1. Health Plan Design – Key Considerations  Carrier Selection BCBSNC, UHC, Coventry, Aetna, Cigna  Plan Design Traditional Plan, Tiered Benefit Plan, HSA Qualified Plan PPO Platform, POS Platform, HMO Platform  Benefits Deductibles, Coinsurance Limits, Copays Out of Network Coverage  Outside of the Box Ideas Dual Options HRA/Deductible Reimbursement Plan Defined Contribution Plan

2. Benchmarking– Key Considerations  Understand the Market Company Size Company Location Company Industry  Don’t Make Plan Design Decisions in a Vacuum What do your employees want? What do your employees need? Survey employees to find out what is important to them  Recruiting and Retention Are you using benefits to recruit new talent? Are employees leaving your company because of your benefits? Understand where your getting your employees from and where you may lose them to

3. Other Employer-Sponsored Benefits– Key Considerations  Dental Coverage  Life Insurance You can provide a life plan with a $50,000 benefit with no tax implication to your employees You can class-out segments of your population to receive different benefits  Short and Long Term Disability Consider using the same carrier for both lines of coverage to coordinate benefits  Vision Coverage

4. Other Considerations  Health Care Reform Where does your plan fit into this? What are the effects on your plan?  Section 125 Plan Allows you to deduct premiums on a pre-tax basis  Communication to Employees Delivery method of plan information to current staff and new hires  Benefit Administration Who will administer the plan? (Changes, new hires, terminations, etc.)  Voluntary Offerings Supplemental Life Dependent Life Critical Illness Hospital Policy Cancer Policy

Questions?