1. Open Enrollment for 2016 Fall 2015

2. Agenda Medical (Maize, Blue, HRA’s, HSA’s) Flex (FSA, DCSA) Dental Vision Life, AD&D, Long Term Disability Teladoc benefitsCONNECT Website

3. Plans Available Maize – Traditional PPO plan design Blue – High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

4. Plan Design Features--Maize Plan HighlightsIn-networkOut-of-network Deductible$500 (s) or $1,000 (f)$1,000 (s) or $2,000 (f) OP Maximum$2,000 (s) or $4,000 (f)$4,000 (s) or $8,000 (f) OP Maximum for Rx$500 (s) or $2,000 (f)Combine with in-network Preventive Care$0Deductible, then 40% Office Visit(s)$35Deductible, then 40% Convenience Care$10 (3 free w/ Virtuwell)Deductible, then 40% Emergency Care$75Deductible, then 40%

5. Plan Design Features--Blue Plan HighlightsIn-networkOut-of-network Deductible$1,300 (s) or $2,600 (f)$2,000 (s) or $4,000 (f) OP Maximum$2,250 (s) or $3,500 (f)$4,000 (s) or $8,000 (f) Preventive Care$025% after deductible Office Visit(s)Deductible, then 20%Deductible, then 25% Convenience CareDeductible, then 20%Deductible, then 25% Emergency CareDeductible, then 20%Deductible, then 25%

6. Prescription Costs-Blue Plan You pay the actual cost of the medicine until deductible is reached. Once deductible is reached, then pay 20% of cost until out of pocket maximum (OOPM) is reached. Once OOPM reached, prescription covered 100% Same formulary 6

7. Prescription Costs-Blue Plan Alcohol DependencyAnticoagulantAntiplatelet Antipsychotic & DepressionAsthma & COPDBreast Cancer CholesterolWeight LossDiabetes HypertensionPrenatal VitaminsSmoking cessation 7 Empower HSA RxPlus Plan- discount prices for certain preventative prescriptions. List of discounted medicines on HR website

8. Cost of Plans 2016 Medical Rates for Employees Health InsuranceMonthly Premium Bi-Weekly Premium HSA (provided per paycheck) Maize Employee$91.00$42.00 Employee +1$189.50$87.46 Family$288.00$132.92 Blue Employee$98.00$45.23$1,000.00 Employee +1$202.00$93.23$2,000.00 Family$291.00$134.31$2,000.00 8

9. HRA balances HRAs (Health Reimbursement accounts) were associated with Options Blue Plan 2005-2014 There was no funding to HRAs in 2015, and the plan will close December 31, 2015 The IRS does not allow for HRA funds to be converted to HSA funds 9

10. How HSA plans work 10 You are also able to add additional dollars to your HSA account $1,000 deposited into your HSA- ($83.33/month) You spend $400 on medical expenses during the year $600 is left at the end of the year Next year $1,000 is added to your HSA account for a total of $1,600

11. HSA Dollar Limits Total Amounts Allowed for HSA Plans in 2016: Single only plan: $3350 EE+1 & Family plan: $6750 College contributions must be counted toward this maximum 11

12. HSA’s and Federal Guidelines If you or a spouse currently have Medicare Part A If you have children on your plan that you can no longer claim as dependents If you have a domestic partner on the plan No cross over option for HSA payment Funds are only available if in the account Age 55 Catch Up for HSAs ($1,000 in 2016) 12

13. Flexible Spending Account (FSA) Info Dependent Care Account – You must elect your annual amount; funds are available as they are contributed through payroll Flexible Spending Account – Not available for Blue plan participants – You must elect your annual amount; funds are available to you January 1 There will be no Limited Scope FSA in 2016 13

14. Dental 14 ValueComprehensive Diagnostic & Preventive Services100% Basic Services80% Endodontics80% Periodontics80% Oral Surgery80% Major Restorative-50% Prosthetic Repairs and Adjustments-80% Prosthetics-50% Orthodontics-50% up to $1,500 Deductible$50/$100 Calendar Year Plan Maximum/person$750$1,500

15. Dental Premiums Dental InsuranceMonthly PremiumBi-Weekly Premium Value Employee$33.40$15.42 Employee + Spouse$67.05$30.95 Employee + Child(ren)$63.10$29.12 Family$108.45$50.05 Comprehensive Premier Employee$42.40$19.57 Employee + Spouse$85.20$39.32 Employee + Child(ren)$80.10$36.97 Family$137.65$63.53 15

16. Vision VSP No changes 16 Total Annual Premium Monthly Premium Bi-Weekly Premium Employee$95.88$7.99$3.69 Employee + Spouse$153.36$12.78$5.90 Employee + Child(ren)$156.60$13.05$6.02 Family$252.36$21.03$9.71

17. Telemedicine Teladoc plan will end 12/31/15 VirtuWell is offered by HealthPartners and provides diagnosis and prescriptions remotely Cost based on plan Other telemedicine services also covered 17

18. Other Benefits No changes to Life Insurance or Long Term Disability Accidental Death and Dismemberment (AD&D) now includes a COBRA benefit at no additional cost To enroll or make changes you will need to submit evidence of insurability form to HR 18

19. Employee Assistance Program- EAP HealthPartners EAP – Up to six face to face visits available for counseling needs – Smoother transitions from EAP to continuing counseling under HealthPartners 19

20. Open Enrollment 2016 Open Enrollment will be Wednesday, October 28 through Tuesday, November 24. If you do not want to make changes and are not participating in an FSA, DCA, or HSA you do not need to log on. FSA, DCA, and HSA elections must be made each year. 20

21. 21 2016 Open Enrollment Website 21

22. Supplemental Retirement TIAA-CREF elections are not made in benefitsCONNECT system. Forms available on HR website. 22 2016 Limits 403(b) deferrals$18,000 Catch-up contribution (50+)$6,000 Additional deferral possibility$3,000

23. Thank you! Questions? Contact: Lillian x7142, lhollander@carleton.edu Andrea x5989, azunkel@carleton.edu Kerstin x4068, kcardena@carleton.edu 23