1. MUNPA Group Health Benefits 15 October 2009

2. Agenda Introductions & Comments Current Benefit Program –Hospital –Drugs –Extended Health Benefits –Dental –Retiree Survivor Coverage Worldwide Travel Benefit –Travel Product Evolution –Travel Benefit Overview –Review of Eligible Items –Making Claims Obtaining Information Questions

3. Introductions Susan King Client Services Representative, Corporate Accounts Jerry Mercer Director Corporate Accounts, Newfoundland & Labrador

4. Comments Intent of this session is to provide an overview of current benefit program highlighting recent revisions to the Insurance program at MUN and to review the details of the Worldwide Travel program The unit rates for the MUN program are the same for Active and Retirees

5. Current Benefit Program Health Hospital Drugs Extended Health Benefits Worldwide Travel Dental Retiree Survivor Coverage

6. Current Benefit Program Health Eligibility Retiree can choose Single or Dependent coverage Common law spouse covered after 12 months Spouse or common law can be same sex If retiree chooses single (when they have dependents) and later applies for dependent coverage then medical evidence must be provided Dependent child covered if under the age of 21 Dependent child age 21 to 24 are covered if attending post secondary school and depending upon the retiree for support

7. Current Benefit Program Hospital Coverage provides for the difference between the ward and the semi- private room Semi-private is paid at 100% Payment is direct to the hospital when you present you Blue Cross Identification card This benefit is eligible in any province in Canada

8. Current Benefit Program Drugs Includes Prescription drugs approved by Medavie Blue Cross that require a prescription from a physician Some over the counter (OTC) products are also available for example, Insulin Diabetic Supplies can now be submitted directly by the pharmacy and co-pay is 20%

9. Current Benefit Program Drugs Adjudication details –Amount eligible is paid directly to the pharmacy –Ingredient cost paid by the program –Co-pay is the markup plus the dispensing fee charged by the pharmacy –Drug falls in one of three possible categories: Eligible Not Eligible Covered if approved by Special Authorization process

10. Current Benefit Program Extended Health Benefits Program covers 80% eligible expense $25 deductible per calendar year per single/family Most claims are on a reimbursement basis

11. Current Benefit Program Extended Health Benefits Effective 01 April 2008 –Orthopedic Footwear & Supplies Maximum reimbursement increased to $200 per calendar year –Private Duty Nursing Revised to a managed benefit which involves pre-approval by Blue Cross and includes services of a Personal Care Worker. Maximum reimbursement is $10,000 per calendar year.

12. Current Benefit Program Extended Health Benefits –Vision Care Eye Exams: One every 24 months, 12 months for dependent children Frames, Lenses/Contact Lenses, Laser Corrective Surgery: Maximum payable of $250 in 24 months, 12 months for dependent children

13. Current Benefit Program Extended Health Benefits Effective 01 April 2009 –Hearing Aids Increased to provide 80% reimbursement of the cost of hearing aids to a maximum of $1,000 per ear per participant in any 24 consecutive months

14. Current Benefit Program Extended Health Benefits Ambulance ServicesOxygen Prosthetic AppliancesMassage Therapist GlucometersPsychologist AcupuncturistDurable Equipment Burn Pressure GarmentsPsychiatrist Paramedical PractitionersAccidental Dental ChiropractorPodiatrist Surgical Stockings

15. Current Benefit Program Dental Effective 01 April 2009 –Dental expenses reimbursed based on 2008 Newfoundland Dental Society Fee Guide –Basic Benefits paid at 80% –Major Restorative Dental Services Reimbursed at 70% of the eligible expense to a maximum of $1,000 per participant per calendar year Eligible items includes inlays/onlays, crowns, dentures and bridges

16. Current Benefits Program Retiree Survivor Coverage If in receipt of survivor pension the spouse may continue coverage Coverage is eligible until the death of the spouse Applies to both Health and Dental

17. Current Benefit Program Worldwide Travel Benefit

18. Travel Product Evolution The product was introduced as an add on to group benefits about 35 years ago Provide coverage for active employees and their families traveling on vacation outside their province of residence Trips were usually short duration of 2 to 4 weeks The same product was extended to retirees

19. Travel Product Evolution Group Product – Active and Retiree’s –In the beginning any medical condition you had must have been stable and you were not expected to require any treatment during the trip

20. Travel Product Evolution Travel trips began to fall into one of three types –Active employee trips began to get longer in duration 3 to 5 weeks –Dependents of active employees (students) were attending post secondary facilities outside their province. Trips were commonly 12 to 14 weeks –Retirees were now traveling more, some up to six months

21. Travel Product Evolution Group Product – Retiree’s –Wording was revised to: Medavie Blue Cross will not pay any benefit or accept any liability for claims relating to a medical condition/illness/injury or related medical condition/illness/injury which has: deteriorated; or been diagnosed; or required medical consultation; or required hospitalization; or required a change in medication; at any time within the six month period immediately prior to the date of departure from the Participant’s province of residence

22. Travel Benefit Overview Worldwide Travel –This benefit provides coverage for both accident and or unexpected illness outside the province of residence –You must have coverage under a provincial medical care program –Benefits are 100% over and above your provincial medical care program

23. Travel Benefit Overview Worldwide Travel –Maximum of $2 million dollars per covered participant per incident outside the province of residence –Payment on large claims can be made directly to the provider if assigned by the employee –Provides medical as well as assistance benefits

24. Eligible Items Medical Hospital Accommodation Physicians and Surgeons Wheelchairs, Crutches, Canes Nurse Ambulance Diagnostic Services Paramedical Services Drugs Dental Services – Accidental

25. Eligible Items Other Coming Home Vehicle Return Return of Deceased Meals and Accommodations Transportation to Visit the Covered Person Emergency and Payment Assistance

26. Making a Claim Toll free Numbers Toll free assistance numbers while on vacation –USA and Canada 1-800-563-4444 –Anywhere else in the world 1-506-854-2222 (call collect)

27. Obtaining Information Information regarding your benefit program: –Medavie Blue Cross cardholder website details benefits and claims history –Contact the Medavie Blue Cross toll free number to speak with a Customer Service Representative at 1-800-667-4511 –MUN website contains Group Benefits Guide for Retirees

28. Contact Us If you require any further information please feel free to contact us. Susan King Tel: 758-3050 Fax: 726-4719 Email: susan.king@medavie.bluecross.casusan.king@medavie.bluecross.ca Jerry Mercer Tel: 758-2999 Cell: 682-4676 Fax: 726-4719 Email: jerry.mercer@medavie.bluecross.cajerry.mercer@medavie.bluecross.ca

29. Questions Thank You!