2019 HEALTH INSURANCE OPEN ENROLLMENT PRESENTED BY: Jason Cleary Benefits Counselor at Texas Member Benefits

AGENDA What Is The Texas Bar Private Insurance Exchange? Regulatory Updates Health - Individual Marketplace Health - Employer Group NEW Members Health Plan (MHP) Questions & Answers 2

WHAT IS THE TEXAS BAR PRIVATE INSURANCE EXCHANGE? Easy to navigate web-based exchange that allows members to compare and purchase insurance products A program to assist members with healthcare reform as well as meet the increasing demand for assistance with Health Insurance decisions

REGULATORY UPDATES End of the Individual Mandate Short-Term, Limited Duration Insurance (STLDI) Association Health Plans (AHPs) Health Reimbursement Arrangements (HRAs)

WHO WE HELP Individuals Employer Groups Members Dependents (Spouses/Domestic Partners/Children) Employees of Members Students Association Staff Small Employers Mid-Market Employers Large Employers

For January 1 effective date SCHEDULED 2019 INDIVIDUAL OE DATES November 1, 2018 through December 15, 2018 For January 1 effective date If you need coverage before next Open Enrollment, check with the private exchange to see if you qualify for a special enrollment period. 6

INDIVIDUAL MARKET DALLAS COUNTIES 7

COMPLIMENTARY BENEFITS FOR MEMBERS TELADOC Receive a subscription to TELADOC at no cost, when you purchase any product through the Texas Bar Private Insurance Exchange. ACCIDENTAL DEATH (AD&D) Eligible Members may receive $10,000 of Basic AD&D Insurance at no cost. Supplemental Health Receive Basic Supplemental Health Insurance at no additional cost when you purchase any product through the Texas Bar Private Insurance Exchange and receive an additional $10,000 of Basic AD&D Insurance. Payroll Services Standard payroll features in one simple package. 8 4 8 8

EMPLOYER GROUP HEALTH EXCHANGE Fully-Insured Options Level-Funded Plans Multiple Employer Association Plan

EMPLOYER GROUP OPTIONS

TOP 3 CREATIVE STRATEGIES LEVEL FUNDING SUPPLEMENTAL HOSPITAL GAP INSURANCE HEALTH SAVINGS ACCOUNT (HSA)

The One Question We Always Get… “ Can’t we just create one plan for Texas Law Firms to reduce cost? $ “ On this Slide Go Over, how we have received this question for years and how we have been listening… Why isn’t there a plan for all Members to lower cost?

MEMBERS A health benefits trust for Texas law firms designed to help them and their employees manage the increasing cost of health care benefits.

How MHP Benefits You ✓ ✓ ✓ ✓ ✓ Member Owned Earnings go back into the plan Private Exchange Model Flexibility to Choose up to 13 plan options with Defined Contribution Large National PPO Network Cigna’s PPO Network Ease of Administration Employee Enrollment Portals and HR Payroll Reporting Quality Benefits Comprehensive Health Coverage, Preventative Benefits Covered at 100%, Copay and HSA Compatible options available. ✓ ✓ ✓ ✓ Go Over Each bullet in depth as noted below. Member Owned: Earnings go back into the plan to offset future renewals and create additional value adds or potential revenues. Private Exchange Model: Flexibility to Choose up to 13 plan options with Defined Contribution Large National PPO Network Currently uses Cigna’s PPO Network. Ease of Administration Employer HR tools and employee enrollment platform available for easy administration with dedicated staff and enrollment support. Quality Benefits Full major medical coverage, preventative benefits covered at 100%, Copay and HSA compatible options available.

+ More Than Just Medical Full Portfolio of ancillary products that, in many cases, allow rate and participation concessions.  Aside from the health we are able to implement all ancillary products under 1 consolidated bill. Also, go over how these products have participation and rating concessions only for Members.

LEARN MORE www.memberbenefits.com/texasbar

? ? ? ? ? QUESTIONS & ANSWERS