg* | $200 copay** HDHP $1, 600 avg* | 10% co-ins** *Before deductible met. **After deductible met, copay/coinsurance applies 21

Pharmacy Benefits

Prescription Drug Plan Same Pharmacy for ALL Carriers ● Pharmacy Benefit Administrator ● Maintains the formulary, pharmacy network, and drug costs 23 Pharmacy Information ● On your medical card ● Prescription drugs are covered In-Network only ● Medical carrier is not the pharmacy administrator ● Pharmacy website: medimpact. com ● Find a pharmacy near you with the best price ● View prescription drug information and prescription history ● View your accumulators & YTD drug spend

Prescription Drug Copays ● ● ● 24 Copays apply toward your out-of-pocket maximum For HDHP plan, member must pay 100% until the deductible has been satisfied. Then the applicable fixed dollar copay applies. Refer to Summary Plan Document for more about Prescription Drugs Retail (30 -Day Supply) Retail (90 -Day Supply) Mail Order (90 -Day Supply) Generic $15 $37. 50 $30 Preferred Brand $40 $100 $80 Non-Preferred Brand $60 $150 $120

Voluntary Benefits

Dental Plans PPO Plan | Network Dental HMO | Delta PPO Plus Premier Dentist Cigna Dental Care Access Dental Plan Premiums Per Pay Period Employee Only $14. 30 $1. 64 Employee + Adult $30. 33 $3. 29 Employee + Child $23. 34 $3. 08 Employee + Family $48. 26 $5. 46 Type of Plan Preventive Services Deductibles Maximum Benefit Orthodontia ○ Provider charges negotiated rates ○ You pay a coinsurance ○ Nationwide coverage ○ Provider accepts set fees from Cigna ○ You pay set fees for dental work ○ Not available in all states Covered 100% No Copay Retiree-$50, Retiree+Spouse-$100 Retiree+1 Child-$100, Family-$150 None $2, 000 person per year None $1, 500 person lifetime max 24 -month treatment fees When choosing a plan, consider your dental history, level of care needed, costs and budget 26

Vision Plan Avesis Advantage Program Premiums per pay period Employee Only Employee + Spouse Employee + 1 Child Family Employee Cost for Care Routine Eye Exam Standard Spectacle Lenses: ○ Single Vision, Bifocal, Trifocal, Lenticular ○ Progressive Frame Contact Lenses (in lieu of frame/spectacle lenses): Elective Medically Necessary LASIK/PRK 27 $1. 72 $5. 70 $5. 65 $7. 11 $10 Covered in full Discounted Up to $150 retail value ($50 wholesale cost allowance) 10 -20% discount & $150 allowance Covered in full Up to $750 Target Optical Discount! Save an additional $25 when you purchase your frame from Target Optical

Flexible Spending Accounts Health Care FSA Use with Triple Choice Plan For medical, dental, vision, prescriptions, & over-the-counter medication Pay eligible medical expenses with pre-tax dollars ● Reduces taxable wages which decreases taxes ● Use to pay your deductible, copays, overthe-counter items 28 Maximum Contribution $2, 750 ● Determine your annual election based on health expenses ● Your annual election will be divided by 26 for a per paycheck contribution Limited Purpose FSA Use with HDHP w/HSA Plan Use for dental & vision only TASC Mastercard® ● Pre-loaded with your annual election amount ● Pay at point of service ● May have to submit paperwork to prove claim ● Keep all bills with services listed - not just card machine receipts USE IT OR LOSE IT EACH YEAR ● Claims Jan 1 -Dec 31 ● Reimbursement claims submitted by Mar 31 GET the APP Check account & upload claim docs anytime

Flexible Spending Accounts Dependent Care Flexible Spending Account (FSA) ● Pay expenses for dependent care (not for healthcare expenses) ○ Daycare, summer day camp, preschool fees for children under 13 for whom you have custody ○ Spouse or other tax Dependent physically or mentally incapable of caring for him/herself Pay eligible dependent care expenses with pre-tax dollars ● Reduces taxable wages which decreases taxes 29 Maximum Contribution $5, 000 (Married File Separately: $2, 500) ● Determine your annual election based on care expenses ● Your annual election will be divided by 26 for a per paycheck contribution TASC Mastercard® ● Can only use what you have in the account ● Pay at point of service ● Keep all bills with services listed - not just card machine receipts USE IT OR LOSE IT EACH YEAR ● Claims Jan 1 -Dec 31 ● Reimbursement claims submitted by Mar 31

Short-Term Disability - STD Definition Wait Period ● Voluntary benefit ● Based on enrollment coverage if you are unable ● If enrolled in 2020, 30 to work due to: day wait period ● Non-work related injury ● Not enrolled in 2020 or illness 60 -day wait period during ● Pregnancy & maternity first year ● No Wait Period if Injured Premium: $0. 316 per $100 of your annual base pay 30 Benefit Payments Maximum Duration ● Weekly paid benefits: Up to 66⅔% of predisability earnings ● Payments offset by 100% of any annual & sick leave paid after the wait period is exhausted ● Payable benefits: Minimum $67. 31 Maximum $897. 43 ● Injury: Up to 26 weeks ● Illness: (Based on enrollment) ● At Hire - 22 wks ● After Hire -18 wks Employees can start a disability claim online mybenefits. metlife. com/stateofarizona

Long-Term Disability - LTD ● Protects from loss of income in the event that you are unable to work for a long time due to non-work related injury, illness, or accident ● Your retirement plan determines your LTD benefit Broadspire Arizona State Retirement System (ASRS) 31 Met. Life ● Public Safety Retirement System (PSPRS) ● Correctional Officers’ Retirement Plan (CORP) ● Optional Retirement Plan (ORP) ● ★

Life Insurance Basic. Lifeand & AD&D Basic AD&D ● $15, 000 policy ● State pays the premium ● Automatically signed up Life Insurance Calculator Benefit Scout is an online decision support tool Life. Benefits. com/Arizona 32 Supplemental Life and AD&D ● You pay the premium ● $5, 000 increments above the $15, 000 Basic Life provided by State ● Increase up to $20, 000 annually during open enrollment only ● Premiums for first $35, 000 are pre-tax ● Keep your beneficiaries updated

Life Insurance Dependent Life and AD&D ● You pay - one premium covers whole family, pays out for each individual person ○ Spouses, children under age 26 & disabled dependent children ● Employee is the beneficiary ➢ $2, 000 ➢ $4, 000 ➢ $6, 000 ➢ $10, 000 ➢ $12, 000 ➢ $15, 000 ➢ $50, 000* *For $50, 000, you must elect at least $50, 000 in combined basic & supplemental coverage for yourself 33

Wellness Benefits

Wellness Benefits 35 Health Impact Program Health Screenings & Flu Shots Weight & Diabetes Management Employee Assistance Program

Health Impact Program - $200 What is HIP? ● Award-winning program to help you achieve your physical, financial, personal and professional well-being goals ● Earn points for healthy activities, including preventive screenings, immunizations and classes/coaching ● Earn 500 points for an annual incentive payment of up to $200. 36 Who is Eligible? ● All active, benefits-eligible employees should participate, whether or not you are enrolled in an ADOA medical plan. ● New web portal and digital health components will be launched in Q 1 2021! ● To learn more, visit wellness. az. gov

Health Screenings & Flu Shots 37 ● Mini-Health Screening - components include a blood draw (lipid profile) for cholesterol, HDL, LDL VLDL, triglycerides, glucose and fructosamine, blood pressure, height, weight and body-fat check, Hemoglobin A 1 C for diabetes, PSA - Prostate specific antigen blood draw for men, and Osteoporosis-bone density screening of the heel ● MOM - a mobile onsite unit that offers digital mammography screening and is covered through insurance ● POP - a mobile unit that offers prostate cancer screening tests that include a PSA screen and digital rectal exams (DRE) by a urologist ● Flu Vaccines - Offered September ‐ December. Free flu shots at many State worksites and public clinic locations for employees and their dependents.

Weight and Diabetes Management Programs offered at work and online ● Employees, spouses and dependents over 18 are eligible ● No cost and low cost options ● HIP Points - Earn 150 to 200 points upon completion ● 38

Employee Assistance Program - EAP Short-Term Counseling Resources/Info Work/Life Balance Parenting & Eldercare Family Relationships Legal Advice/Wills Financial Guidance 12 Sessions Person/Per Issue You & Members of Your Household Free & Confidential 24/7 39 Call: 877 -327 -2362 TDD: 800. 697. 0353 Guidance. Resources. com Web ID: HN 8876 C GET Click to the Chat with APP Consultant

Employee Discounts Tuition Discounts 40 Purchasing Discounts

Tuition Discounts For Direct Links ● Visit benefitoptions. az. gov > Employee Tab> Education Discounts ● Dedicated Web Links for State employees ● Tuition reimbursement policy determined by your agency 41

Purchasing Discounts azbenefits. perksconnect. com 42 ★

Enrollment

How To Enroll Step 1 - Learn ● Visit our website: benefitoptions. az. gov/newhire ● Review Enrollment Guide, rates & coverage ● Watch informational videos Step 2 - Learn More ● Visit myalex. com/adoa/2021 ● Understand your options ● ALEX IS FOR INFORMATION ONLY, NOT ENROLLMENT Step 3 - Enroll ● ENROLL ON YES. AZ. GOV, BY 31 -DAY DEADLINE ● hrsystems. azdoa. gov ● Y. E. S. Portal > Enrollment ● Follow the steps to enroll ● Save confirmation email ● EFFECTIVE DATE Benefits start the next pay period AFTER enrollment, if all required documentation is submitted within 14 days 44

Enrollment Eligibility Active Employee Seasonal, Temp, Variable Hour Employee Dependents ● Regularly scheduled to work 20 hours or more per week ● Paid for an average of at least 30 hours per week ● Your legal spouse ● Your child(ren) under 26 years old defined as: ● Your natural child, adopted child, stepchild, foster child, a child for whom you are a court-ordered guardian or a child placed in your home by court order pending adoption. ● Your child who was disabled before age 26 and continues to be disabled. ● Using 12 -month measurement period Please Note: ● Social Security numbers are needed for all dependents enrolled in the plan ● Supporting documentation may be required for dependents (birth certificate, marriage license)-full list on website. ● Duplicate coverage is not permitted. (Both spouses work for state, or one for state/one for university. ) 45

Qualifying Life Events - QLE These conditions allow you to make changes mid-year. Marital Status • • • marriage divorce legal separation annulment death of spouse er! b m e R 46 Dependent Status • • • birth adoption placement for adoption death loss of dependent eligibility due to age Employment Status or Work Schedule (Hours) • impacting benefits eligibility for your dependents Submit Changes Within 31 Days of Event

Key Contact Information

Key Contact Information ADOA HR Benefits Office benefitoptions. az. gov 602 -542 -5008 or 800 -304 -3687 benefits@azdoa. gov Wellness wellness. az. gov 602 -771 -9355 Blue. Cross Blue. Shield of AZ azblue. com/stateofaz 866 -287 -1980 United. Healthcare whyuhc. com/stateofaz 800 -896 -1067 48 ★ ★ Delta Dental of Arizona deltadentalaz. com/adoa 866 -978 -2839 Met. Life - Disability metlife. com/stateofarizona Phone: 866 -264 -5144 Cigna Dental cigna. com/sites/stateofaz 800 -968 -7366 Securian - Life lifebenefits. com/plandesign/Arizona 833 -745 -5517 Avesis - Vision avesis. com/arizona 888 -759 -9772 Com. Psych Employee Assitance Program guidanceresources. com 877 -327 -2362 Code: HN 8876 C TASC - Flexible Spending Accounts tasconline. com 833 -4301