Open Enrollment 2019 Open Enrollment April 23 rdth

Open Enrollment 2019

Open Enrollment April 23 rdth through May 24 th For vision, medical, and/or dental, you will remain in the same plan and network for the 2019 -2020 plan year if you don’t do anything Open Enrollment elections cannot be made after May 24 th All changes take effect on July 1 st

Enrollment Changes You must reenroll in the FSA (health or dependent care) Enroll or change your medical and dental Add or remove dependents Enroll in a Health Savings Account (HSA) – new enrollees only. If you are already enrolled, no action is needed Enroll or increase coverage for Life Insurance and Accidental Death & Dismemberment

What’s new for 2019 -2020 HSA/FSA yearly maximums increased. ◦ HSA Individual $3, 500 ◦ HSA Family $7, 000 ◦ FSA health $2, 700 FSA/HSA admin fees will be paid for by the college Up front college contribution to the HSA (July 22 nd paycheck) ◦ $1200 for single ◦ $1600 for 2 party/family

What’s new for 2019 -2020 (continued) Medical Copay Decreases ◦ Office visits will now be $25 ◦ Urgent Care will now be $35 ◦ Specialist will now be $35 No change in premiums for medical or dental

Eye Exam Reminder One annual eye exam person will only be covered under the vision plan through EMI Health Injuries to eye(s) will still be covered under your medical plan Free to enroll/add dependents on your vision plan

Open Labs May 9 Redwood Library Room 266 from 10: 00 am– 1: 00 pm May 17 Redwood Library Room 266 from 1: 00 pm – 4: 00 pm

HSA Contribution ▶ The college will do a one-time contribution $1200 for single coverage $1600 for 2 party or family coverage. On the July 1 -15 (July 22 nd) paycheck.

Health Savings Accounts: Increase Your Spending Power Healthcare HSA Tax Savings on ALL expenses related to medical, dental, & vision care Funds can be used as they are deposited Funds rollover each year so you can use your HSA to save tax-free money for retirement Flexibility in funding Can enroll whenever you become eligible

Who is Eligible for an HSA? An employee who is: Covered by a High-Deductible Health Plan (HDHP) Not enrolled in Medicare nor Medicaid Not covered under other health insurance *(Includes TRICARE and receipt of VA or IHS benefits within the previous 3 months) (Can be under a spouse’s HDHP) Not another person’s tax dependent

Whose expenses can your HSA cover? You and your spouse Any dependent claimed or eligible to be claimed on your tax return (defined by IRC Section 152) Dependents defined different for health insurance and HSAs: HSA funds cannot be used for medical expenses incurred by a child who is not eligible to be claimed as a dependent on your tax return Dependents ineligible for HSA reimbursement can still be covered on your HDHP

FSA & HSA Expenses Qualified § Doctor and hospital visits § Medical equipment § Chiropractic Care § Dental care § Vision care § Medications § The penalty for using HSA funds for unqualified expenses is 20% + taxes. Keep all itemized receipts in case of an IRS audit Not Considered “Qualified” § Insurance premiums (other than Medicare and some less common insurance types for the HSA) § Over-the-counter drugs without a prescription (insulin is an exception) § Cosmetic procedures § Expenses covered by another insurance plan § General health items

HSA vs FSA HSA § Funds are available as they are deposited § Must be covered by HDHP § No adjudication required § No use-it-or-lose-it FSA § Funds available on July 1 st § Medical coverage does not matter § Adjudication required on all expenses § Unused funds are forfeited at plan year end

Debit Card If you already have a debit card from last year: ▶ FSA funds will be loaded onto the card on July 1 st. ▶ HSA funds will be available as deposited

Flexible Spending Accounts – Increase Your Spending Power Healthcare FSA Tax Savings on ALL expenses related to medical, dental, & vision care Maximum contribution limit is $2, 700 Funds loaded to your NBS Master. Card on the 1 st day of the plan year (plus manual reimbursement options are available too) Dependent Care FSA Tax savings on your day care/child care expenses Maximum contribution limit is $5, 000 Continual reimbursement is available plus many other convenient reimbursement options

NBS Online Enrollment Portal www. mywealthcareonline. com/nbsbenefits

NBS Mobile App With the NBS mobile app, you can easily manage your benefits on-the-go! § View your account balances § See claim and reimbursement history § Submit claims § Attach documentation with your device’s camera § Set up account notifications and alerts § Report benefit card lost/stolen § Order new benefit cards § Quick contact to NBS § Available at the i. Tunes Store and Google Play Store.

Medical & Dental Benefits Open Enrollment 2019 -2020

DENTAL PROVIDERS 1, 275 GENERAL DENTISTS 291 SPECIALISTS OVER 100, 000 ACCESS POINTS NATIONWIDE No Changes

DENTAL RATES 2019 -2020 Per Pay Employee Premium 2019/20 Employee Two-Party Family $2. 25 $3. 75 $5. 95 No changes in premium

MEDICAL RATES 2019 -2020 Per Pay Period PAR TRADITIONAL PLAN HIGH DEDUCTIBLE PLAN Employee Two-Party Family $63. 00 $138. 00 $192. 00 TRADITIONAL PLAN $43. 25 $93. 25 $134. 50 HIGH DEDUCTIBLE PLAN $32. 00 $71. 00 $97. 00 TRADITIONAL PLAN $14. 00 $32. 00 $43. 00 HIGH DEDUCTIBLE PLAN $7. 50 $17. 00 $23. 50 $0 $0 $0 PVC Employee Two-Party Family PFP Employee Two-Party Family No changes in premium

ONLINE ENROLLMENT • Click the Regence Online Enrollment link on the HR website – April 23 rd – May 24 th • If you already have an account, log in – this is a separate login from your Regence. com account • First time users “Create an Account” – Identify yourself and then create a User ID and Password • Begin open enrollment process Online Enrollment Assistance 5 a. m. to 5 p. m. 855 -216 -8125

ONLINE ENROLLMENT -Screenshots

ONLINE ENROLLMENT Changes to make • • • Maintain personal information View important benefit information Compare plans Manage account information Link to other benefit websites

NETWORK OPTIONS

Participating • All 50 hospitals • 12, 885 providers • Includes Primary Children’s Hospital, Huntsman Cancer Institute, and University of Utah • All Urgent Cares including Insta. Cares and Kids Cares • Blue Card for National Access • Broadest Access • All Surgical Centers

Value. Care - PPO • 41 Hospitals • 12, 709 Providers • Includes Primary Children’s Hospital, Huntsman Cancer Institute, and University of Utah • All Urgent Cares including Insta. Cares and Kids Cares • Blue Card for National Access • Broader Access • All Surgical Centers

Focal Point • 13 Hospitals • 6, 889 Providers • Includes Primary Children’s Hospital, Huntsman Cancer Institute, and University of Utah • Blue Card for National Access • Includes the following counties: – Salt Lake – Utah – Davis – Weber – Tooele – Summit – Box Elder – Cache

Blue Network • 96% of Hospitals • 92% of Physicians • Blue Cross Blue Shield Association, www. bcbs. com

Ambulatory Surgery Centers Procedure Hospital Fee ASC FEE Difference % Savings ACL Reconstruction $16, 082 $8, 800 ($7, 282) 83% Knee Scope Lateral Release $6, 501 $3, 150 ($3, 351) 106% Total Hip Arthroplasty $26, 152 $17, 500 ($8, 652) 49% Shoulder Decompression $10, 022 $5, 900 ($4, 122) 70% Ulnar Nerve Transportation $5, 757 $3, 300 ($2, 457) 74% Colonoscopy $1, 472 $573 ($899) 157% Ear Tubes Bilateral $1, 513 $746 ($767) 103% © 2018 Regence Blue. Cross Blue. Shield of Utah. All rights reserved. Private and confidential. • All but Cottonwood Surgical Center is contracted.

BENEFITS

Medical Summary Traditional Plan Covered Medical Services In-network Out-of-network Deductible per plan year $400 claimant $800 family $1, 000 claimant $2, 000 family Pharmacy deductible per plan year $100 claimant $300 family Maximum out-of-pocket per plan year $3, 200 claimant $6, 500 family Pharmacy out-of-pocket per plan year $2, 000 claimant $6, 000 family $5, 000 claimant $10, 000 per family Accumulation from July 1, 2019 through June 30, 2020 -VSP direct for eye exams and materials. -Injuries to the eye continue with Regence coverage.

Traditional Plan Covered Services In-Network Out-of-Network Primary Care office visit for illness/injury $25 40% AD Specialist Care office visit for illness/injury $35 40% AD Other Practitioner Visit/Urgent Care office visit for illness/injury $35 40% AD Chiropractic Care office visit for illness/injury $35 40% AD Covered at 100% 25% AD Preventive Care (identified by age and gender) Imaging (CT/PET Scans, MRI’s) $50 Diagnostic, Laboratory, Radiology 20% AD 40% AD Emergency Room 20% AD 40% AD MDLive Teleheath $10 copay N/A (includes lab and radiology performed during an office visit, an ER visit, in-patient, out-patient, minor and major) AD Balance billing applies for out-of-network AD means after deductible $50 Copay/visit and 40% AD

Pharmacy Summary – Traditional Plan Covered Prescription Services Deductible per plan year Out-of-pocket maximum per plan year Covered Prescription Services Cost $100 individual / $300 per family Waived for Generics and Mail-order $2, 000 individual / $6, 000 family RETAIL 30 -DAY SUPPLY – not more than a 30 -day supply or 100 unit doses Cost Tier 1 (Generic) $7 deductible waived Tier 2 (Brand Name Preferred) 25% to a maximum of $150 per script Tier 3 (Brand Non-Preferred) 30% to a maximum of $175 per script SPECIALTY MEDICATIONS – 30 -DAY SUPPLY Cost Tier 4 (Generic and Brand Name Preferred) 10% to a maximum of $250 per script Tier 5 (Brand Non-Preferred) 15% to a maximum of $300 per script MAIL-ORDER 90 -DAY SUPPLY Tier 1 (Generic) Tier 2 (Brand Name Preferred) Tier 3 (Brand Non-Preferred) MAIL-ORDER 90 -DAY SUPPLY Cost $7 deductible waived 25% to a maximum of $300 per 90 -day supply 30% to a maximum of $437. 50 per 90 -day supply

Medical Summary - High Deductible Health Plan In-Network Out-of-Network Deductible $1, 500 single $3, 000 single Deductible $3, 000 family $6, 000 family Out-of-Pocket Max $3, 000 single $6, 000 single Out-of-Pocket Max $6, 000 family $12, 000 family Coinsurance After deductible, you pay 10% After deductible, you pay 30%* Accumulation from July 1, 2019 through June 30, 2020 Balance billing applies for out-of-network

High Deductible Health Plan Covered Services In-Network Out-of-Network Primary Care office visit for illness/injury $25 AD 30% AD Specialist Care office visit for illness/injury $35 AD 30% AD Other Practitioner Visit/Urgent Care office visit for illness/injury $35 AD 30% AD Chiropractic Care office visit for illness/injury 10% AD 30% AD Covered at 100% 30% AD Imaging (CT/PET Scans, MRI’s) $50 AD $50 Copay/visit and 30% AD Diagnostic, Laboratory, Radiology $25 AD 30% AD Emergency Room 10% AD 30% AD MDLive Teleheath $42/visit for medical $75/visit mental health $10 copay when deductible is met 30% AD Preventive Care (identified by age and gender) (includes lab and radiology performed during an office visit, an ER visit, in-patient, out-patient, minor and major) Balance billing applies for out-of-network AD means after deductible

Pharmacy Summary – High Deductible Covered Prescription Services Deductible per plan year Out-of-pocket maximum per plan year RETAIL 30 -DAY SUPPLY – not more than a 30 -day supply or 100 unit doses Tier 1 (Generic) Covered Prescription Services Cost Included in Medical deductible Included in Medical out-of-pocket maximum RETAIL 30 -DAY SUPPLY – not more than a 30 -day supply or 100 unit doses Cost $7 copay Tier 2 (Brand Name Preferred) 25% to a maximum of $150 per script Tier 3 (Brand Non-Preferred) 30% to a maximum of $175 per script SPECIALTY MEDICATIONS – 30 -DAY SUPPLY Cost Tier 4 (Generic and Brand Name Preferred) 10% to a maximum of $250 per script Tier 5 (Brand Non-Preferred) 15% to a maximum of $300 per script MAIL-ORDER 90 -DAY SUPPLY Tier 1 (Generic) Tier 2 (Brand Name Preferred) Tier 3 (Brand Non-Preferred) MAIL-ORDER 90 -DAY SUPPLY Cost $7 copay 25% to a maximum of $300 per 90 -day supply 30% to a maximum of $437. 50 per 90 -day supply Medications on the Optimum Value list have their deductible waived

Optimum Value-based medications (Usually Generic) Deductible waived on Qualified High Deductible Health Plan for medications used to prevent or manage chronic conditions: Depression Cardiovascular Disease Diabetes High Cholesterol Osteoporosis Asthma

PLAN COMPARISON Annual Premium Family Coverage Deductible Coinsurance Out-of-Pocket max (OOP) SLCC Annual HSA Contribution* Traditional Plan HDHP $4, 368 PAR $2, 232 PVC $564 PFP $2, 988 PAR $984 PVC $0 PFP $400 per individual $800 family Pharmacy - $100/$300 $1, 500 single $3, 000 family Pharmacy – Subject to medical deductible 80/20% 90/10% $3, 200 per individual $6, 500 family Pharmacy - $2000/$6000 $3, 000 single $6, 000 family Pharmacy – subject to medical OOP N/A $1, 200 for single enrollees $1, 600 for family enrollees* *The full HSA contribution will be front-loaded in July by SLCC

Example 1 EXAMPLE 1 – SINGLE Traditional High Deductible $2, 000 in medical expenses Deductible: $400 20% Coinsurance: $320 Member Total = $720 Deductible: $1, 500 10% Coinsurance: $50 Member Total = $1, 550 N/A $1, 200 ($1, 280) ($450) HSA Pays N/A *($1, 200) Member Balance $720 $350 Member Savings N/A $370 Annual Premium (Single Coverage Value Care) $768 $336 Annual Premium Savings N/A $432 Example: Individual Deductible/Coinsurance 2019 -2020 HSA Contribution Insurance Pays *SLCC will contribute $1, 200 for the July 1 -15 pay period into the employee’s HSA

Example 2 EXAMPLE 2 Traditional High Deductible $35, 000 in medical expenses Deductible: $800 20% Coinsurance = $5, 700 Member Total = $6, 500 Deductible: $3, 000 10% Coinsurance: $3, 000 Member Total = $6, 000 N/A $1, 600 ($28, 500) ($29, 000) N/A ($1, 600)* Member Balance $6, 500 $4, 400 Member Savings N/A $2, 100 $2, 328 $1, 032 N/A $1, 296 Example: Individual Deductible/Coinsurance 2019 -2020 HSA Contribution Insurance Pays HSA Pays Annual Premium (Family Coverage Value Care) Annual Premium Savings *SLCC will contribute $1, 600 for the July 1 -15 pay period into the employee’s HSA

Example 3 EXAMPLE 3 – PHARMACY Traditional High Deductible Humalog- Preferred Formulary Medication Pharmacy Deductible $100 per individual $300 per family Subject to medical deductible $1, 500 single $3, 000 family Average Cost of Medication $543. 94 per script Patient Balance Deductible: $100 25% Coinsurance = $110. 99 Member Total = $210. 99 Deductible: waived (Optimum Value Medication) 25% Coinsurance = $135. 99 Member Total = $135. 99 SLCC Annual HSA Contribution N/A $1, 200 (single) or $1, 600 (family) HSA Balance N/A $1, 064. 01 (single) or $1, 464. 01 (family) Example: *SLCC will contribute $1, 600 for family or $1, 200 for single coverage on the July 1 -15 pay period into the employee’s HSA Humalog = 100 Unit/ML = $543. 94 Avg Price

EMPLOYEE TOOLS

Regence. com View account information and order or print replacement ID cards Live chat with a customer service representative. Easy access and alerts for new claims, EOBs, messages See where you are at meeting your deductible and out-of-pocket maximum

Regence. com continued One-click access to telehealth through MDLIVE Find a doctor and access cost estimators Sign in to hubbub through Regence Medical Supply shopping and repayment made easy Baby. Wise maternity program provides support to help you have a healthy, full-term baby Advantages gives you discounts with many companies

Getting started at regence. com • Have your Member ID card ready • Answer a series of security questions • Keep your login and password in a secure place Select ‘Register’ and begin the guided registration process

Find a Doctor and estimate costs at regence. com Sign-in for providers and estimates tailored to you Select a category – doctor, place, estimate costs, treatment timelines and more Refine results based on network coverage, accepting new patients, provider language, and more Best coverage indicator provides insight to Category 1 providers. These providers typically offer the best coverage based on benefit design for copays and coinsurance Read reviews from members who have had an appointment with the doctor

Telehealth through MDLIVE Get care from anywhere, anytime • • Phone or video visit with a doctor More than nurseline – get treatment plan and Rx, if needed Available for spouses and kids 24/7/365 on-demand or by appointment Traditional PPO Plan $10 Copay High Deductible Plan $42 for medical $75 mental health until deductible is met, then $10 copay Register today at MD Live or by visiting your regence. com member dashboard

Telehealth through MDLIVE Common Issues • • Acne Allergies Asthma Bronchitis Cold & Flu Fever Headache Infections • • Joint Aches & Pains Nausea & Vomiting Pink Eye Rashes Sinus Infection Sore Throat Sunburn Urinary Tract Infection Register and be entered to win a prize Pediatrics • • Cold & Flu Constipation Earache Fever Nausea & Vomiting Pink Eye Sinus Infection Register today at MD Live or by visiting your regence. com member dashboard

Baby. Wise education and tools • Get regular updates about what to expect during pregnancy and prenatal appointments • Access to a nurse by telephone 24/7 • Regular contact from an assigned nurse (if high-risk) • Expert information about nutrition, breastfeeding and common pregnancy concerns • Access to Due Date Plus app to help track every step Call 1 -888 -JOY-BABY (569 -2229) to get started!

Medical supply shopping and repayment made easy • Visit regence. com Medical Supplies page to connect with retailers to buy crutches, breast pumps, CPAP supplies and more • Online shopping is convenient, saves time and may offer discounts • Get repaid for your covered portion using an easy online claims form Learn more at: regence. com/Medical. Supplies

Regence mobile app • • • Easily register for regence. com Access member ID card Check benefits and coverage View claims and EOBs Search for in-network doctors, specialist or clinic • Estimate out-of-pocket costs Learn more at: regence. com/mobile

Livongo