1. 2014 Annual Retiree Benefits Open Enrollment

2. 2014 Insurance Highlights Medical Insurance continues with United Healthcare Approximately 3.8 % premium increase New Pharmacy-Optum Rx –New cards issued June 2013

3. 2014 Medical Insurance United Healthcare with two plan choices –Base Medical Plan: $1,500 Individual deductible –Accelerated Medical Plan: $500 individual deductible –Rx copays Base Medical Plan: after deductible Accelerated Medical Plan: immediate

4. 2014 Medical Insurance Base Plan (high deductible plan) –Available to retiree who are pre-65 Medicare eligible –After $1,500 individual deductible, Rx copays then apply –$3,000.00 deductible for family –Health Savings Account (HSA) option available Family members collectively required to meet family deductible –Medical Reimbursement Account (MRA) option available Two family members can meet individual deductible amount, and then family deductible reached

5. 2014 Medical Insurance Accelerated Plan (low deductible plan) –Available to retiree who are pre-65 and post-65 Medicare eligible –$500 Individual Deductible –$1000 for family Deductible –$10/$35/$60 Rx retail copays for the entire year, not subject to deductible

6. 2014 Insurance No Changes to Pharmacy Copays –Rx Tier copays at retail pharmacy Tier 1 = $10/ Up to 31-day supply Tier 2 = $35/ Up to 31-day supply Tier 3 = $60/ Up to 31-day supply –Rx Tier copays through mail order Tier 1 = $25/ Up to 90-day supply Tier 2 = $87.50/ Up to 90-day supply Tier 3 = $150/Up to 90-day supply

7. 2014 Medical Insurance Retiree Monthly Premiums Base Plan Monthly Premium **Accelerated Plan Monthly Premium Pre-65 Retiree$401.89*$502.42 Retiree + Spouse (NME)$843.52*$1,055.09 Retiree + Spouse (ME)$843.52*$926.27 Retiree + Child(ren)$763.19*$954.60 Retiree + Spouse (NME) + Child(ren) $1,164.86$1,457.03 Retiree + Spouse (ME) + Child(ren) $1,184.53$1,378.44 Post-65 Retireen/a*$423.85 Retiree + Spouse (NME)n/a*$890.10 Retiree + Spouse (ME)n/a*$890.10 Retiree + Child(ren)n/a*$805.32 Retiree + Spouse (NME) + Child(ren) n/a*$1,307.74 Retiree + Spouse (ME) + Child(ren) n/a*$1,229.16

8. Life Insurance Retiree Life Policy through Anthem Life –no change. $5,000 policy only for retirees who elected the policy at time of retirement Premium due of $4.56 November 15, for 2014

9. Medicare Eligible Once you become Medicare Eligible notify Human Resources –Copy of Medicare Card –Complete Cross Over Form –Medicare becomes Primary –United Healthcare becomes secondary

10. UnitedHealthcare Providers To find a United Healthcare Provider online: –http://www.uhc.com/ or http://myuhc.comhttp://www.uhc.com/http://myuhc.com –From here, you can search for a physician or hospital Contact information: –Donna Spencer – (573) 651-2855 or dspencer@semo.edu dspencer@semo.edu