High Plains Educational Cooperative 10/1/2015 Open Enrollment August 5 th & 6 th, 2015

Open Enrollment Agenda 1.Medical Plan Overview 2.Claims Administrator 3.Preferred Provider Network 4.Dental Plan Overview 5.Health Reimbursement Account 6.Medical ID Cards 7.Group Life/AD&D Overview 8.Open Enrollment & Next Steps Note: This presentation and information will be posted to the HPEC website for future reference.

What’s Happening on 10/1/2015?

Important Contact Numbers

Claims Process The claims submission process is much easier for you when you use network providers because they submit the claim on your behalf. Find a Network Provider Access Search for a Network Provider Provider Submits Claim(s) Network provider sends claim(s) directly to EBMS EBMS processes claim based on plan specifications EBMS notifies member and provider of claim(s) outcome Care Management Services Inpatient Hospital Mental/Nervous admissions Cancer Treatment Surgeries Out patient injectable drugs

10/2015 Medical Plan Overview In-Network ShownMedical Plan Plan Deductible $800 per person $1,200 family maximum Out of Pocket Maximum (Includes Deductible & Copays ) $1,600 per person $2,800 family maximum Preventive Care (Well Care) $0 – no cost to participant Office Visits (Per person) 30% coinsurance Prescriptions (mail order 90 day supply 3x) Navitus Formulary Applies Tier 1 Generic – $10 copay Tier 2 Preferred Brand – 40% copay Tier 3 Non-Preferred Brand – 50% copay Diagnostic Tests & Imaging (CT/PET/MRI)30% coinsurance Out Patient Surgery30% coinsurance In Patient Surgery30% coinsurance Emergency Room30% coinsurance All other covered care30% coinsurance

Deductible & Out of Pocket Maximum Reminder

Medical Plan – Your monthly cost:

10/2015 Dental Plan Overview In-Network ShownDental Plan Plan Deductible (Does not apply to Class 1 Dental Expenses) $25 per individual $75 family maximum Calendar Year Maximum$1,500 per person Class 1 – Preventive Services100% Class 2 – Basic Services85% after deductible Class 3 – Major Services50% after deductible OrthodontiaNot Covered by Plan - Refer to Dental Plan Document for limitation and benefit frequency.

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HRA Termination  Effective 10/1/15 the HPEC Health Reimbursement Account (HRA) will be terminated.  All eligible claims incurred prior to 10/1/15 will be eligible for reimbursement through 12/31/15. Any claims after this date will be denied and not paid by the HRA plan.  Submit all claims to EBMS for processing and payment.

ID Cards  Effective 10/1/2015 – ALL participants will receive a new EBMS Medical/Dental ID card.  Please discard your prior EBMS ID card as it will NOT contain the appropriate information to process medical and prescription claims after 10/1/15.

Life/AD&D Overview Eligible: Board Officers and All Full-Time Certified Teachers  Personal Life Insurance: $10,000  AD&D Insurance: $10,000  Personal Life and AD&D Insurance will be reduced as follows:  At age 65, benefits will reduce by 35% of the original amount;  At age 70, benefits will reduce an additional 25% of the original amount;  At age 75, benefits will reduce an additional 15% of the original amount.  Benefits will terminate when you retire.  REMINDER: Update your Beneficiary if you have experienced any life changes.

Open Enrollment Checklist IMPORTANT NOTICE: Your election to participate in the Company’s Medical & Dental plan, is made for the ENTIRE PLAN YEAR & will remain in effect from 10/1/15 to 9/30/16. Benefit Plan election changes may be made mid-Plan Year and at other times during the year ONLY if the changes: 1) Affect eligibility to participate in these plans, 2) Are allowed under IRS Code, AND 3) Because of, and consistent with, a qualifying event (i.e. marital status, number of dependents, employment status, dependent ceasing to satisfy eligibility requirements, entitlement to Medicare, etc.). Change-in-status requests must be submitted to Chrissie Mangels, in writing, within 31 days of the change-in- status event.

Open Enrollment Checklist