1. Humongous Insurance 2011-2012 Benefit Plan Recommendations Kitty Poehler Executive Director of Personnel Services

2. Plan Performance Two stop loss claims equal $300,000 Core plan performing 13% above projections Basic plan performing 22% below projections Dental plan performing 16% below projections No recommended premium increases for 2011-2012 Reduction in District contribution from $260 to $225

3. Required Changes for 2011-2012 as a result of Health Care Reform Act Remove dollar limits for Hospice Care, Sleep Studies, Diabetic Supplies, and TMJ Treatment For Chiropractic Services remove $1,000 annual Limit and limit these services to 20 visits per year Remove $250 lifetime dollar limit for a wig after Chemotherapy and instead limit to one per lifetime Remove $1500 annual limit for prosthetics and make them subject to prior authorization for any amount over $1500

4. Increase in Employee Cost All participants will have a $35.00 per month increase as a result of the reduction in the District Contribution as part of Tier I budget cuts No other premium increases are recommended at this time for medical No premium increase for dental No premium increase for vision

5. Plan design change recommendations Core and Basic Plan retail drug premiums for brand name drugs increased from $25 to $35 Core and Basic Plans mail order co-pays increase generic from $20 to $25 Core and Basic Plans mail order co-pays increase brand from $70 to $75 Core Plan In-Patient Hospital co-insurance decreased from 90% to 80% Core Plan Out-Patient Hospital co-insurance decreased from 80% to 70% Reduce the Alternate Plan Daily reimbursement from $500 to $50 per day. Core Plan add a $200 Emergency Room Co-pay along with 30% coinsurance before all other benefits are paid. Basic Plan add a $200 Emergency Room Co-pay along with 20% coinsurance before all other benefits are paid. Basic Plan Change the In Network Co-Insurance from 80% to 70% and Out Of Network from 60% to 50%.

6. How do we compare to TRS Active Care Employee Cost ActiveCare2Northwest Core Plan In Network Deductible Individual$ 750 N/A Family $2,250 N/A Coinsurance Individual$750 + 20% 30% Family$2,250 + 20% 30% Out of Pocket Max Individual$2,000 $4,000 Family$6,000 $8,000

7. How do we compare to TRS Active Care Employee Cost ActiveCare2Northwest Core Plan In Network In Network Office Visit $25/3530% Emergency Room Individual$150 + $750 + 20% $200+ 30% Family$150+ $2,250 + 20%$200 + 30% Hospital Admission Individual$150+$750 + 20% 20% Family$150+$2,250 +20%20%

8. How do we compare to TRS ActiveCare 2 Prescription Costs? Employee Prescription Drug Cost ActiveCare2Northwest Core Plan In Network In Network Deductible $100$100 Retail 30-Day Generic $15Greater of $5 or 30% Preferred Brand $35Greater of $35 or 30% Non-Preferred $60 $125 (Specialty Drug) Mail Order – 90 Day Generic $45$25 Preferred Brand $105$75 Non-Preferred $180N/A Specialty Drug

9. Premium Costs Active Care22011-2012 Plan Employee Only$176.00$153.00 Employee Child(ren)$432.00$509.00 Employee/Spouse$729.00$621.00 Employee/Family$827.00$817.00

10. Where do we come in District Contribution to surrounding Districts? DistrictPlan YearContributionPremium Increase Garland ISD2010-2011$350.006% + Plan Changes Lewisville ISD2010-2011$347.506% + Plan Changes Carroll ISD2010-2011$290.006% + Plan Changes Grapevine-Colleyville ISD 2011-2012$285.0020% + Plan Changes Keller ISD2011-2012$275.005% + Plan Changes Denton ISD2010-2011$259.005% + Plan Changes Irving ISD2010-2011$265.006% + Plan Changes Carrollton-Farmers Branch ISD 2010-2011$262.006% + Plan Changes Plano ISD2010-2011$259.006% + Plan Changes Mesquite2010-2011$242.006% + Plan Changes Northwest ISD2011-2012$225.00$35.00 + Plan Changes Birdville ISD2010-2011$225.006% + Plan Changes HEB ISD2010-2011$225.006% + Plan Changes Eagle Mountain Saginaw ISD 2010-2011$225.006% + Plan Changes

11. District Rate Comparison DistrictPlanPlan Year Employee Only Rate Employee / Family Rate NISD – Core Plan 30% Coinsurance 2011-2012$153.00 $817.00 Birdville ISD $500 Deductible ActiveCare 22011 - 2012$209.00$860.00 Carroll ISD $500 Deductible ActiveCare 22011 - 2012$144.00$795.00 Carrollton-Farmers Branch ISD $500 Deductible ActiveCare 22011 - 2012$172.00$823.00 Denton ISD$500 Deductible2011$158.40$754.50 Eagle Mountain-Saginaw ISD $500 Deductible ActiveCare 22011 - 2012$209.00$860.00 Irving ISD $500 Deductible ActiveCare 22011 - 2012$137.00$788.00 HEB ISD $500 Deductible ActiveCare 22011 - 2012$209.00$860.00 Keller ISD$625 Deductible2011$51.50$674.65 Lewisville ISD $500 Deductible ActiveCare 22011 - 2012$86.50$737.50 Plano ISD $500 Deductible ActiveCare 22011 - 2012$175.00$826.00

12. District Rate Comparisons Other Plans Offered by Other Districts: In Ascending Deductible Order DistrictPlanPlan Year Employee Only Rate Employee / Family Rate Denton ISD$1,000 Deductible2011$108.50$629.50 Grapevine-Colleyville ISD$1,000 Deductible2011$155.00$925.00 Northwest ISD$1,100 Deductible2011 - 2012$75.00$580.00 Lewisville ISD $1,200 Deductible ActiveCare 12011 - 2012$0.00$469.50 Carroll ISD $1,200 Deductible ActiveCare 12011 - 2012$35.00$527.00 Carrollton-Farmers Branch ISD $1,200 Deductible ActiveCare 12011 - 2012$63.00$555.00 Plano ISD $1,200 Deductible ActiveCare 12011 - 2012$66.00$487.00 Birdville ISD $1,200 Deductible ActiveCare 12011 - 2012$100.00$592.00 Eagle Mountain-Saginaw ISD $1,200 Deductible ActiveCare 12011 - 2012$100.00$592.00 HEB ISD $1,200 Deductible ActiveCare 12011 - 2012$100.00$592.00 Irving ISD $1,200 Deductible ActiveCare 12011 - 2012$28.00$520.00 Grapevine-Colleyville ISD$1,750 Deductible2011$57.00$555.00 Grapevine-Colleyville ISD$2,500 Deductible2011$0.00$415.00

13. NISD Wellness Center Employees are currently scheduled for Personal Health Plan Assessments Working on developing hours of operation schedule Analyzing and determining prescription drugs for Center Construction is underway on the Wellness Center

14. NISD Wellness Center

15. Strategic Goals II: Northwest ISD will recruit, develop, retain, and recognize an exceptional, highly motivated staff to optimize student engagement and learning Strategic Goal IV: Northwest ISD will provide premier facilities and support systems that enhance a positive learning environment and foster student and community pride.

16. Questions