Welcome Employee Benefits Committee November 5, 2013

All EBC meetings at BHS Lecture Hall 3:30 to 5:30 SBC Nov 12 SBC Jan 14 SBC Jan 28 SBC March 11 SBC May 15 EBC Feb 6 EBC March 4 EBC March 18 EBC April 1 EBC May 1

September 5 October 3 October 15 October 29 SBC Meetings to Date September 5 October 3 October 15 October 29

EBC.CUSD.COM EBC Website All documents provided at meetings will be posted to our website. Accessible by any employee/retiree/dependent from any computer with Internet access EBC.CUSD.COM

Major Items for Review in 2013-14 Performance Review – Caremark Performance Review – VSP Vision Performance Review – Delta Dental Review benefits for bariatric surgery Review Blue Shield additional services Local providers Other items

Expenses for 2012-13 – Lower than Previous Year

Medical/Rx Expenses for First 4 Months

Historical Number of Members Covered by CUSD Health Plan

History of Retiree Premiums

Modifications to Rx Plan

Changes in Utilization

Trends that are resulting in Savings

Caremark Update –Generic Step Therapy Original Date of Implementation – September 1 New Implementation Date – November 1 SBC met with Caremark Managers October 29

Brokerage Services – New Stop Loss Insurance Last year SBC reviewed former provider and interviewed Gallagher Benefit Services Based on an analysis of multiple criteria, SBC approved a change to Gallagher Benefit Services Potential for significant savings plus a greater benefit by the inclusion of pharmacy under our stop loss coverage….. Savings of at least $500,000 over last year

New Third Party Administrator Health Now http://www.hnas.com/ Questions

Approximately $700,000 for Clovis Unified Affordable Care Act – Impact on Clovis Health Care Plan Transitional Reinsurance Fee Final Regulation March 7, 2013 The $63 per year/per covered life transitional reinsurance fee (TRF) to be paid to the federal government by insured and self-insured group health plans beginning in 2014 has been confirmed in a final regulation from the Department of Health and Human Services (HHS). When drafting the Patient Protection and Affordable Care Act (PPACA), Congress tapped employers and insurers to bear the cost of a temporary reinsurance fund that will seek to stabilize premiums for coverage in the reformed individual health insurance market (inside and outside the exchanges) for a three-year period from 2014 through 2016. Approximately $700,000 for Clovis Unified

ACA/California Covered – Costs of the Plans Silver Plan at Various Income Levels and Clovis Unified

ACA/California Covered – All Plans w/ Income > $45k and Clovis Unified

Affordable Care Act – Impact on Education The definitions of the 30 hour work week used by the ACA, may qualify additional employees employed by educational institutions for full health benefits

Affordable Care Act – Additional Questions

EBC Action Items Kelly Avants will provide talking points Provide updates to your colleagues Work with your supervisor to determine a plan for dispensing information to your site/department Kelly Avants will provide talking points Next Meeting: Thursday, February 6 at BHS Lecture Hall