0. Saint Louis University
Employee Benefits 2015 Annual Enrollment

1. Benefits Overview—Coverages Offered
Medical/Prescription Drug
Vitality Wellness Program
Voluntary Dental
Health Savings Account
Flexible Spending Accounts
Basic Term Life and AD&D
Voluntary Term Life
Voluntary AD&D
Long Term Disability
Long Term Care
Business Travel Accident
New this year! (Non-Union Employees Only)
Voluntary Vision
Voluntary Accident
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

2. Medical/Prescription Drug Benefits
Annual Enrollment 2015

3. Highlights Effective January 1, 2015
Medical - UnitedHealthcare
Plus Plan: Medical and Prescription drug copays will accumulate towards the out-of-pocket maximum in the Plus Plan
QHDHP Plan
No plan changes
Health Savings Account
The Vitality™ Wellness Program
Participants save on medical premiums and earn rewards!
Health screenings and HRA completion are needed to receive wellness discount
If covering your spouse, both must complete requirements
Deadline: November 30
Prescription Drug – Express Scripts
No plan change to prescription drug benefits
Network continues to include Walgreens and Dierbergs

4. 2015 Medical Plan Options Implement network only plans
Plus Plan
QHDHP Plan
SLUCare
In-Network
Out-of-Network
Deductible
Non-Embedded:
(One member can satisfy entire family deductible)
Individual $0
$500
$750
$1,500
$3,000
Family
$1,000
$6,000
Coinsurance 0%
10%
40%
Out-of-Pocket Maximum (includes deductibles and all copays)
(One member can satisfy entire family OOP Max)
$4,750
$9,500
$12,000
Physician Office Visits
Primary Care
$10 copay
10% after ded.
40% after ded.
0% after ded.
Specialist Care
$20 copay
Preventive Care
100%
Inpatient Hospital
N/A
Emergency Room
$100 copay
Urgent Care Center
$50 copay
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

5. 2015 Pharmacy Plan Options
Plus Plan
QHDHP Plan
Express Scripts
Retail
(34-day supply)
Mail Order
(90-day supply)
Tier 1 $8
$16
Medical Deductible and Coinsurance
Tier 2
$30
$60
Tier 3
$50
$100
Tier 4
20% to $150
N/A
Preventive Medications
Priced according to the tier in which they fall
Covered at 100%, no copay or deductible
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)
Under the QHDHP, certain preventive, or “maintenance,” medications are covered at 100%... No deductible or coinsurance!

6. 2015 Cost Sharing
No change to rates!!! Premium has remained the same for 3 years!
Wellness Incentive remains at $50 for employee only coverage and an additional $25 for spouse coverage (all or nothing discount)
Plan
Monthly Premium Deductions
With Monthly Wellness Discount
Plus Plan
Employee Only
$143.79
$93.79
Employee and Spouse
$386.97
$311.97
Employee and Child(ren)
$332.25
$282.25
Family
$520.66
$445.66
QHDHP Plan
$79.64
$29.64
$252.24
$177.24
$210.36
$160.36
$328.20
$253.20
Plus Plan – Employees earning up to $33,000
$50.00 $0
$293.18
$218.18
$238.46
$188.46
$426.87
$351.87
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

7. 2015 Cost Sharing Bi-Weekly Premiums Plus Plan QHDHP Plan
Bi-Weekly Premium Deductions
With Bi-Monthly Wellness Discount
Plus Plan
Employee Only
$66.36
$43.28
Employee and Spouse
$178.60
$143.98
Employee and Child(ren)
$153.35
$130.27
Family
$240.30
$205.68
QHDHP Plan
$36.76
$13.68
$116.42
$81.80
$97.09
$74.01
$151.48
$116.86
Plus Plan – Employees earning up to $33,000
$23.08 $0
$135.31
$100.70
$110.06
$86.98
$197.02
$162.40
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

8. Health Savings Account
Annual Enrollment 2015

9. Health Savings Accounts
Health Savings Accounts (HSAs) are designed to help you save and pay for your healthcare now and when you retire
Triple tax savings:
Put money in pre-tax
Grow your savings tax free
Pay for qualified medical expenses income tax free
Account is always yours

10. HSA Eligibility for Account Holders only
You are eligible to open and contribute to an HSA if you:
If you don’t meet one of these eligibility requirements, you can still enroll in the QHDHP plan, you just cannot open and contribute to a Health Savings Account
Are covered by a Qualified High Deductible Health Plan (QHDHP)
Are not covered by any other health plan that is not a QHDHP
Are not enrolled in Medicare, Medicaid, or TRICARE
Have not received VA benefits within the past 3 months
Are not claimed as a dependent on someone else’s tax return
Are not covered by a Health FSA
(Must have $0 in your Health FSA before contributing to an HSA)

11. HSA Contributions Individual $3,350 $250 Family $6,650 $500
2015 Maximum Contribution Limit
* 2014 Limits: $3,300 for Individual, $6,550 for Family
IRS maximum reflects a combined employer + employee contribution
55+ can fund an additional $1,000/year; “catch-up” contribution
Please note SLU will only put seed money into an OptumHealth administered HSA. If you choose to go to a financial institution of your choice, then you will not receive the seed money.
HSA must be established by November 30 in order to receive seed money on January 1
Funds must physically be in your account before disbursements can be made
Any money remaining in the account at the end of the calendar year rolls over into the next year
2015
IRS Maximum
SLU Seed Money
Individual
$3,350
$250
Family
$6,650
$500

12. Taking Money OUT of an HSA
Issues in Distributions
Reimbursement of expenses for employee, spouse and Tax Code dependents are tax free
Expense must be incurred on or after the date the HSA was established
Qualified expenses include:
Health, dental and vision expenses
COBRA premiums
Medicare premiums
Qualified long-term care premiums
Retiree health insurance after age 65, but not Medigap/Supplement plans
Other withdrawals are taxable
Income tax, plus…
Subject to 20% excise tax if withdrawn prior to age 65
After you turn 65, or enroll in Medicare, you may withdraw money for non medical purposes without a penalty. The withdrawal is treated as retirement income and is subject to normal income tax.
It is important to save your receipts in case you are audited by the IRS
Account is between you and the IRS; OptumHealth bank does not substantiate your claims

13. HSA & FSA Participation
IRS guidelines prohibit participants from contributing to a Health Care FSA and an HSA at the same time
Spouses are ineligible to participate in their employer’s Health Care FSA
Ok if a Limited FSA – used for dental and vision expenses only
In order for you to fund an HSA on January 1, there must be a $0 balance in your Health Care FSA on December 31
You can still enroll in the benefit plan, but cannot contribute to an HSA account

14. Making Deposits Payroll Deduction
Arrange for an automatic payroll deduction into your account
Mail a Check
Make a deposit at any time on OptumHealth from your checking or savings account
e-Contribute
Arrange a regular electronic transfer from an account at another financial institution

15. Access Your HSA Funds
Use your UnitedHealthcare Health Savings Account Debit MasterCard®
Sign up for automatic bill pay and online banking
Use HSA checks
Pay with personal funds and reimburse yourself from your HSA

16. myuhc.com Benefit summaries Deductible accumulator
Treatment cost estimator
Check statements
Pay bills to health care providers
Update personal information
Learn about QHDHPs and HSAs
HSA calculators

17. Additional Programs UnitedHealthcare: Diabetes Prevention and Control
Pre-diabetics work with YMCA lifestyle coaches to prevent the progression
Diabetics work with Shop N’ Save pharmacists face-to-face to help control and improve prescription compliance, set goals, and review lab work
Diabetes Health Plan
Members incentivized to comply with recommended Medical and Rx guidelines
Plus Plan: No office visit or pharmacy copays for diabetes-related eligible expenses
Available only when using SLUCare physicians

18. Vitality
Annual Enrollment 2015

19. www.powerofvitality.com Earn points by:
Review and activate your personal health goals
Update or confirm your contact information
Complete an online Course to learn about a health topic
Complete a Vitality Check™ biometric screening with a Vitality partner
Schedule Healthy Habits and Preventive Screenings
Track your workouts using a Vitality-approved fitness device
Sign up at a Partner Health Club
Get CPR or first aid certified
Once you build up your points, go spend them!
Rewards in the Vitality Mall:
Amazon Gift Cards
Hotel discounts to Hyatt
iTunes gift cards
Movie theater ticket vouchers
Fitbits, Fitbugs, Garmin, and Polar devices
Charity
Please note: This list does not cover the program in its entirety. Please refer to the web site for complete program activities, rules and details.
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

20. Voluntary Dental Benefits
Annual Enrollment 2015

21. Voluntary Dental Benefits
Coverage will remain with Delta Dental
Choose among two dental plan options
Both plans include Delta’s PPO and Premier dentists
Option 1: Flex Plan
No benefit changes
Last year the maximum was increased from $1,000 to $1,500
Option 2: Basic Plus
Combination of previous Basic Plus and Basic Plan
Both in and out of network benefits
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

22. Voluntary Dental Plan—Delta Dental
Flex Option
Basic Plus
PPO Network
Out-of-Network
PPO Network Only
Deductible
Individual
$50
$25
Family
$150
$75
Calendar Year Maximum
Per person
$1,500
$1,000
Preventive Care (Member Responsibility Shown)
0% no deductible
50% no deductible
Basic Restorative Care ( Member Responsibility Shown)
10% after deductible
30% after deductible
65% after deductible
Major Restorative Services (Member Responsibility Shown)
40% after deductible
60% after deductible
80% after deductible
Orthodontia
Lifetime maximum (per person)
50%
For adults and children to age 26
60%
For children to age 19 only
75%
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

23. 2015 Dental Contributions Flex Basic Plus Monthly Single $36.01 $21.07
Two-person
$70.49
$40.52
Family
$120.69
$72.60
Bi-Weekly
$16.62
$9.72
$32.53
$18.70
$55.70
$33.51
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

24. Voluntary Vision Benefits
Annual Enrollment 2015

25. Voluntary Vision Benefits
New benefit this year! (Non-Union employees only)
Offered through Vision Service Plan (VSP)
Plan includes benefits for eye exam, frames, contacts, etc.
In-Network vs. Out-of-Network
In-Network = no claim forms to complete
Out-of-Network = must submit claim form for reimbursement
VSP.com
Find a provider
Network: Choice
Register and review benefit information
Discounts available
Print an ID card (not necessary to use benefits)
Plan is 100% employee paid
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

26. Voluntary Vision Plan—VSP
Vision Plan
In-Network
Out-of-Network
Exam
Wellvision Exam
$10 copay
Up to $45 allowance
Lenses
Single
Up to $30 allowance
Bifocal
Up to $50 allowance
Trifocal
Up to $65 allowance
Frames
$150 allowance for a wide selection of frames; $170 allowance for featured frame brands; 20% on the amount over your balance
Up to $70 allowance
Contacts (in lieu of glasses)
$150 allowance for contacts; including the contact lens exam (fitting and evaluation)
Up to $105 allowance
Frequency
Exam/Lenses/Contacts (in lieu of glasses)
Every calendar year
Every other calendar year
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

27. 2015 Vision Contributions Vision Plan Monthly Employee Only $7.02
Employee and Spouse
$12.76
Employee and Child(ren)
$13.38
Family
$20.33
Bi-Weekly
$3.24
$5.89
$6.18
$9.54
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

28. Voluntary Accident Benefits
Annual Enrollment 2015

29. Voluntary Accident Benefits
New benefit this year! (Non-Union employees only)
Offered through Voya Financial (formerly ING)
Plan reimburses expenses that occur due to an accident
Coverage is guarantee issue – no health questions asked
No “Network”
When you have an expense, you must submit a claim form; reimbursement will then be mailed as a check
24-hour coverage – accidents on or off the job are eligible
Plan is 100% employee paid
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

30. Voluntary Accident Plan—Voya
Below is a sample list of benefits, it does not include all the benefits available under the policy.
 Service
Benefit Amount
Accident Hospital Care
Surgery (open abdominal, thoracic)
$1,200
Hospital Confinement
$250/day up to 365 days
Coma (14 or more days)
$6,000
Follow-Up Care
Medical Equipment
$120
Physical Therapy
$30/treatment (6 max)
Prosthetic Device
Emergency Care
Ground Ambulance Transport
Air Ambulance Transport
$600
Emergency Room Treatment
$180
Common Injuries
Burns, Laceration, Torn Knee Cartilage, Paralysis, Tendon/Ligament/Rotator Cuff
Varies
 Service
Benefit Amount
Common Injuries – Dislocations
Hip Joint
$2,400/$4,800
Knee
$1,200/$2,400
Shoulder
$360/$720
Common Injuries – Fractures
Hip
$1,800/$3,600
Leg
$960/$1,920
Ankle
Kneecap
Nose
$120/$240
Other Benefits
Wellness Benefit
(completion of health screening test)
$100/employee or spouse
$50/child (max of 4)
Sickness Hospital
Confinement Benefit
$100/day for employee or spouse
$75/day for children
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

31. 2015 Accident Contributions
Accident Plan
Monthly
Employee Only
$24.74
Employee and Spouse
$41.90
Employee and Child(ren)
$39.62
Family
$56.78
Bi-Weekly
$11.42
$19.34
$18.29
$26.21
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

32. Flexible Spending Accounts
Annual Enrollment 2015

33. Flexible Spending and Dependent Care Accounts
Administration will remain with ConnectYourCare
You must make a new election for the 2015 plan year; current elections cannot be carried forward
Debit card allows direct payment
Eases payment, but does not substantiate claims – receipts may still be needed!
Use at authorized vendors (medical facilities, hospitals, pharmacies, etc.)
Remember if you are electing the QHDHP plan and open an HSA, the IRS requires your Health FSA balance to be $0.00 on January 1, 2015 before contributing to an HSA
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

34. Flexible Spending and Dependent Care Accounts
Due to health reform, annual maximum for the Health FSA will be remain at $2,500
Annual maximum for the Dependent Care Account will remain at $5,000 ($2,500 if married and filing separate returns)
For the Health FSA
Total election amount less previous reimbursements is available at the time of transaction
For the Dependent Care FSA
Only the cash balance in your account is available at the time of transaction
You cannot roll over unused balances from one year to the next
Use it or lose it rule applies
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

35. Eligible Medical FSA Expenses
Copays, coinsurance and deductibles for medical, prescription and dental plans
Eye exams, contacts and eyeglasses
Laser eye surgeries
Hearing aids
Over-the-counter medical supplies
Bandages, splints, contact lens solution, etc.
Over-the-counter medical medications must be accompanied by a prescription
Insulin
Some expenses not covered by your medical plan
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

36. Annual Enrollment 2015

37. 2015 Annual Enrollment
Plan elections are binding for the 2015 plan year, unless you experience a qualifying life event:
Marriage
Birth/adoption
Divorce
Death
Change in employment status
Change in dependent status
Life status changes allow you to make benefit election changes
The Benefits Department must be notified within 31 days of life change
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

38. 2015 Annual Enrollment Enrollment season is November 1 through 30
If making changes, do so through Banner Self-Service
Current medical and dental elections will carry forward
Must actively enroll in vision and accident plans, if interested
New and existing HSA, Dependent Care and Health FSA participants will need to make an election for Current deductions will not carry forward.
New HSA participants will also need to establish an OptumHealth bank account by November 30 in order to receive seed money
Update beneficiary information if necessary
All enrollment elections must be completed online no later than Sunday, November 30, 2014
Benefits Office will be closed Thursday, November 27 and Friday, November 28
Contact or with questions!
Implement network only plans
Increase out-of-network costs that are properly placed in silos
Limit out-of-network coverage to a percent of Medicare
Covert from Coordination of Benefits to Maintenance of Benefits (COB to MOB)

39. Questions?