Open Enrollment Overview 2014 Plan Year

Topics eCHRIS Self Service Open Enrollment Clinics Legal Insurance Optional Life Insurance Dental Coverage Medical Plans Health Risk Assessment Flexrap Voluntary Benefits

Information Open Enrollment Guides –in your mailbox by Oct. 1 employee.phoenix.gov/hr/benefits –updated info by October 18 Open Enrollment Clinics –during Open Enrollment

Employee Information Meetings

OPEN ENROLLMENT October 21 to November 15 at 5:00 p.m.

eCHRIS Self Service Employees use eCHRIS Self Service to make Open Enrollment Changes If you do nothing during Open Enrollment, your current enrollments continue through 2014 except Flexrap

eCHRIS Self Service Make changes to your coverage during Open Enrollment as often as you wish. Changes in eCHRIS at 5:00 p.m. on Friday, November 15 th take effect on January 1, 2014.

Documentation Documentation is required when adding a spouse or child to coverage –Marriage license –Birth certificate –Legal adoption paperwork –Legal guardianship paperwork Employees must repay the City for any claims incurred by ineligible dependents.

Open Enrollment Clinics WE BRING OPEN ENROLLMENT TO YOU! Personalized assistance with –Making Open Enrollment changes –Completing a Health Risk Assessment Answers to your questions –Vendor representative and City Benefits Office staff are there to answer your questions Free biometric screenings with appointment Free flu shots Savers Choice Health Plan Information Meetings at some locations

MondayTuesdayWednesdayThursdayFriday October st Ave. Treatment Plant 6 am to 1 pm Glenrosa Service Center 5:30 am to 1:30 pm Police Headquarters 6 am to 3 pm Nationwide Rep City Hall Assembly Rooms 8 am to 4 pm Nationwide Rep Legal Insurance Rep November Desert West Community Center 6501 W. Virginia 8 am to 3 pm Sky Harbor Airport 8 am to 4 pm Legal Insurance Rep Okemah Service Center 5:30 am to 1:30 pm Union Hills Service Center 5:30 am to 1:30 pm Fire Administration 9 am to 4 pm Nationwide Rep Legal Insurance Rep Savers Choice Health Plan Info Meetings City Hall Assembly Rooms 8 am to 4 pm Nationwide Rep Legal Insurance Rep Savers Choice Health Plan Info Meetings Personnel Building 1 st Floor Test Room 8 am to 4 pm Legal Insurance Rep Salt River Service Center 3045 S. 22 nd Avenue 5:30 am to 1:30 pm Pecos Community Center S. 48 th Street 8 am to 3 pm City Hall Assembly Rooms 8 am to 4 pm Nationwide Rep Legal Insurance Rep Savers Choice Health Plan Info Meetings V E T E R A N S D A Y Washington Activity Center 2240 W. Citrus 8 am to 3 pm Union Hills Service Center 138 E. Union Hills 5:30 am to 1:30 pm Deer Valley Senior Center 2001 W. Wahalla 8 am to 3 pm Personnel Building 1 st Floor Test Room 8 am to 5 pm Legal Insurance Rep Savers Choice Health Plan Info Meetings OPEN ENROLLMENT CLOSES AT 5 PM

ARAG Legal Insurance $ per month gives you free access to a national network of attorneys. For the employee and household members. Legal services in person, by phone, and online. Online information and forms by State. Learn more at Access Code: 16922PHXwww.AragLegalCenter.com Speak with an ARAG representative at some Open Enrollment Clinics.

Optional Life Insurance Voluntary group term life coverage, 100% paid by the employee. Available for employee, spouse, child(ren). Comprehensive coverage that can provide a lump sum amount for certain diseases or when a condition is terminal. Is not automatic - subject to underwriting approval.

Evidence of Insurability ALWAYS REQUIRED for spouse coverage ALWAYS REQUIRED when an employees coverage exceeds $150,000. ALWAYS REQUIRED when the employee requests a coverage increase of more than $20,000 It is the employees responsibility to complete an Evidence of Insurability Form and mail it to Cigna postmarked no later than November 22, Form and rates are in your Open Enrollment Guide.

Dental Premiums 2014 Plan Choices Coverage Paid by City Paycheck Deduction 2013 vs Change First paycheck Dental HMO E MPLOYEE $24.41$00 F AMILY $50.45$ cents Dental PPO E MPLOYEE $50.38$00 F AMILY $104.15$34.720

HEALTH RISK ASSESSMENT (HRA) Sd f

Save When You Complete an HRA In 2014 save $25 per month ($12.50 per paycheck) when you complete a health risk assessment. Thats $300 in savings per year! Complete your HRA by November 15 th to be sure you get credit January 1, The current premium differential ends on December 31, 2013.

7 Pieces of Biometric Data Height Weight Waist circumference Total cholesterol HDL Blood glucose Blood pressure Find your Health Risk Assessment when you sign in to cigna.com or azblue.com Required for the Health Risk Assessment

Sd f Getting Your Biometric Data 1. From your doctor Make an appointment, or use 2013 results 2.Have a free biometric screening at any Open Enrollment Clinic. Make an appointment! – –(480) –Toll free (866)

MEDICAL

Medical Plans 2014 Cigna or BCBS HMO BCBS PPO BCBS Savers Choice Plan Medical premiums increase 2.2%

Medical Premiums 2014 Plan Choices Coverage Paid by City Paycheck Deduction Paycheck Deduction with HRA First two paychecks of each month Savers Choice Health Plan E MPLOYEE $155.58$38.89$26.39 F AMILY $493.86$123.47$ HMO E MPLOYEE $186.24$46.56$34.06 F AMILY $591.20$147.80$ PPO E MPLOYEE $200.18$50.05$37.55 F AMILY $635.48$158.87$146.37

Medical HMO Cigna HMO or BlueCross/BlueShield HMO Arizona network No out-of-network coverage Co-pays only Emergency coverage anywhere If a family member needs out-of-state coverage, contact the Benefits Office for options.

Medical HMO HMO Co-Pay Schedule Jan. 1, 2013 Lab and x-rays$0 Preventive Care$0 Ambulance$0 Primary Care Physician Office Visit$25 Specialist Office Visit$40 Chiropractor$40 Vision Exam (optometrist)$25 Behavioral Health$25 Urgent Care$50 Emergency Room$150 Outpatient Surgery$100 Inpatient Hospitalization$150/day, max. $450 PHARMACY Generic$10 Preferred Name Brand$25 Non-Preferred Name Brand$40

Beginning January 1, 2014 Mayo Clinic Scottsdale is now included in ALL medical provider networks.

Medical Plans: PPO The PPO national provider network includes doctors and hospitals in every state including Mayo Clinic in Scottsdale – new! Mayo Clinic in Minnesota The Cleveland Clinic Cedars Sinai Medical Center Scripps Memorial Hospital Massachusetts General Johns Hopkins

Medical PPO In-Network $250 annual deductible per person –max 3 per family 10% Coinsurance $750 annual out-of-pocket maximum –max 3 per family Co-pays only for –Pharmacy –Vision exam –Pre-natal office visits All costs are at contracted rates

Medical PPO Out-of-Network $500 Deductible –Maximum $1,500 per family 30% Coinsurance –30% plus the difference between the allowed amount and the billed amount Annual Out-of-Pocket Maximum –$1,500 per person –Maximum $4,500 per family Preventive and pharmacy are not covered out- of-network

Savers Choice Health Plan with Health Savings Account (HSA)

Savers Choice Health Plan A medical plan with lower premiums and higher deductible –$1,500 Single Coverage –$3,000 Family Coverage $500 City contribution to a Health Savings Account (HSA) in January Contribute on a pre-tax basis to your HSA

Sd f COMPONENTS Financial Custodian HealthEquity Savers Choice Health Plan Low-Premium, Higher-Deductible Health Coverage Health Savings Account THE ACCOUNT USED TO FUND THE DEDUCTIBLE

Health Savings Account (HSA) Offers a Triple Tax Advantage 1.Deposits: Money is deposited on a pre- tax basis from your paychecks 2.Earnings: Investment income is not taxed 3.Withdrawals: Funds may be used for qualified medical expenses without tax liability

Health Savings Account (HSA) Money in your HSA rolls forward from year to year. You may invest your HSA funds in excess of $2,000 in 13 choices from Charles Schwab. Pay out-of-pocket medical, pharmacy, dental and vision expenses. Save for the future! Use the HSA when you retire to pay your premiums. The City contributes $500 in January.

Sd f Contribute to Your HSA For 2013, the maximum tax-free contributions the IRS allows you to make to your HSA are: – Single-coverage: $3,300 – Family-coverage: $6,550 – Catch-up contribution, age 55 or older: $1,000 – The $500 City contribution counts toward these maximums. Increase, decrease, or stop your contributions using eCHRIS Self-Service.

Important Points to Know The full cost for prescriptions counts toward the deductible. –When the deductible is fulfilled, pharmacy is co-pay based Family coverage: The medical and pharmacy expenses incurred by everyone enrolled go toward the deductible (at contracted rates) until $3,000 is reached.

Flexible Spending Account (FSA) –Health Care –Daycare Administered according to IRS Code Saves you 25% or more on out-of-pocket medical, dental and vision expense with a service date during the calendar year

Healthcare Co-pays Deductibles Coinsurance Out-of-pocket expense for glasses and contacts Dental implants Laser eye surgery Orthotics Over-the-counter items Daycare Daycare Center Before and After School Preschool Summer Day Camps Babysitter Nursing or custodial care for an elderly or disabled dependent Daycare registration fees Flexrap Eligible Expense Examples

Flexrap Annual Contribution Limits Health Care Annual Contribution Limit is $2,500 Daycare Annual Contribution Limit is $5,000

Flexrap Reminders Flexrap enrollment does not carry over year to year –If you want to be enrolled in 2014 you must enroll during Open Enrollment There is a use or lose it provision per IRS –If you dont spend all the money youve contributed, it does not roll over.

Flexrap with a Health Savings Account The IRS does not allow you to use Flexrap for medical or pharmacy expenses while you are enrolled in an HSA. –You can use Flexrap on a Limited Purpose basis for dental and vision expenses only.

Humana Voluntary Benefits Critical Illness Hospitalization/Accident For employees and spouses 100% paid by the employee Enroll online through Humana

Specific Questions? Online –employee.phoenix.gov/hr/benefits (602) Open Enrollment Clinics