6 Things To Remember For Open Enrollment 2018

What is Open Enrollment? 1 What is Open Enrollment? Time to review coverage options and make changes that are best for you, such as: Change medical plans Enroll in a new plan Add a dependent to your plan Drop a dependent from your plan Re-enroll in the FSA

What dates do I need to remember? 2 What dates do I need to remember? 10/2/17 – 10/20/17 October 2nd through October 20th Open Enrollment Period 10/20/17 October 20, 2017 Deadline for making changes 1/1/18 January 1, 2018 Your benefit changes take effect Don’t forget! Add these date reminders to your calendar.

2017 2018 If you miss the deadline this year, you will have to wait until OUR open enrollment for the 2019 plan year to make changes — unless you have a qualifying life event.

3 What plans do we offer?

All health plans include free in-network preventive care Medical Plan Overview EPO Plans Anthem Blue Cross Core and Buy-Up Features of an EPO: Low or No deductible Low office visit copays Gives you access to the EPO network of health care providers Does not require you to select a PCP Allows you access to many types of services without receiving a referral All services must be in network Access to LiveHealth Online and other programs to help you maintain your health All health plans include free in-network preventive care Exclusive network of providers Does not require a PCP or referrals Lower premiums EPO Don’t Forget! Deductibles and copays can be reimbursed via the City’s Flexible Spending Account through BCC

Medical Plans Overview Anthem Core Anthem Buy-Up Calendar year deductible Individual Family $100 (per individual) $300 (per family) None None Your maximum expense $1,600 (per individual) $3,300 (per family) $1,000 (per individual) $2,000 (per family) Preventive care Plan pays 100% Office visits $20 copay $10 copay Inpatient Hospitalization $100/Day (up to 3 days) No Charge Outpatient Surgery $100/ Admit Prescription drugs (Retail/Mail Order) Generic Preferred brand Supply limit $7 copay/$14 copay $25 copay/$60 copay 30 days/90 days $10 copay/$20 copay $20 copay/$50 copay 30 days/90 days Benefits are In-Network Only

Dental Plans Overview Coverage Provided by Delta Dental The Perks Two options to choose from: Delta Dental of CA PPO Core Plan Delta Dental of CA PPO Buy-Up Plan Delta Dental PPO allows the flexibility to choose from an in-network or out-of-network provider Covers a percentage of basic and major expenses Greater discounts are applied when using a contracted in-network Delta Dental provider The Perks Pre-Treatment Estimate - Determine your cost ahead of time to make informed decisions. Delta Dental Customer Service - Searching for Delta Dental provider is easy and convenient - Log in to deltadentalins.com for a complete list of providers in your area - Call (800) 765-6003 to speak with a Member Services representative Monday through Friday from 5:00 am to 5:00 pm (PST)

Save money by using in-network providers. Dental Plans Overview Coverage provided by Delta Dental Delta Dental PPO Core PPO Premier Non-PPO Diagnostic and Preventive 100% Basic Crowns & Cast Restorations Prosthodontics Adult & Child Orthodontics Deductible Calendar Year Max N/A $25/$75 Exempt from Deductible Yes Maximums Per Patient Calendar Year $1,000 Orthodontics Lifetime Maximum Delta Dental PPO Buy-Up PPO Premier Non-PPO 100% N/A $25/$75 Yes $1,500 Save money by using in-network providers.

Vision Service Plan (VSP) You’ll love being a VSP member The Perks WellVision Exam® - the most thorough eye exam designed to detect eye and health conditions Exclusive Member Extras - Special savings and offers, like rebates - $20 to spend on featured frame brands like bebe®, ck Calvin Klein, Lacoste Michael Kors, Nine West, Cole Haan and more Eyeconic® - Easy to use online optical store to shop for the latest designer eyewear - Shop online at VSP’s Eyeconic.com VSP Customer Service - Searching for VSP provider is easy and convenient - Log in to VSP.com for a complete list of VSP providers in your area - Call (800) 877-7195 to speak with a VSP Member Services representative Monday through Friday from 5:00 am to 8:00 pm (PST) Saturday from 7:00 am to 8:00 pm (PST) Sunday from 7:00 am to 7:00 pm (PST)

Save money by using in-network providers. Vision Plan Overview Coverage provided by Vision Service Plan (VSP) VSP Core Plan Copay Plan Pays up to: Exam & Prescription Glasses $25 $45 Contact Lenses 15% off $105 Lenses $30-$50 Frames $120 allowance $70 Frequency of Services Eye Exam 12 Months 24 Months VSP Buy-Up Plan Copay Plan Pays up to: $25 $45 15% off $105 Included $30-$50 $120 allowance $70 12 Months Save money by using in-network providers.

Flexible Spending Accounts Healthcare Spending Account Dependent Care Spending Account Set aside up to $2,500 before taxes for qualified healthcare expenses Expenses must be incurred between 01/01/18 and 12/31/18 and submitted for reimbursement no later than 03/31/19 Access entire amount on 1st day of plan year Use Debit Card for eligible expenses Set aside up to $5,000 per calendar year before taxes for dependent care expenses Access money only once it’s deducted from your paycheck Eligible expenses include daycare/in-home care for children under 13 years and incapacitated tax-dependent adults ! Note: Flexible Spending Accounts are funded 100% by the employee. City of Merced does not contribute to these accounts. Claims due by March 31st, 2018. Use it or lose it!

Group Term Life Insurance Coverage provided by Voya Basic Life 1 x covered annual earnings up to a maximum of $50,000 Call Voya at (800) 755-7736 for more information Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

Voluntary Life Insurance Coverage provided by Voya Voluntary Life Employee Buy-Up Life Amount 5 x covered annual earnings up to a maximum of $100,000 Election Options $10,000; $20,000; $40,000; $50,000; $60,000; $80,000;$100,000 Guarantee Issue Amount $100,000 Employees over Age 70 Maximum benefit is $50,000 Spouse Up to $50,000 $5,000; $10,000; $20,000; $30,000; $40,000; $50,000 $50,000 Children Birth to 14 Days $0 14 Days to 6 Months $250 (14 Days to 6 Months) 6 Months to 19 Years (to 25 yrs. if FT Student) $10,000 Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

Income protection Disability (White Collar Employees) Coverage provided by Voya Disability (White Collar Employees) Short Term Disability Core Benefit Buy-Up Option Weekly Benefit Amount Plan pays 60% of covered monthly earnings Plan pays 66.67% of covered monthly earnings Maximum Weekly Benefit $600/week $1,650/week Benefits Waiting Period: 30 Days of Disability Maximum Payment Period 22 Weeks Long Term Disability Monthly Benefit Amount Maximum Monthly Benefit $2,500/month $7,000/month 180 Days of Disability To age 65 or SSNRA Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

Income protection Disability (All other Active Employees) Coverage provided by Voya Disability (All other Active Employees) Short Term Disability Core Benefit Buy-Up Option Weekly Benefit Amount Plan pays 60% of covered monthly earnings Plan pays 66.67% of covered monthly earnings Maximum Weekly Benefit $600/week $1,650/week Benefits Waiting Period: 60 Days of Disability Maximum Payment Period 18 Weeks Long Term Disability Monthly Benefit Amount Maximum Monthly Benefit $2,500/month $7,000/month 180 Days of Disability To age 65 or SSNRA Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

What will the plans cost this year? 4 What will the plans cost this year?

2018 Dental, Vision, Disability & Life Allowances 2018 Costs 2018 Biweekly Premiums   MEDICAL DENTAL VISION LIFE** STD/LTD** Core Buy-Up EE Only $254.08 $274.38 $20.35 $26.08 $4.90 $8.82 $2.48 $8.76 EE+1 $520.38 $560.54 $35.35 $45.32 EE+2 $765.00 $824.54 $57.37 $73.52 2018 Medical Allowances   AFSCME MACE FD MPOA SGTS MC/MS MM/MX EE Only $229.50 $230.84 $217.79 $228.16 EE +1 $470.07 $472.71 $445.69 $467.10 EE +2 $690.93 $694.89 $655.22 $686.60 2018 Dental, Vision, Disability & Life Allowances $33.73 $33.28 $32.37 $47.50 $46.75 $46.02 $67.71 $66.54 $66.08

5 What do I need to do? 1 2 3 4 5 Log on to BenXcel (BCC) Get familiar with the City’s self-service tool Review your current plan choices Decide if you need to make a change this year Review your dependent information If adding a dependent, provide a birth or marriage certificate Make sure your dependent information is correct Confirm date of birth and social security numbers Attend one of the Q&A sessions Refer to our email communications for more details 2 3 4 5

Where can I find out more? 6 Where can I find out more?

Need more info? Ready to Submit 2018 Changes? Click Here to view your: Employee Benefits Overview Plan documents Ready to Submit 2018 Changes? Website: https://www.benxcel.com/ctymer.htm

Don’t forget! The last day to make changes is October 20, 2017