Health Flex for West Virginia Introducing Health Flex

Health. Flex for West Virginia Introducing: Health. Flex for 2022

Health. Flex—Exceptional Quality Top Health Plan Partners • Blue Cross Blue Shield of Illinois • Optum. Rx • VSP • Cigna • Health. Equity 2 | Wespath National Provider Networks • All plans have same broad provider networks • All plans have same Optum. Rx formulary Award-Winning Well-Being • Virgin Pulse • Quest Diagnostics • Omada • And more! Generous Incentives • Pulse Cash for activity, screening and Wellness points • Avoid higher deductible in 2023 by taking Health Check health risk assessment in 2022

Benefits to Participants and Families • Broad coverage for medical, pharmacy, behavioral health, vision and dental • Comprehensive well-being programs and incentives • Tax-advantaged reimbursement accounts • Dedicated Wespath customer service support • Tools and programs to support consumerism (e. g. , telemedicine) 3 | Wespath

Helping Individuals Choose • How many people am I covering? • How much service will we use? • How comfortable am I with large expenses? • How close am I to Medicare? Get answers from: 4 | Wespath

ALEX Benefits Counselor Available for Annual Election Lively graphics, animation, and humor About 20 minutes to complete Explains confusing benefit concepts and info with simple language • Personalized recommendation for plan choices and health account contributions • • 5 | Wespath

All Health. Flex Plans—How They Work Participant pays all Participant pays part Participant can use: FSA, HRA or HSA $ Copayments can be due before or after the deductible has been met, but not after the OOP max has been reached. 6 | Wespath Plan pays all of covered expenses OOP Max

Included in All Health. Flex Plans 100% coverage on in-network wellness and preventative services An out-of-pocket maximum that is a cap on all covered expenses The same provider networks/ drug formularies and discounts on service and medication Deductible that must be met before medical services are covered (not including dental/vision expenses) Coinsurance payments on inpatient and outpatient services 7 | Wespath

Different Health Benefits Safety Nets HIGHER Monthly Premium LOWER Monthly Premium Bills for Services Closer Safety Net 8 | Wespath Bills for Services Lower Net (still protected)

Health. Flex Plans with HSA Plans with HRA Which Plan Is the Best Fit? Some plans cost more each month in premium, but have lower out-of-pocket costs for services; and some have higher out-of-pocket cost for services, but cost less in premium. 9 | Wespath

Health. Flex Plans HSA Plans H 1500 HRA Plans H 2000 H 3000 C 2000 B 1000 C 3000 B 1000 Health Account Employer Contributions $750 for 1 person $1, 500 for > 1 person $500 for 1 person $1, 000 for > 1 person None $1, 000 for 1 person $250 for 1 person $2, 000 for >1 person $500 for >1 person None Deductible You pay all $1, 500 person $3, 000 per family $2, 000 per person $4, 000 per family $3, 000 per person $6, 000 per family $1, 000 person $2, 000 per family If > 1 person is covered the family deductible always applies Co-insurance You pay part (Plan pays │ You pay) 80% │ 20% 70% │ 30% 40% │ 60% 80% │ 20% 50% │ 50% 80% │ 20% Out-of-Pocket Max (OOP) After this, plan pays all $5, 000 per person $10, 000 per family $6, 000 person $12, 000 per family $5, 000 per person $10, 000 per family $5, 000 person $10, 000 per family Pharmacy Benefit Highlights Generics $10 (30 day), $25 (90 day) after deductible You pay 60% after deductible Generics: $10 (30 day), $25 (90 day) Preferred brand 25% after deductible (with min/max cost) Preferred brand: 25% (with min/max cost) Generics $10 (30 day), $25 (90 day) Preferred brand 25% ( min/max ) Deductibles illustrated above assume participant and covered spouse (if applicable) meet Health. Quotient (HQ) incentive requirement. 10 | Wespath

Most Plans Include Health Account Funding Tax-advantaged accounts help participants be more involved in how they spend money on health care. 4 of 6 Health. Flex plan premiums include employer contributions into a health account. H 1500 Health Account Funding HSA Plans* H 2000 $750 for 1 person $500 for 1 person $1, 500 for > 1 person $1, 000 for > 1 person H 3000 None * HSAs permit you to make tax-advantaged contributions, too. 11 | Wespath HRA Plans C 2000 C 3000 $1, 000 for 1 person $250 for 1 person $2, 000 for > 1 person $500 for > 1 person B 1000 None

Plan Similarities and Differences HSA Plans Preventive Services (in-network covered at 100%) Out-of-Pocket Maximum (includes deductible, co-payments, and co-insurance for medical, behavioral health and pharmacy; does not include dental/vision) Inpatient/Outpatient Medical Services After you pay deductible, then plan co-insurance helps pay costs Broad, Nation-Wide Networks and drug formularies Doctor, Urgent Care and ER Visits Fixed co-payment Doctor, Urgent Care and ER Visits Co-insurance after deductible is met 12 | Wespath HRA Plans B 1000

Plan Similarities and Differences HSA Plans Pharmacy Co-payment or co-insurance before deductible is met Pharmacy Co-payment or co-insurance after deductible is met Mental Health Outpatient Counseling Fixed co-payment Mental Health Counseling Co-insurance before deductible is met Mental Health Counseling Co-insurance after deductible is met 13 | Wespath HRA Plans B 1000

Health. Flex Plans vs Current WVUMC Plan B 1000 H 2000 C 3000 WV Ministers Plan Health Account Contributions None $500/$1, 000/$2, 000 $250/$500 None Deductible You pay all $1, 000/$2, 000/$4, 000 $3, 000/$6, 000 $2, 000/$4, 000 80% │ 20% 50% │ 50% 70% │ 30% If > 1 person is covered the family deductible always applies Co-insurance 80% │ 20% Plan pays | You pay Co-payments (BH, PCP, Specialist, ER) 70% │ 30% $15/$30/$50/$200 N/A N/A Out-of-Pocket Max $5, 000/ (OOP) $10, 000 $5, 000/ $10, 000 Pharmacy Highlights Generics: $10 (30 day); $25 (90 day) after deductible; Preferred brand 30% after deductible Generics: $10 (30 day); $25 (90 day) Generics: $10 -$25 Pref brand: 30% 14 | Wespath $5, 000/ $10, 000 Preferred brand: 30% $15/$15/$50 $3, 850/ $7, 700 Maintenance: $35 or 30% (up to $100) Non-maintenance: 25% after deductible

2022 Monthly Net Cost By Plan Monthly Rates by Tier Participant Only Participant + 1 Participant + 2 or more (family) 15 | Wespath H 1500 H 2000 H 3000 C 2000 C 3000 B 1000 with HSA with HRA $358 $207 $20 $401 $188 $470 $682 $394 $38 $763 $358 $894 $931 $538 $50 $1, 043 $488 $1, 221

Dental Plan Choices—Cigna Advantage Network Passive PPO 2000 • $2, 000 maximum annual benefit • Same coinsurance in-network/ out-of-network* PPO DHMO • $2, 000 maximum • No maximum annual benefit (inbenefit network) • Follows charge • $1, 000 maximum schedule annual benefit (out • In-network only -of-network) Wellness benefit increases PPO/Passive PPO annual maximum ($150 per year up to $450 higher) * Out-of-network subject to reasonable/customary limitations 16 | Wespath Find an in-network dentist: cigna. com

Dental Plan Premiums* Monthly Rates by Tier PPO Passive PPO 2000 Dental HMO Participant Only $40 $49 $14 Participant + 1 $80 $98 $26 Participant + 2 or more (family) $121 $147 $45 *Conference is providing an additional $40/month to help offset dental/other costs--more information on how credits will appear will be provided in the fall prior to Annual Election 17 | Wespath

Vision Plan Choices—VSP Vision • Exam-only: Exams covered (glasses, materials discounted) • Full service: Exam plus $160 toward glasses or contacts • Premier: Exam plus $200 (each) toward glasses and contacts or 2 pairs of glasses To find in-network vision provider: vsp. com 18 | Wespath

Vision Plan Premiums Monthly Rates by Tier Exam Core Full Service Premier Vision Participant Only $0. 00 $7. 96 $14. 16 Participant + 1 $0. 00 $12. 86 $22. 94 Participant + 2 or more (family) $0. 00 $20. 34 $36. 38 19 | Wespath

Well-Being Overview Well-being programs based on 5 dimensions 20 | Wespath

Well-Being Programs Health. Flex website—This is your hub to vendor partner websites, benefits information, health tools, wellness success stories, videos and more. Start at wespath. org Virgin Pulse—Track physical activity and healthy habits, and learn new well-being tips and hints every day. You also receive Pulse Cash along the way Diabetes Prevention Program—Online program for those at risk for diabetes, heart disease or with non-insulin dependent diabetes; reimbursement for participation in a local community-based program Health Coaching —Confidential, phone-based coaching can help you stay on track toward achieving well-being goals 21 | Wespath

Well-Being Programs Employee Assistance Program (EAP)—Contact the EAP for confidential counseling related to work, relationship, family life, relocation and more (8 EAP sessions at no cost) Work/Life Services— On-line and phone-based representatives help you find local resources for child care, elder care, legal needs and more; especially helpful during appointment changes relocation MDLIVE—Consult with physicians by phone, secure video or mobile app when your regular provider is unavailable WW®—Health. Flex offers a 50% subsidy on WW membership fees for local meetings and WW Online. Plus 22 | Wespath

Health and Wellness Team–Additional Advocacy Additional layer of customer service, advocacy and expertise 23 | Wespath

ALEX Benefits Counselor • Available mid-September through Annual Election • Lively graphics, animation, and humor • About 20 minutes to complete • Explains confusing benefit concepts and info with simple language • Personalized recommendation for plan choices and health account contributions 24 | Wespath

ALEX Recommends a Plan • ALEX “crunches” the numbers: premium, credit, and estimated out of pocket costs • Compares side by side and recommends a plan for you 25 | Wespath

Annual Election (AE): November 3 – November 18 • Use ALEX to decide which plans you want – ALEX does not enroll you in any plans! • During AE—make your elections for 2022 – Choose from 6 medical/Rx, 3 dental, and 3 vision plans – Make FSA and/or HSA* contribution elections – Accept the terms and conditions for HSA (if applicable) – Select a primary dentist in the DHMO (if applicable) * HSA contributions require enrollment in an HSA plan and attestation that you are eligible per IRS guidelines 26 | Wespath

Need Help or Don’t Want to Go Online? Beginning in late October, you can contact our AE support center by phone for information • Basic medical plan information (HSA vs. HRA vs. PPO plans) • Health account information (differences and limits) • Drug pricing differences between plans AE Support: 1 -844 -688 -1375 Monday – Friday ⁄ 7 a. m. – 7 p. m. , Central time 27 | Wespath

Rx Transition • Review formulary to see if your medications are listed • Speak to your doctor about generic alternatives • During AE, price medications online to determine how each play will pay • Get maintenance medication refills in December, if possible 28 | Wespath

Timeline Summer 2021 Fall 2021 November 2021 January 2022 • Wespath direct participant communications begin • Decision support (ALEX) available to participants • Annual Election —participants choose medical, dental, and vision plans • New benefits go live • Participant workshops • AE communications • Webinars • Choosing your plan • Plan comparisons • Finding a doctor • Prescription transition 29 | Wespath